TJX Rewards® Credit Card Review 2026

The TJX Rewards Credit Card earns 5 points per $1 spent at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense, per Synchrony Bank/TJX terms (verified August 2026). 1,000 points converts to a $10 reward certificate, which works out to roughly 5% back on TJX purchases. This is the store-only version — it does not earn rewards on purchases made outside the TJX family of stores.

TJX doesn't publish a minimum FICO score, but as a store card it typically approves applicants in the fair-to-good credit range (roughly 630+), a lower bar than most general-purpose rewards cards. Approval also depends on income and existing debt. Check tjmaxx.tjx.com for the current pre-qualification tool, which uses a soft pull that doesn't affect your credit score.

No — TJX offers two versions. The TJX Rewards Credit Card (this card) is a store-only card usable at TJX-family stores. The TJX Rewards Platinum Mastercard is a general-purpose version that also earns 1-2 points per $1 everywhere else Mastercard is accepted. See our TJX Rewards Platinum Mastercard review for the general-purpose version.

No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the TJX Rewards Credit Card. The card is issued by Synchrony Bank and is a product of The TJX Companies, Inc. (T.J. Maxx, Marshalls, HomeGoods, Sierra, Homesense). Rates, fees, and terms are determined solely by the issuer and may change — verify current terms at tjmaxx.tjx.com before applying.