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Basic Information
PENDING

Program ID: tjx-rewards-platinum-visa-card

Issuer: Synchrony

Card Name:

Card Type:

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 10:40

Last Scraped: Feb 17, 2026 10:42

SCRA Benefits (Military Members)

Synchrony complies with the Servicemembers Civil Relief Act (SCRA), providing a 6% interest rate cap on certain pre-service obligations for eligible servicemembers.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: TJX stores (T.J. Maxx, Marshalls, HomeGoods, Sierra, Homesense, tjmaxx.com, marshalls.com, homegoods.com, sierra.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¢

Travel Portal Multiplier: 1x

Redemption Penalties: Reward certificates expire two years from the date of issuance. Certificates are only redeemable at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores and online.

Benefits & Protections (Detailed)
No Card Benefits Available

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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
Min Interest Charge: $2.00
Additional Fees
PENDING
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Supported
Application Process
Available
Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Earn 10% back in rewards on your first in-store or online purchase at TJX stores within 30 days of account opening, up to a maximum of $100 in rewards. Plus, earn 5 points per $1 spent at TJ Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores, and 1 point per $1 spent everywhere else Visa is accepted. Eligibility requirements: Applicants must be at least 18 years old, a U.S. resident, possess a valid Social Security Number, and have a fair to good credit score (typically FICO 670+). Approval is subject to Synchrony's credit underwriting standards, including income verification and existing credit relationships.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), excessive returns, unusual spending patterns inconsistent with typical retail behavior, high cumulative credit limit across multiple Synchrony accounts, multiple recent applications for Synchrony cards, late payments, or defaults on any Synchrony account.

Cliff Effect Rules: The TJX Rewards Platinum Visa Card is the premium tier. Applying for the basic TJX Rewards Store Card first may impact eligibility or bonus offers for the Platinum Visa. There are no direct 'cliff effect' rules regarding bonus eligibility across a broad card family like some major issuers, but product changes between the store card and Visa version may not re-trigger sign-up bonuses.

Special Events: Frequent 'Double Points Days' or 'Bonus Points Events' at TJX family stores, exclusive cardholder discounts on specific merchandise categories, and 'Spend X, Get Y' promotions throughout the year.

Holiday Promos: Enhanced rewards or special discounts typically offered during major shopping holidays such as Black Friday/Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, and Back-to-School periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Excellent rewards for frequent shoppers at TJX brands (TJ Maxx, Marshalls, HomeGoods). Relatively easy approval for those with fair credit. Occasional special financing offers.

Top Negative:
Low credit limits are common. High APR. Customer service from Synchrony Bank can be frustrating. Rewards are primarily useful only within TJX stores.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One SavorOne Cash Rewards Credit Card
  • Amazon Prime Rewards Visa Signature Card
  • Citi Custom Cash Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $260.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2024-03-01