Credit Cards (US)

TJX Rewards® Platinum Mastercard® full review: 5% back!

Do you need a credit card with rewards and Mastercard perks? If so, read our TJX Rewards® Platinum Mastercard® review to learn more!

TJX Rewards® Platinum Mastercard®: Get discounts!

See how this credit card can reward your shopping! Source: The Mister Finance.
See how this credit card can reward your shopping! Source: The Mister Finance.

Are you looking for a rewards credit card that delivers real value? Look no further. Reading our TJX Rewards® Platinum Mastercard® review is a perfect choice!

TJX Rewards® Platinum Mastercard®

How to apply for the TJX Rewards® Platinum?

Looking for a card with incredible Mastercard perks and much more? If so, learn how to apply for the TJX Rewards® Platinum Mastercard®!

Credit ScoreFair to good.
APR*31.49% variable APR for purchases;
29.99% variable APR for cash advances.
*Terms apply.
Annual FeeNo annual fee.
Fees*There are no foreign transaction fees;
Cash advance fee: $10 or 4% of the amount of each cash advance, whichever is greater;
Late payment fee: Up to $38.
*Terms apply.
Welcome bonus*You can have the chance to get 10% off on your first purchase if you apply (limited offer).
*Terms apply.
Rewards*5% back rewards when shopping their family of brands with your card;
Get exclusive shopping invites.
*Terms apply.

Also, this card offers 5% back on all your spending at T.J. Maxx affiliates. Plus, this powerful credit card offers plenty of perks for dedicated shoppers who want to take advantage of excellent reward options.

Moreover, you’ll be sure that your spending is secure with this reliable option.

Therefore, read on to discover our full review on what makes the TJX Rewards® Platinum Mastercard® an attractive rates-and-rewards offer worth considering!

How does the TJX Rewards® Platinum Mastercard®work?

You can only get this car di you already have a TJ Maxx account. Moreover, you’ll be able to earn 10% off your first purchase if you’re a new cardholder.

In addition, you’ll be able to get other discounts and exclusive shopping invitations! Moreover, you’ll get all these benefits and perks for no annual fee!

Also, there are multiple layers of security features and access to exclusive Mastercard experiences like zero liability protection and so much more!

TJX Rewards® Platinum Mastercard®benefits

Maximize your shopping experience at TJ Maxx. Source: The Mister Finance.
Maximize your shopping experience at TJ Maxx. Source: The Mister Finance.

As we mentioned, this credit card can have many incredible perks for those who love to shop at TJ Maxx! Moreover, you’ll be able to get good rewards and Mastercard perks!

However, as with any other credit card, this one also has some cons to it. Therefore, you can read the pros and cons list below to learn more and see if it’s the best credit card option for your needs!

Pros

  • You can get a good welcome bonus of 10% off your first purchase as a new cardholder;
  • You’ll get 5% rewards on eligible TJ Maxx store purchases;
  • There can be many Mastercard benefits.

Cons

  • The APR can be relatively high compared to other credit cards;
  • You can only get rewards and not exchange them for cash.

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How good does your credit score need to be?

The required minimum credit score of 640 is competitive with other retail cards’ minimal standards.

Moreover, you cannot prequalify for this credit card. Therefore, your credit score will have a negative impact during the application.

However, your score can start rising again if you maintain your best practices.

How to apply for the TJX Rewards® Platinum Mastercard®?

You can apply for this credit card online and with no hassle! However, you need to remember to create a TJ Maxx account before you apply.

Also, there is no prequalification, and this can harm your credit score.

TJX Rewards® Platinum Mastercard®

How to apply for the TJX Rewards® Platinum?

Looking for a card with incredible Mastercard perks and much more? If so, learn how to apply for the TJX Rewards® Platinum Mastercard®!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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