TJX Rewards program points can be converted into gift certificates which can be used to purchase merchandise at any T.J. Maxx, Marshalls, HomeGoods or Sierra Trading Post store. Participants can also redeem them at TJMaxx.com or SierraTradingpost.com. Points accrue based on purchases made with a TJX Rewards credit card, and as of 2015, every 1,000 points accumulated can be converted into a $10 certificate, according to Reward The Public.
For every dollar that card users spend at T.J. Maxx, Marshalls and Home Goods stores, they accumulate five points. Additionally, TJX Rewards Platinum Card holders also receive one point for every dollar spent anywhere that accepts MasterCard. For complete details on how points accumulate, card holders should look over the How to Earn section at Reward The Public or review the card details under the TJXReward Credit Card section, located under the Help menu at T.J. Maxx's official website.
Card holders can apply the certificates to any merchandise carried in the participating stores, including women's apparel, housewares, shoes, handbags, jewelry, children's apparel, men's apparel, juniors' apparel and clearance merchandise, according to T.J. Maxx. Shoppers can use certificates alongside gift cards, coupons and promo codes.
According to reviews at CardHub, many people use the rewards certificates toward purchases of more expensive items, such as furniture. One CardHub reviewer finds the reward certificates helpful when doing back-to-school shopping, and another user comments that they are especially useful for buying apparel and housewares.