TJX Store Card Reviews (2026)Reviews, rates, fees, and rewards details for The TJX Store Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate10% discount initial rewards bonusQualify with fair creditHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
The TJX Store Card is a good credit card to get if you have a credit score of 640 or higher and you like to shop at T.J.Maxx, Marshalls, HomeGoods, Sierra Trading Post, and Homesense. It’s worth getting this card because it will save you 5% on purchases, and there’s no annual fee. Just make sure to pay the monthly bills in full so you can avoid the high APR. Info about the TJX Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.5/5
369 reviewsRead and write reviews
Editor’s Review
4.5/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.3
Cost
3.4
Other Features
0.0
3.5/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
30.49% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
10% off your first online or in-store purchase with the card.
Earn 5 points (equivalent to 5% back) for every $1 you spend on purchases at T.J.Maxx, Marshalls, HomeGoods, Sierra Trading Post and Homesense stores and online at any participating e-commerce sitesfor the above.
Receive $10 in TJX reward certificates for every 1,000 points earned.
No limit to the amount of TJX Rewards you can earn.
The TJX Store Card is a good credit card to get if you have a credit score of 640 or higher and you like to shop at T.J.Maxx, Marshalls, HomeGoods, Sierra Trading Post, and Homesense. It’s worth getting this card because it will save you 5% on purchases, and there’s no annual fee. Just make sure to pay the monthly bills in full so you can avoid the high APR.
Note that this card only works at TJX stores and their websites. If you have a good or excellent credit score of 700+, however, you may be approved for the TJX Credit Card, which can be used anywhere Mastercard is accepted.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.5
Market Comparison
3.5
fees: 5.0
rewards: 3.3
cost: 3.4
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
4.1
Market Comparison
4.4
fees: 5.0
rewards: 4.3
cost: 4.6
Other Features: 0.0
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.6
Market Comparison
4.2
fees: 3.8
rewards: 4.3
cost: 4.6
Other Features: 0.0
(369)
(20)
(892)
annual fee$0
annual fee$0
annual fee$0
rewards rate 5 points / $1
rewards rate 1 - 5% Cash Rewards
rewards rate 1.5 - 5% Cash Back
bonus offer10% discount
bonus offer $150 Amazon gift card
bonus offer $200
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after)
Can't find what you are looking for? Submit your question about TJX Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can make TJX Store Card payment online, by phone, or by mail. To pay your TJX Store Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.
Ways to Make TJX Store Card Payment
Online: Log in to your online account and click on “Make a Payment.”
By phone: Call (800) 952-6133 and enter your card information when prompted, then follow the prompts to make a credit card payment.
By mail: Send a check or money order (but not cash) to
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a TJX Store Card payment, so just choose whichever method is easiest for you. The key is to not miss any due dates, as that can lead to serious credit score damage.
You need fair credit to get approved for the TJX credit card, which means a credit score of 620 or above. Your credit score won't be the only factor taken into account, however, so this is only a guideline.
With that being said, you're right to consider a store credit card in this instance because they typically have more lenient approval requirements than general-purpose credit cards. The Kohl's Store Card is another offer worth looking into,...
Yes, you can use your card at Marshalls, T.J.Maxx, HomeGoods and Sierra Trading Post. And you will earn 5 points for every $1 spent at these stores. Best of luck!
The easiest way to apply for the TJX Store Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Synchrony Bank's website. Alternatively, you can apply in store.
Keep in mind that the TJX Store Card requires Fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...
Your TJX Store Card points will be automatically redeemed for $10 reward certificates once you've accumulated 1000 points. You can apply the reward certificates at checkout when shopping at T.J. Maxx and their affiliated brands.
Here's How Redeeming TJX Store Card Points Works
Every 1000 points you earn will be automatically converted into a $10 reward certificate. Each reward certificate you earn will appear on your monthly statement. You can also log in to your online account...
Yes, the TJX Store Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
There is no way to pre-qualify for the TJX Store Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people's scores bounce back within 3-6 months with responsible credit management, but it can take...
You might get a TJX Store Card pre-approval letter if you fit the issuer's criteria for offering you one. Unfortunately, there's no other way to check if you pre-qualify for this card.
Getting pre-approved is only a soft pull on your credit, but it doesn't guarantee your actual approval for the TJX Store Card. If you finally decide to apply, a hard pull on your credit is unavoidable. Keep in mind that this might lower your credit score...
The TJX Store Card mainly uses TransUnion to check your credit when you apply, though Synchrony bank may use Equifax or Experian instead, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for the card.
Key Things to Know
The TJX Store Card requires fair credit or better.
When you apply, Synchrony bank will perform a hard inquiry on your credit report, which might temporarily damage...
Share your insights and review for the TJX Store Card
5
16%
4
51%
3
15%
2
6%
1
12%
3.5
369 reviews
369 reviews
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sarah wiggers @SarahWiggers
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1 Star Rating
I set up an autopayment and found that I didn't have enough money to cover the balance due on the due date. So I manually paid the balance due on the due date after adding money to my bank account immediately. Half a month later, they charged me $32 for a returned check. I don't understand why, because I paid the balance due on the due date. They received the money in full without any delay.
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Heidi Lili @heidilil90
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1 Star Rating
They close your account for no reason other than not making recent purchases, even during pandemic situations, with no advance notice. They will only reopen a new card with a hard inquiry into your credit, despite your being an excellent customer for years. I will never spend another penny at any of their stores again. Terrible policy. They do not value their good customers.
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tarisaco @tarisaco
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1 Star Rating
Watch out, interest rates are through the roof. A 34.99% rate is not worth the measly rewards. I ended up closing my account after they billed me $342 for interest. It's crazy they couldn't write that off. Seriously!
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0
0
Bon Chi @bcsm707
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1 Star Rating
Be cautious with your rewards, they can be stolen and you will never be able to use them . This is the worst credit card I have ever had in my life. I had an account blocked due to a transaction they suspected was fraudulent, even though I confirmed that I was the one making it. My card was blocked for two weeks because they didn't have an easy way to validate it. I was very upset with this because I was going on a trip, and it was the card I had used for reservations. In addition, I used that card for my daily expenses to earn points. I had the card for five years and utilized my rewards. However, after I presented my concerns and frustration, they removed all the points accumulated from purchases in the store, totaling $360. If you have this card for the rewards, be aware that your rewards certificates can be withdrawn. I suspect it was an employee of the bank because the removal of my rewards occurred after I expressed my anger about my card being blocked. When I called to report what happened, they told me there was nothing they could do, though they were able to identify all the stores where my rewards certificates were used. Horrible experience. Never get this credit card for the rewards; they can be withdrawn without your knowledge, leaving you unable to use them.
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Wayne Gg @mymusic_1
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1 Star Rating
As others have written, TJX's late payment fees are horrendous. If you pay by check, be sure to send the payment as soon as the statement is received. On a purchase of $26.79, I incurred a late fee of $26.79 plus a $2.00 minimum interest charge. The check was mailed more than a week before the due date but was applied to my account the day after the late fee was assessed. The fee would not be waived because I had one waived in the last 12 months.
I just had them cancel my TJX Rewards Platinum Mastercard. My FICO score is 830, so I'm not concerned with the impact on my credit utilization rate. Likewise, I'm not concerned with the meager reward points forfeited on the card.
Do yourself a favor. Use a different card to accumulate points and avoid this one.
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0
0
Kathleen_Welch001 @Kathleen_Welch001
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1 Star Rating
I've had the TJX card for many years. I don't use my card often and never saw the email saying I had a balance due on 1/28/24. Today (02/06/24), I received my new statement which said I owed a late fee of $27, plus an additional tax of $1.50! My original bill/statement was only $39! When I called to ask if they could waive the fee, I explained I just lost my job and didn't see the statement they emailed. I asked if they could please waive the fee, and they said I had one waived almost a year ago and they wouldn't do it again. I still can't believe TJX would assess a $27 fee on a $39 bill and not agree to waive it when I've been an excellent customer over the years. Why would you assess such a ridiculous fee? Shame on TJX Card for not showing your loyal customers any compassion. I will not use my card going forward and will let everyone know how they treat their customers.
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Hawkeye0446 @Hawkeye0446
Synchrony handles this, not tjx
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Sarahjeanfaith @Sarahjeanfaith
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1 Star Rating
Closed my account after paying them off in full ? I was trying to repair my credit and this backfired. So messed up! Will never recommend to anyone and will tell my 21,000 followers to avoid this at all costs!
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3
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Denise Smi @sweetiebuys
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1 Star Rating
A $27 late fee was applied 1 day after it was due. I had just opened the account and completely forgot to pay it. No grace was offered for a 1st time offense. AND I have another TJX account in good standing, which I don't think I've ever been late and have always paid off the full balance.
I paid the balance and told her to cancel the card. Then, I was told that closing the account means forfeiting any rewards I may have. Since those are earned by how much I've spent And I just paid my balance in full, why should those be taken from me? Those should be mine to keep. I didn't have any rewards on my account but that's beside the point.
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2
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Sarafina_elia @Sarafina_elia
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1 Star Rating
I opened this card at a time when I shopped more frequently at TJ Maxx and figured why not get the rewards. They however continually don't send statements and proceed to charge late fees and interest. I just signed up for e-statements to try to avoid this in the future. I've disputed a couple of times but it is exhausting and I don't always have time to argue their slimy practices. I'd cancel my card out of spite but that would also hurt me more than them. I have several other cards that I NEVER have issues with and pay off in full. Literally cannot possibly recommend as they'll charge you in fees whatever rewards you do get.
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2
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christy_e_kiely @christy_e_kiely
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1 Star Rating
Verified Customer
I had this card for years, and as long as they made interest off me, it was fine. Then I was finally able to pay off my balance, and they closed my card without telling me. I assume it’s because they’re not making interest off me any more. This has destroyed my credit utilization on my credit report. Slimy.
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