The TJX Rewards program, also known as the TJX Rewards® Credit Card or TJX Rewards® Platinum Mastercard, offers benefits and discounts for loyal customers who frequently shop at TJ Maxx, Marshalls, HomeGoods, and other affiliated stores. The program offers two main credit card options with varying levels of benefits: the TJX Rewards® Credit Card and the TJX Rewards® Platinum Mastercard.

Here's how the TJX Rewards program is structured:

1. Membership: Customers can apply for one of the two credit card options, either the TJX Rewards® Credit Card or the TJX Rewards® Platinum Mastercard. Membership is contingent upon approval of the credit application.
2. Earning Rewards:
3. TJX Rewards® Credit Card: Cardholders earn rewards when they use the TJX Rewards® Credit Card for purchases at TJ Maxx, Marshalls, HomeGoods, and affiliated stores. As of my last update, for every $1 spent in-store or online at these retailers, cardholders earned 5 points. For every 1,000 points accumulated, they received a $10 rewards certificate.
4. TJX Rewards® Platinum Mastercard: Cardholders with the Platinum Mastercard earn rewards both inside and outside the TJX family of stores. They earn:
5. 5 points for every $1 spent at TJX stores.
6. 1 point for every $1 spent elsewhere Mastercard is accepted.
7. As of my last update, for every 1,000 points accumulated, they received a $10 rewards certificate. The Platinum Mastercard offers greater flexibility for earning rewards beyond just TJX stores.
8. Rewards Certificates: Cardholders receive rewards certificates when they accumulate a certain number of points (typically 1,000 points = $10 certificate). These certificates can be used to get discounts on future purchases at TJ Maxx, Marshalls, HomeGoods, and affiliated stores.
9. Exclusive Discounts: Cardholders may receive exclusive discounts, promotions, and early access to sales events.
10. No Annual Fee: Both the TJX Rewards® Credit Card and the TJX Rewards® Platinum Mastercard usually have no annual fee.
11. Digital Account Management: Cardholders can manage their accounts, track rewards, and make payments through an online portal or mobile app.
12. Additional Mastercard Benefits: The TJX Rewards® Platinum Mastercard offers all the benefits of a regular Mastercard, including acceptance at a wide range of locations worldwide, as well as additional perks such as price protection, extended warranty coverage, and identity theft resolution services.

Please note that program details may have changed since my last update. To get the most current information on the TJX Rewards program and its benefits, visit the official TJ Maxx, Marshalls, or HomeGoods website, or contact their customer service directly. Additionally, it's essential to use any credit card responsibly and be aware of interest rates, fees, and payment due dates to avoid unnecessary debt.

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