TJMaxx Credit Card - Rewards, Benefits and Considerations

An Overview of the TJMaxx Credit Card

The TJMaxx credit card, officially known as the TJX Rewards Credit Card, is a store-branded credit card offered in partnership with Synchrony Bank. It offers TJMaxx customers and shoppers benefits and rewards when using the card for purchases at TJMaxx, Marshalls, HomeGoods, and Sierra stores in the United States.

TJMaxx Credit Card Key Features

Some of the key features of the TJMaxx credit card include:

• 5% rewards - Cardholders earn 5% back on every TJMaxx, Marshalls, HomeGoods and Sierra purchase in rewards certificates
• $10 rewards certificates - Rewards certificates start at just $10
• TJX Rewards Loyalty Program - The card is linked to the TJX Rewards loyalty rewards program
• Special financing - The card offers special financing and discounts on large TJMaxx purchases
• Mobile wallet - Can be used with latest mobile wallet technologies like Apple Pay
• No annual fee - There is no annual fee for being a TJMaxx credit cardholder

Earning and Redeeming Rewards

The TJMaxx card allows cardholders to earn 5% back on every TJMaxx, Marshalls, HomeGoods and Sierra purchase. These rewards come in the form of rewards certificates that can be redeemed for purchases at TJMaxx stores.

The rewards certificates start at $10 increments. Once a shopper earns $10 in rewards, they can redeem a $10 reward certificate towards a future TJMaxx purchase. There is no limit on the amount of rewards that someone can earn.

Rewards certificates expire 60 days from when they are issued. So cardholders generally want to log into their account and redeem any earned certificates before they expire. Certificates can be redeemed online or within TJMaxx iOS and Android apps via mobile barcode.

TJX Rewards Loyalty Program

The TJMaxx credit card is directly linked to the TJX Rewards loyalty rewards program. When shoppers open the credit card it automatically enrolls them into the loyalty program.

The TJX Rewards program confers the following main benefits:

• $10 Reward for every 5,000 points
• Exclusive coupons and bonus reward offers
• First dibs on select sales events when points are redeemed
• Free surprise giveaways
• Earning points for purchases, account anniversaries, and other bonuses

Points earned with the loyalty program offered by the credit card can be combined with points earned from other TJMaxx accounts or offers for maximum rewards.

Special Financing Offers

As a store-branded credit card, the TJMaxx card frequently offers special financing and discounts when cardholders use it for large ticket TJMaxx purchases. These special offers include:

• 0% Intro APR offers
• No interest if paid in full offers
• % back in rewards offers
• Fixed monthly payment options

By taking advantage of these financing offers, major purchases at TJMaxx stores can become more affordable. Offers may vary so it is important to check current promotions before making large purchases on the card.

Mobile Payments and Wallet Support

The TJMaxx credit card is enabled for use on latest mobile payment platforms. Most notably, it works with Apple Pay which allows cardholders to checkout using Apple devices quickly, securely and privately.

To add the TJMaxx credit to Apple Pay, users can:

1. Open the Wallet app
2. Tap the + symbol
3. Enter card details manually or take a photo
4. Follow prompts to verify identity and confirm card

Once added, the cards can be used to checkout with only Touch ID or Face ID while keeping actual card numbers private and secure.

No Annual Fee

There is no annual fee for being a TJMaxx credit card holder which makes it free to earn rewards when shopping at TJMaxx stores. As long as a shopper pays their bill responsibly and on-time each month, there is no cost to access all the benefits of the card.

Pros and Cons of the TJMaxx Store Credit Card

Here is a quick rundown of some of the key pros and cons to weigh when considering applying for the TJMaxx credit card:

Pros

• Lucrative rewards program
• Easy loyalty program enrollment
• Special financing offers
• No annual fee
• Seamless digital/mobile integration

Cons

• Rewards only redeemable at TJMaxx
• Can only be used at TJMaxx company stores
• Synchrony Bank APRs quite high if balance not paid off

Who Should Apply for the TJMaxx Credit Card?

Because of both its rewards structure and general financing terms, the TJMaxx credit card makes the most sense for:

• Frequent TJMaxx shoppers
• Anyone wanting easy access to special financing promotions for big TJMaxx purchases
• Customers wanting a simple, free way to build loyalty rewards
• People who routinely pay balances off each month and avoid interest charges

Infrequent TJMaxx shoppers or anyone not wanting to open a new line of credit may find better options with general cashback credit card products.

The Application Process

Interested customers can apply for the TJMaxx credit either instantly in-store or online. The application asks for basic personal and income details. Asoft credit check will also be conducted to determine approval and initial credit limits.

Applicants can generally expect a decision in under a minute when applying in TJMaxx stores. Online applications are generally very quick as well.

What is Needed When Applying?

• Name
• Address
• Date of Birth
• Social Security Number
• Income Source and Details

Having this information handy when starting the application will help ensure the fastest decision response.

Managing a New TJMaxx Credit Account

If approved, new TJMaxx cardholders will receive their credit card in the mail within 7-10 business days. They can also set up online or mobile app access immediately to manage the new credit card account.

Through the online account portal and mobile app, customers can:

• Check balances
• Make payments
• View statements
• Redeem rewards
• Set up alerts
• Monitor transactions

Cardholders can also contact TJMaxx Rewards Credit Card Customer Service with any questions regarding their new account, credit line, benefits, statement details and more.

Keeping Accounts in Good Standing

To avoid fees and keep accounts open, TJMaxx cardholders simply need to:

• Make minimum monthly payments on time
• Notify Synchrony Bank of any contact changes like address or phone
• Review statements regularly and report any suspicious activity

By properly managing their new TJMaxx credit account responsibly, customers can enjoy lasting access to all the cards available rewards and savings.

FAQs

What is the interest rate on the TJMaxx credit card?

The interest rate on the TJMaxx credit card can range from 22.74% to 27.24% Variable APR, depending on the applicant's creditworthiness. This APR applies to balances carried from month to month and does not apply to any special promotional financing offers.

Are there any fees associated with the TJMaxx credit card?

No, there is no annual fee to have the TJMaxx credit card. Cardholders also do not incur interest charges or fees if monthly statements are paid in full and on time. Late fees and returned payments fees can apply if account terms are not properly followed.

Can I use my TJMaxx credit card rewards certificates at Marshalls or HomeGoods?

Yes. The TJMaxx rewards certificates earned with the credit card can be redeemed at Marshalls, HomeGoods, and Sierra trading post locations in addition to TJ Maxx stores. Anywhere that accepts TJX Rewards can apply earned certificates.

Is there a limit to how many reward certificates I can earn?

No. There is no maximum cap on the amount of rewards certificates someone can earn with the TJMaxx credit card. Cardholders earn 5% back in rewards certificates on all eligible TJX store purchases, every time the card is used with no limits.