TJX Rewards Platinum Mastercard

Synchrony Mastercard Platinum Pending

Back Apply Now

6

Benefits

2

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: tjx-rewards-platinum-mastercard

Issuer: Synchrony

Card Name: TJX Rewards Platinum Mastercard

Card Type: Credit

Network: Mastercard

Card Tier: Platinum

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 11:42

Last Scraped: Feb 05, 2026 13:03

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible Servicemembers may qualify for benefits under the SCRA, including an interest rate reduction to 6% on balances incurred prior to active duty.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
TJX Stores 5x Points Purchases made at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores and online. No Cap
All Other Purchases 1x Points Purchases made everywhere else Mastercard is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores and online

Quarterly Rotating: No

Expiration Policy: Points do not expire as long as your account is open and in good standing. TJX Rewards Certificates expire 2 years from the date of issue.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of 1,000 points for a $10 TJX Rewards Certificate.

Benefits & Protections (Detailed) 6 Total
PENDING
Security 3
Mastercard Zero Liability Protection
Full protection against unauthorized purchases

Protects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for fraudulent charges.

Mastercard ID Theft Protection
Comprehensive identity theft resolution services

Provides identity theft resolution services, including monitoring for suspicious activity, alerts, and assistance with restoring identity if it's stolen.

Mastercard Global Service
24/7 emergency assistance

Provides 24/7 emergency assistance for card-related needs, including lost or stolen card reporting, emergency card replacement, and emergency cash advance.

Shopping 3
TJX Rewards Earning Rate (TJX Stores)
5 points per $1

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

TJX Rewards Earning Rate (Everywhere Else)
1 point per $1

Earn 1 point for every $1 spent on purchases everywhere else Mastercard is accepted.

TJX Rewards Certificate Redemption
1,000 points = $10 Rewards Certificate

Redeem accumulated points for TJX Rewards Certificates, which can be used for purchases at T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 30.24%

Balance Transfer APR: 30.24%

Cash Advance APR: 30.24%

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 or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
640 - 720
Good
Supported
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: New cardholders typically receive a 10% or 15% discount on their first in-store or online purchase made with the card. This is usually a one-time offer. Applicants must be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. Approval for the Platinum Mastercard version generally requires good to excellent credit, while the store-only version may be approved with fair credit.

Max Cards Per Issuer: 3

Min Spend Interval: N/A (Bonus typically applies to first purchase, not a spend over time. If a spend-based bonus were introduced, it would likely be 3 months).

Shutdown Risk Triggers: Manufactured spending (though less common for retail cards), high cumulative credit limit across Synchrony accounts, rapid application for multiple Synchrony cards, sudden uncharacteristic spending patterns, missed payments, high utilization, or suspected fraudulent activity.

Cliff Effect Rules: No explicit 'cliff effect' rules like those found with other major issuers. However, Synchrony assesses total credit exposure across all its products. Approval for the TJX Rewards Platinum Mastercard may be impacted by existing Synchrony credit limits, but obtaining the store-only TJX Rewards card does not typically preclude eligibility for the Mastercard version, nor vice-versa, though total credit extended will be considered.

Special Events: Frequent in-store and online promotions, often tied to specific spending thresholds or product categories, offering extra savings days (e.g., 10% off a purchase day) exclusively for cardholders. These events are common throughout the year, especially during seasonal changes and major shopping periods.

Holiday Promos: Major shopping holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, Memorial Day, Labor Day, and Back-to-School periods are prime times for enhanced cardholder promotions and discounts at TJX family stores.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Excellent rewards for loyal TJX shoppers (5% back), easy approval for many with fair credit, occasional exclusive discounts.

Top Negative:
Low rewards on general spending (1% back), high APR, frequent complaints about Synchrony customer service, issues with credit limit increases or rewards redemption.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One Quicksilver
  • Citi Double Cash Card
  • Amazon Prime Rewards Visa Signature Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $260.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0