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TJ Maxx Credit Card:5 Things You Should Know Before Applying 2023

TJ Maxx Credit Card

Earning points and incentives are good, but if you aren’t a regular consumer, it may not be worth the investment.

T.J. Maxx, one of TJX Companies’ premier discount clothes and home goods businesses in the United States, is well-known among bargain hunters and fashionistas throughout the nation. This retail chain takes pride in providing customers with high-quality, name-brand merchandise at costs that are 20% to 60% less than what they would pay at other department stores.

If you’re a regular T.J. Maxx shopper, you may use a T.J. Maxx credit card to make purchases at T.J. Maxx, Marshalls, HomeGoods, Sierra Trading Post, and Homesense – all TJX brands. Online and in-store discounts, reward certificates, and special shopping events are among the benefits.

The fundamentals of T.J. Maxx credit cards

T.J. Maxx offers two kinds of credit cards, both of which are issued by Synchrony Bank:

The TJX Rewards Credit Card is a store card that can only be used at T.J. Maxx and its partner brands in the United States and Puerto Rico, as well as on any of the companies’ websites.
The TJX Rewards Platinum Mastercard, which may be used everywhere Mastercard is accepted, is the second option. The TJX Rewards Credit Card will be the primary topic of this essay.
The TJX Rewards Credit Card is available for application online or in-store at T.J. Maxx. You may be given the Platinum Mastercard if you fulfill the credit standards. If you apply for the Platinum but are denied, you may be given the shop card instead. Both will give you reward certificate points.

The majority of the exact words for each card are the same. Both feature a high variable APR (annual percentage rate) that varies with the prime rate. Your APR will increase if the prime rate rises. The same holds true if the prime rate falls.

When you apply for a TJX Rewards Credit Card, you’ll get 10% off your first online or in-store purchase, which is a great welcome gift. You’ll also begin to accumulate points in the rewards program. Once you’ve accumulated 1,000 points, you’ll get a $10 Rewards Certificate, which you may spend at T.J. Maxx, Marshalls, HomeGoods, Sierra Trading Post, and Homesense locations. Cardholders are also invited to special exclusive shopping events.

The TJX Rewards Credit Card: 5 Things You Should Know

1. Get 5% back on T.J. Maxx purchases

T.J. Maxx advertises “5% back in rewards” when using a TJX Rewards Credit Card at their locations. This rewards rate means you get five points for every dollar you spend at T.J. Maxx or another TJX retailer using your card.

Points do not expire and will build up in your account until you reach 1,000, at which point a $10 certificate will be created. In essence, you receive $10 back for every $200 spent.

After earning 1,000 points, a tangible certificate is delivered with your statement within one to two billing cycles, but you may also view and print your certificates from your online account. The certificates are valid for two years from the date of issuing.

The certificates may be redeemed online at or in-store at T.J. Maxx, Marshalls, HomeGoods, Sierra Trading Post, and Homesense locations in the United States and Puerto Rico. They cannot be used to purchase gift cards, gift certificates, e-gift cards, or third-party gift cards, and they cannot be exchanged for cash.

2. Receive a 10% welcome bonus

When you obtain a new credit card with a shop, a discount is usually a pleasant reward. After being authorized for a TJX Rewards Card, you’ll get a 10% off voucher valid for your first purchase at T.J. Maxx. However, there are a few restrictions to this sign-up incentive.

To begin, you must use your new TJX Rewards card to make the transaction in order to get the discount. Second, if you apply online and get a discount code, it is only valid on the shop website from where you applied. You may, however, print the coupon and spend it at any TJX shop in the United States, such as T.J. Maxx, Marshalls, HomeGoods, Sierra Trading Post, or Homesense.

Third, if you apply for a card using your mobile device and are authorized, you may only use your 10% discount in-store.

3. Cardholders get exclusive savings

Receiving exclusive discount opportunities, such as exclusive private shopping events, is one of the exclusive benefits of owning a TJX Rewards Card. When you sign up for the card, you may also choose whether or not to get special offers by email.

4. Considerably high APR

The T.J. Maxx credit card APR is rather high, as is the case with most retail cards. If you don’t intend on paying off your amount every month, you’ll probably end up spending considerably more than you budgeted for your goods after interest is included.

And paying high interest implies your prizes will be less valuable. If you got a $10 rewards certificate but had to pay $20 in interest charges, you are losing money.

Who is the T.J. Maxx credit card best suited for

The TJX Rewards Card is ideal for consumers who spend a lot of money at T.J. Maxx or its affiliated companies, as well as those who are brand loyal. You may be able to get some great value out of this card if you keep a careful check on your rewards points, leverage the discount opportunities that arise during the year, and pay off your amount each month.

Furthermore, the T.J. Maxx credit card does not incur a foreign transaction fee. So, if you’re planning a trip overseas and don’t have time or don’t want to register a new credit card account, you might utilize your T.J. Maxx card and avoid paying expensive fees.

How to Apply for a T.J. Maxx Credit Card

TJX Rewards Cards may be obtained at any T.J. Maxx location. A customer service professional will assist you in completing the application, which will be completed shortly.

You may also apply online at T.J. Maxx’s website. You must enter your name, address, phone number, email address, Social Security number, and yearly income for each application. You cannot apply for a credit card over the phone.

You may manage your credit card account online after you’ve been accepted. You will get monthly statements in either print or electronic format. You may pay your bill using your online account, by mail, or by phone. T.J. Maxx does not accept payments in-store.

Alternatives to the T.J. Maxx card

Though the TJX Rewards Card has some beneficial features, you may want to consider a regular rewards card to get the most bang for your dollars. These cards provide more flexible spending options, as well as the opportunity to earn cashback benefits that may be used anywhere.

Frequently asked questions

What is the minimum credit score required for a T.J. Maxx card?

  • To be eligible for a T.J. Maxx credit card, you must have a credit score of 620 or higher.
  • If your credit score is 670 or above, one of the better cashback cards, such as the Chase Freedom Flex, may be a better option. With no yearly charge, the benefits you earn while shopping at T.J. Maxx would be far more flexible and possibly rewarding.

T.J. Maxx’s credit card is issued by which bank?

  • Synchrony Bank is the banking institution that issues The T.J. Maxx Credit Card, which is a Mastercard.

Can I use my T.J. Maxx Credit Card at other shops or online?

  • Your TJX Rewards Credit Card is a store card that can only be used at T.J. Maxx and partner stores like Marshalls and HomeGoods.
  • If you meet the requirements for the TJX Rewards Platinum Mastercard, you may use it to make purchases online and anyplace that takes Mastercard. You can also connect this Mastercard to shopping apps like Rakuten to earn points across several platforms for the same transactions.

Why is my Social Security number required for the T.J. Maxx credit card?

  • To apply for a T.J. Maxx credit card, you must first recieve a hard inquiry When a credit check is completed and the inquiry is on your credit report, your Social Security number is utilized to get your credit file.

How do I check the balance on my T.J. Maxx card?

  • By entering into your MyCreditCard account, you may check the amount on your T.J. Maxx credit card. To establish a new account if you have not already registered, you will need your credit card information and billing zip code.

Can I pay my T.J .Maxx credit card bill online?

  • By login into your account at, you may pay your T.J. Maxx credit card bill online. You may also request electronic statements.

How do I cancel my T.J. Maxx credit card?

To cancel your T.J. Maxx Rewards Card, contact 800-952-6133 or 877-890-3150 if you have a Platinum MasterCard.

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Amber Watson