Benefits & Features

The TJX  credit card allows you to earn 5 points for every $1 at TJMaxx, Marshalls, HomeGoods, Sierra, and Homesense store locations in the United States and at participating e-commerce sites operated under these brands and earn 1 point per $1 anywhere else.


You can also use this card anywhere Mastercard is accepted. That gives you 1 point per dollar. Each time you earn 1,000 points, you can redeem them for a $10 rewards certificate that can be used with any of the brands associated with the card.

Tjx Rewards Credit Card Benefits And Features

The certificate is not redeemable for real money, which means this card is not a real cashback credit card. Your reward certificate also expires two years after issuance, so don’t use your points until you’re ready to use them. Otherwise, they could be wasted.

Instead of a traditional credit card bonus, the TJX Rewards credit card offers 10% off your first online or in-store purchase. This is completely different from other credit card bonuses. For instance, a few of the best cash-back credit cards will generally yield between $150 and $200 after you spend $500 to $1,000 on your card within three months of joining the card. Even if your first purchase in the store was R$500, you only get R$50 off.


Important: The fine print on this credit card describes certain restrictions on the 10% refund. If you order this card from a mobile phone, the discount can only be used for in-store purchases. However, if you are applying on a computer or tablet, you can take advantage of the discount online or in-store.

The TJX Rewards credit card has a variable APR of 27.74%. That’s nearly 10 percentage points above the average annual credit card rate. We do not recommend that anyone have a balance on this credit card because this APR incurs astronomical interest.