Can you use this credit card at any place?
2
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WalletHub
Yes, you can use the TJX Credit Card at any merchant that accepts MasterCard.
TJX Credit Card
TJX Credit Card
Info about TJX Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards432Reviews68Q&AContactRewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
10% off your first online or in-store purchase with your card
Earn 5 points for every $1 you spend on purchases at T.J.Maxx, Marshalls, HomeGoods and Sierra, and Homesense stores in U.S. and Puerto Rico and online at any participating ecommerce site operating under any of the foregoing brands.
Earn 1 point per $1 spent everywhere else. Points do not expire.
Receive $10 in TJX reward certificates for every 1,000 points earned.
APR on Purchases
28.49% (V)
Balance Transfer
Balance Transfers Not Allowed
WalletHub Review
by John Kiernan
July 29th, 2022
TJX Credit Card Pros & Cons
No membership fees
High rewards rate
10% discount initial rewards bonus
Reports to the three major credit bureaus
No intro APR on purchases
No balance transfers allowed
Foreign fee
Requires good/excellent credit
TJX Credit Card's Additional Info
| cash advance fee | 4% (min $10) |
| cash advance APR | 29.99% |
| foreign transaction fee | 0 |
| smart chip | Yes, chip-and-PIN |
| max late fee | $38 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 23 days |
0% Fraud Liability.
Identity Theft Resolution.
Questions & Answers
Can't find what you are looking for? Submit your question about TJX Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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How can I check my TJX Credit Card points balance?
1
UpvoteReply
Clarence Brown
You can check your TJX Credit Card points balance by accessing your account online. In case you haven't linked your card to your TJmaxx online account, do it first to be able to access your Rewards Certificates digitally.
You could also call 1-800-926-6299 for help.
What's the TJ Maxx Credit Card expiration date?
1
UpvoteReply
Leon Denerus
You can find your TJ Maxx Credit card expiration date on the front of your card, underneath your 16-digit card number.
Can I pay my TJ Maxx credit card in store?
1
UpvoteReply
thom Fotenberg
You cannot pay your TJX credit card bill in-store.
You can pay online, by phone (1-877-890-3150), or by mail:
Synchrony Financial
PO Box 960061
Orlando, FL 32896
What's the TJX credit card APR?
1
UpvoteReply
William Drake
The TJX credit card APR is 28.99% (V). No 0% introductory offer here, unfortunately.
How long does it take to get approved for the TJX Credit Card?
1
UpvoteReply
thom Fotenberg
Synchrony Bank will review your TJX Credit Card application and let you know whether you're approved instantly, in most cases. It may take a few business days if they need to verify your information.
Can I get cash back with the TJX Credit Card?
1
UpvoteReply
How can I get a PIN for my TJX credit card?
1
UpvoteReply
WalletHub
Your PIN could be on the welcome materials you received in the mail with your T.J. Maxx card. If you don't have those at hand, simply call customer service at 1-877-890-3150 to set a PIN.
If I threw my bill away is there any way to get my rewards coupons?
1
UpvoteReply
Patrick Murphy
Yes. You receive a $10 TJX rewards coupon once you've accumulated 1,000 points. You can earn points by making eligible purchases with your credit card, so as long as you do that, you will continue receiving your rewards.
Can my TJX card be used outside of the US?
1
UpvoteReply
WalletHub
There are two TJX cards - the TJX Store Card and the TJX MasterCard. The former can only be used at TJX locations in the U.S., while the latter can be used basically anywhere in the world, thanks to the card network's global acceptance.
Compare The TJX Credit Card
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR28.49% (V)
Regular APR17.24% - 27.24% Variable
Regular APR17.49% - 24.49% (V)
Rewards Rate1 - 5 points / $1
Rewards Rate4 - 7 points / $1
Rewards Rate1 - 3 points / $1
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TJX Credit Card Reviews
Share your insights and review the TJX Credit Card
2.8
432 reviews
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3 Star Rating
Just got TJx reward card. Made 3 payments in one month. Currently it has been 72 hours since completely paying it off, and bringing to a zero balance. Money was taken out of bank account and posted to TJx account 72 hours ago. AVAILABLE CREDIT does not reflect this payment, although balance shows at zero. When I called customer service they advised, because there were multiple payments made in one month, my card was put on hold. I explained to customer rap, the terms and conditions disclosure state available credit will reflect payment within 48 hours. It has been 72 so far, and was told by rap that card will not be released until 5 business days. Super disappointed about lack of disclosure and braking the legal parameters.
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3 Star Rating
Verified CustomerGet one you’ll see why ! I had a MasterCard but I had to cancel cause of the pandemic never got the card but even tho I told them the situation and they tried to make it look like I wasn’t telling the true … and I said sorry I work for the company and you can’t tell me this !! They lies about a lot of this but oh well I got just a card to make purchase to get rewards that’s all I can only shop at T.J.Maxx with that card !
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5 Star Rating
Verified CustomerI have this card. and the rewards are nice. but this line of 300.00 is not that great other than that the card I’d ok that’s my take
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5 Star Rating
Verified CustomerExcellent card, always dependable and I can use it at other merchants besides the max. You also earn points you can use towards the max merchandise
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5 Star Rating
Verified CustomerI enjoy the T.J. Maxx credit card I love shopping at T.J. Maxx where I can use my points. I also love using my card to pay my monthly car insurance bill and groceries and assorted items I always pay my bills religiously.
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4 Star Rating
Verified CustomerGood card but difficult to deal with their fraud department if there's a fraudulent charge on the account. Otherwise it's a good card
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5 Star Rating
Verified CustomerI really was happy to get my tj max credit card I enjoy it as plan on utilizing it very much . I am new to it and really excited to see it play out.
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5 Star Rating
Verified CustomerI love shopping at TJX I always pay my account on time and full amount I plan not using my card so much I’m keeping my debit down and I love seeing my credit score go up.
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1 Star Rating
Verified CustomerThe interest was almost 28 %. I won’t be using it any time soon unless I can pay in full. There is no balance. They are sending me a check for $98.69 as they should not have charged me interest on a pay off amount.
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4 Star Rating
Verified CustomerIt’s alright. No store discounts with use. They win. You…Not so much. Use your card that offers some type of rewards with a lower interest rate. I don’t think I even carry it in my wallet
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Review TJX Credit Card
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Offer last updated: Jul 29th, 2022 at 09:49 ET
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PURCHASE INTRO APR
0% for 12 months
TRANSFER INTRO APR
Not Offered
REGULAR APR
17.24% - 27.24% Variable
ANNUAL FEE
$0
REWARDS RATE
4 - 7 points / $1
BONUS OFFER
15,000 points
MINIMUM CREDIT