TJX Companies — the parent of T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense — runs two co-branded credit cards through Synchrony Bank: a store-only card and a general-purpose Platinum Mastercard. Both share the same headline reward rate (5 points per $1 at TJX-family stores) and the same $0 annual fee, so the decision mostly comes down to whether you want a card that also earns rewards outside TJX stores.
How the two cards differ
The store-only TJX Rewards Credit Card works exclusively at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense. It typically has a lower approval bar since the issuer's risk is limited to one retail family. The TJX Rewards Platinum Mastercard is the general-purpose version — it's accepted anywhere Mastercard is taken, adds 2 points per $1 on gas, grocery, and restaurant purchases, and 1 point per $1 on everything else, but typically requires stronger credit to get approved.
Is the high APR a dealbreaker?
Both cards carry a 29.99% variable purchase APR (verified August 2026) — well above the average credit card APR. Like most store cards, the TJX cards are built around the rewards rate, not low-cost borrowing. If you plan to carry a balance, the interest charged will outweigh the 5% TJX rewards rate within a couple of months. These cards make sense specifically for shoppers who pay their statement in full every cycle.
Our methodology
Every figure above — APR, annual fee, rewards rate, and redemption terms — is attributed to Synchrony Bank and TJX's own published disclosures, verified August 2026. ClearValue Lending is not a card issuer; we score and compare publicly available terms. Rates and terms change — confirm current terms at tjmaxx.tjx.com before applying. See our full review methodology for how we score cards.