Benefits of Using Home Goods Credit Card

Homegoods credit card is not associated with Visa, Mastercard, or other commonly accepted payment networks. This card can be used for purchases at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense locations. Customers who qualify will receive the TJX Rewards Mastercard Platinum, which can be used anywhere that Mastercard is accepted.

Applicants for a credit card with TJX are considered for two cards through Synchrony Bank. The rewards for both cards are the same for purchases at TJX Companies, including T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores. Cardholders will earn 5% back when shopping at these retailers.

Customers who qualify will receive the TJX Rewards Mastercard Platinum, which can be used anywhere that Mastercard is accepted. In addition to the rewards earned at TJX stores, the cardholder will earn 1% on all other purchases. This card also offers general purchase protections from Mastercard. Each home place store has its credit card and its terms and conditions.

Rewards For Using Home Goods Credit Card

There are many benefits of using the home goods credit card. Some of them are listed below. There are also other rewards depending upon the type of card and home foods store.

·        Earning Rewards

Earn 5% back at T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores in the United States and Puerto Rico. In addition, the TJX Rewards Platinum Mastercard earns 1% on all other purchases, including TJX stores located outside of the U.S. and Puerto Rico. Rewards are accumulated as points: 5 points for each dollar spent at TJX stores and 1 point for each dollar spent at all other retailers.

·        Redeeming Rewards

Certificates can only be redeemed for purchases at T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense in-stores or online. Be aware rewards certificates expire 2 years after the issue date. Reward certificates are only paid out in $10 and $20 increments. The remaining rewards will be carried over to the following billing cycle and paid out when enough additional points are earned.TJX Rewards Platinum Mastercard holders earning 1% on the other $27,462 purchases could earn an additional $274 each year in reward certificates. Based on these estimates, the total annual rewards would be approximately $504.

·        Rewards Potential

Both card versions award a $10 reward certificate for every $100 spent at a TJX store. Forbes Advisor estimates that a household in the 70th percentile of income earns $107,908 with $32,072 of expenses that could reasonably be charged to a credit card. Of those expenses, $4,610 is spent on apparel and other shopping. If these purchases were made at TJX stores, you could earn $230 each year in reward certificates.

Conclusion

There are many benefits of using the home goods store credit card. Most benefits include earning rewards, potential reward, and redeeming the bonus. While shopping from the home goods store, you must provide the card number for the payment. If you need more information about the home sound credit card type home improvement store near me, read the terms and conditions of the credit card the company gives its customers.