TJX Rewards

The TJX Rewards card is worth it if you regularly spend at TJ Maxx, Marshalls, HomeGoods, or Sierra and want an easy way to earn extra value on those purchases. A 5% return at those stores is strong for loyal shoppers, and the $0 annual fee means there is little downside if you use it only at checkout there.

Outside the TJX family, the card is much less useful. Since it earns just 1% everywhere else and does not come with meaningful side benefits, most readers should think of it as a store card to keep in the drawer for TJX purchases, then use a stronger everyday cash-back card for everything else.