TJX Rewards® Platinum Mastercard®* vs. Capital One Walmart Rewards® Mastercard®*
The Capital One Walmart Rewards® Mastercard®* earns 5% cash back on purchases made at Walmart.com and the Walmart app, including grocery pickup and delivery, 2% cash back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA fuel stations and 1% back everywhere else. If you don’t qualify for the Mastercard, you’ll be considered for the store card version.
Rewards can be redeemed for statement credit, gift cards or travel. This card also offers a welcome bonus of 5% cash back on purchases made in Walmart stores for the first 12 months of account opening when using the Capital One Walmart Rewards card with Walmart Pay.
TJX Rewards® Platinum Mastercard®* vs. Capital One QuicksilverOne Cash Rewards Credit Card
Available to those with fair credit, the Capital One QuicksilverOne Cash Rewards Credit Card (rates & fees) offers 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). While this card has a $39 annual fee, it offers more flexibility for redeeming rewards. You can redeem your cash back at any time and in any amount. Also your rewards never expire as long as your account is open, unlike the two-year expiration window on the TJX Rewards.
This card also offers travel accident insurance, auto rental collision damage waiver and no foreign transaction fees. If you plan to charge flights and rental cars on this card, it is a wise option to consider.
TJX Rewards® Platinum Mastercard®* vs. Discover it® Secured Credit Card
If you were considering the TJX Rewards credit card to build your credit, you may want to consider a secured card like the Discover it® Secured Credit Card. With a secured card, you pay a deposit equal to your credit line. With the Discover it® Secured Credit Card, you can put down a minimum of $200, up to a maximum of $2,500 if approved.
Although an initial deposit may seem steep, there are no annual fees with this card. Your account is also evaluated after seven months to determine whether you are eligible to graduate to an unsecured card and have your deposit refunded.
You’ll also earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases. Discover will also match all the cash-back rewards you earn at the end of your first year as a bonus.
While the initial out-of-pocket cost for a secured card is higher, it could afford you a greater diversity of buying power than the TJX Rewards credit card. Plus, the deposit is refundable.
