Can you use this credit card at any place?
2
UpvotesReply
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.
Rewards449Reviews67Q&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
29.99% (V)
Balance Transfer
Balance Transfers Not Allowed
WalletHub Review
by John Kiernan
November 10th, 2022
TJX Credit Card Pros & Cons
No membership fees
High rewards rate
10% discount initial rewards bonus
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.
Most Popular
- Most Popular
- Most Upvotes
Questions sort
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
Jeff Pratley
No, you cannot get cash back with the TJX Credit Card. However, it does have rewards, giving 1 - 5 points per $1 spent on purchases. The TJX Credit Card also has a $0 annual fee.
There are plenty of other cash back credit cards to consider, though....
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 from account opening
Purchase Intro APR0% for 12 months
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR29.99% (V)
Regular APR18.74% - 28.74% Variable
Regular APR17.99% - 27.99% Variable
Rewards Rate1 - 5 points / $1
Rewards Rate1 - 3 points / $1
Rewards Rate4 - 7 points / $1
People Also Apply For
Other TJX Cards
TJX Credit Card Reviews
Share your insights and review the TJX Credit Card
2.9
449 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Report Abuse
5 Star Rating
Verified CustomerI do not like being force to write a review. I like the card because I like the store and I don't go shopping very often but I have new granddaughter so it's nice to have to get her things. So make sure there's a good selection of baby girl items for under 12 months and toys and teething items. Which I found some of these essentials lacking at the store I went to. Thank you though cuz I did find some really nice things also.
Comment
Report Abuse
5 Star Rating
Verified CustomerThe TJX card offers rewards and is my go to card for all household items, it is used across several stores and offers great access to discounts
Comment
Report Abuse
1 Star Rating
Verified CustomerTerrible Customer Service and Card. My account was automatically closed to rejected payments when my bank account was compromised. I never late on my account, and I called customer service to provide a new checking account number to correct the issue. Terrible Card! I won't advise getting one.
Comment
Report Abuse
5 Star Rating
Verified CustomerEasy approval, and can use outside of Tjmaxx..
Can access on line through Tjmaxx rewards or through direct web address.. easy to make payments as well. Be careful it did take a few days to actually be removed from my account.
Can access on line through Tjmaxx rewards or through direct web address.. easy to make payments as well. Be careful it did take a few days to actually be removed from my account.
Comment
Report Abuse
1 Star Rating
Verified Customeri’ll never use this card again they charge you a late fee of $20 so be worn when using and if you don’t pay on time it was my first time and last
Comment
Report Abuse
5 Star Rating
Verified CustomerI just applied for the credit card. I have no history with TJM credit card yet other than shopping there, whic I really enjoy. I plan to pay my card immediately.
Comment
Report Abuse
1 Star Rating
They say they approve fair credit, DO NOT fall for this. I have a 660 and thought this would help improve my score. I was denied and my credit score went down a few points. I do not recommend this card for ANYONE who’s credit is considered fair.
Comment
Report Abuse
5 Star Rating
Verified CustomerI receive rewards all the time with this card. It is $10 for every $100 purchases, I love shopping at all the stores associated with this card.
Comment
Report Abuse
5 Star Rating
Verified CustomerThis really comes in handy for birthdays and Christmas ⛄. We had a really rough year and it was the for school again and really didn't have money to get my boys as much as I would have lined to but with this card is able to get both of them enough school clothes and the $10 rewards for every 1000 points 3arned us awesome. Interest is a little high but you can use it anywhere Mastercard is accepted. But only get 1 point per dollar if not TJ max , Marshals. Home goods or Sierra. Over all really came in handy
Comment
Report Abuse
5 Star Rating
Verified CustomerThe service is excelent , is very importan credit card i make a payment every day because i love buy in tjx and marshall that 2 store i love
Comment
Review TJX Credit Card
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
People Also Apply For
Other TJX Cards
Offer last updated: Nov 10th, 2022 at 06:37 ET
People Also Apply For
PURCHASE INTRO APR
0% for 12 months from account opening
TRANSFER INTRO APR
Not Offered
REGULAR APR
18.74% - 28.74% Variable
ANNUAL FEE
$0
REWARDS RATE
1 - 3 points / $1
BONUS OFFER
30,000 points
MINIMUM CREDIT