TJX Rewards Platinum Mastercard®
Basic Information
Program ID: tjx-rewards-platinum-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Platinum
Data Complete: Yes
Created: 01/15/2026 11:42
Last Scraped: 01/15/2026 11:43
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% 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
Purchase APR Range: 2,024.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Based on current information (as I cannot access future live data for January 2026), the welcome offer for the TJX Rewards Platinum Mastercard is typically '10% off your first purchase when you open and use your card'. This is an immediate discount applied at the time of the first purchase and does not involve a fixed points/cash bonus or a specific spending requirement beyond making the initial purchase. Therefore, SignupBonusAmount and SignupBonusRequirementAmount are set to 0. Points for ongoing spend (5 points per $1 at TJX stores, 1 point per $1 elsewhere) typically post within 1-2 billing cycles.
Rewards Program
Reward Type: Points (redeemable for store certificates)
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at TJ Maxx, Marshalls, HomeGoods, Sierra, and TJX.com
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing. Reward certificates typically expire 2 years from issuance.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The TJX Rewards Platinum Mastercard typically offers 5% back in rewards on purchases at TJX stores (TJ Maxx, Marshalls, HomeGoods, Sierra, Homesense) and 1% back on all other purchases where Mastercard is accepted. Rewards are issued as $10 certificates for every 1,000 points earned. A common sign-up bonus for new cardholders is a percentage off their first in-store or online purchase (e.g., 10-15% off) or a statement credit after meeting a small initial spend threshold. Eligibility requirements generally include being at least 18 years old, having a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), a U.S. mailing address, and meeting Synchrony Bank's creditworthiness criteria. While store cards can be more accessible, good to excellent credit is usually preferred for the Platinum Mastercard version. Applicants must not have too many existing Synchrony accounts or recent applications. Store-specific restrictions and promotional exclusions apply to reward redemption and special offers.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: First purchase or 90 days (if applicable for a bonus)
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (too many applications in a short period), high cumulative credit limit across Synchrony accounts, missed payments, delinquency, suspicious account activity, frequent large returns that negate rewards, or breach of cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Excellent rewards for frequent shoppers at TJX family stores (TJ Maxx, Marshalls, HomeGoods). Mastercard acceptance provides flexibility for everyday purchases.
Top Negative Feedback:
High interest rates if balances are carried. Customer service can be inconsistent. Credit limit increases may be slow. Rewards redemption can sometimes be clunky.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Discover it Cash Back
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $200.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 45% TJX Stores / 55% General Spending
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0