TJX Rewards Platinum Mastercard

Synchrony Mastercard Platinum Pending

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11

Benefits

2

Reward Categories

5x

Max Reward

30.7%

APR From
Basic Information
PENDING

Program ID: tjx-rewards-credit-card

Issuer: Synchrony

Card Name: TJX Rewards Platinum Mastercard

Card Type: Credit

Network: Mastercard

Card Tier: Platinum

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:38

Last Scraped: Feb 17, 2026 10:40

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with the Servicemembers Civil Relief Act (SCRA), offering reduced interest rates and waived fees for eligible active duty military personnel and their families.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
TJX Family Stores 5x Points Purchases made at T.J.Maxx, Marshalls, HomeGoods, Sierra, and tjmaxx.com. No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted (applies to TJX Rewards Platinum Mastercard only). No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: TJX family stores (TJ Maxx, Marshalls, HomeGoods, Sierra, TJX.com)

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Redemption Penalties: Rewards Certificates expire 2 years from the date of issuance. Certificates are redeemable only at TJX family stores.

Benefits & Protections (Detailed) 11 Total
PENDING
Lifestyle 1
Exclusive Shopping Events
Access to exclusive events

Cardmembers may receive invitations to special shopping events and promotions.

Purchase Protection 2
Mastercard Extended Warranty
Up to 1 additional year

Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases made with the TJX Rewards Platinum Mastercard. Specific terms, conditions, and exclusions apply.

Mastercard Purchase Protection
Coverage against damage or theft

Covers eligible new purchases made with the TJX Rewards Platinum Mastercard against damage or theft for a specified period, typically 90 or 120 days from the date of purchase. Specific terms, conditions, and exclusions apply.

Security 3
Online Account Management
Online account access

Manage your TJX Rewards Credit Card account, view statements, make payments, and track rewards online through Synchrony's card servicing portal.

Mastercard ID Theft Protection
Identity theft resolution services

Provides identity theft resolution services, including alerts, expert assistance, and restoration services, for eligible TJX Rewards Platinum Mastercard cardholders.

Mastercard Zero Liability Protection
Protection against unauthorized purchases

Protects eligible TJX Rewards Platinum Mastercard cardholders from unauthorized purchases made with their card. Cardholders are not held responsible for unauthorized transactions.

Shopping 4
Accelerated Rewards Earning at TJX Stores
5 points per $1

Earn 5 points for every $1 spent at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores.

Standard Rewards Earning on Mastercard Purchases
1 point per $1

Earn 1 point for every $1 spent on purchases made everywhere else Mastercard is accepted (applies to TJX Rewards Platinum Mastercard).

Rewards Certificate Redemption
$10 per 1,000 points

Receive a $10 Rewards Certificate for every 1,000 points earned. Certificates can be used at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores.

New Account Welcome Offer
10% off first purchase

Get 10% off your first in-store purchase made with your new TJX Rewards Credit Card.

Travel & Emergency 1
Mastercard Global Service
Emergency assistance

Provides emergency assistance services for eligible TJX Rewards Platinum Mastercard cardholders, including lost/stolen card reporting, emergency card replacement, and emergency cash advance.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 30.74% - 30.74%

Balance Transfer APR: 30.74%

Cash Advance APR: 31.74%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months. Minimum monthly payments required. See card agreement for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: The TJX Rewards Credit Card (store card) and TJX Rewards Platinum Mastercard/Visa (general purpose card) offer 5% back in rewards at TJX family stores (TJ Maxx, Marshalls, HomeGoods, Sierra, Homesense) and typically 1% back on purchases elsewhere for the Mastercard/Visa version. Initial sign-up bonuses often include a percentage off the first purchase (e.g., 10-15%). Rewards are issued as certificates redeemable at TJX stores. Eligibility requirements for 2026 are expected to remain: applicants must be at least 18 years old (19 in AL/NE), a U.S. resident with a valid U.S. mailing address, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). All applications are subject to credit approval by Synchrony Bank, with the store card generally having more lenient approval criteria than the general purpose card.

Max Cards Per Issuer: 4

Min Spend Interval: Not applicable for traditional spend bonuses; initial discount typically applies to the first purchase or within the first billing cycle.

Shutdown Risk Triggers: Manufactured spending, rapid application for multiple Synchrony cards within a short period, high cumulative credit limit across all Synchrony accounts relative to income/credit profile, suspicious spending patterns (e.g., large purchases followed by immediate returns, unusual gift card purchases), defaulting on other Synchrony accounts, or significant deterioration of credit score.

Cliff Effect Rules: Typically, only one TJX Rewards credit card account (store card or general purpose card) is allowed per customer. Upgrading from the store card to the general purpose card usually does not qualify for a new sign-up bonus. Rewards earned are pooled under the same TJX Rewards program, regardless of card type.

Special Events: Expected special events for cardholders in 2026 include bonus points days (e.g., increased rewards rate on specific purchases or days), exclusive cardholder discounts, early access to sales, and potential birthday or anniversary rewards.

Holiday Promos: Key promotional periods for 2026 are anticipated to be Black Friday/Cyber Monday week, the broader Christmas/New Year shopping season (November-December), Mother's Day/Father's Day, and the Back-to-School season (July-August).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
High rewards rate (5x points) on purchases at TJX family stores (TJ Maxx, Marshalls, HomeGoods). Offers 1x point on all other purchases, making it a versatile option for everyday spending. Occasional special discounts and cardholder events.

Top Negative:
High Annual Percentage Rate (APR) is a common concern. Customer service from Synchrony Bank can be inconsistent. Rewards are only redeemable at TJX stores, limiting flexibility. Potential for deferred interest charges on promotional balances.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One SavorOne Cash Rewards Credit Card
  • Discover it Cash Back
  • Amazon Prime Rewards Visa Signature Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $180.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: February 2024