TJX Rewards Credit Card Benefits, Rewards, and Details

An Overview of the TJX Rewards Credit Card

The TJX Rewards Credit Card is the store credit card offered by T.J.Maxx and its sister stores Marshalls, HomeGoods, and Sierra. This card offers shoppers special discounts and perks when shopping at T.J.Maxx stores. The TJX Rewards program also allows cardholders to earn points on purchases that can be redeemed for reward certificates to use for future shopping trips.

Benefits of the TJX Rewards Credit Card

There are several key benefits to having a TJX Rewards Credit Card:

• Earn 5 points for every $1 spent at T.J.Maxx, Marshalls, HomeGoods, and Sierra stores (in store and online)
• Earn 1 point for every $1 spent on other purchases
• Get a 10% reward certificate to use on future purchases for every 1,000 points earned
• Enjoy 5% off your T.J.Maxx purchases the first day you use your card
• Get early access to Member Mornings sales events
• Receive special cardmember-only coupons and offers
• No annual fee

The opportunity to earn rewards points on all your T.J.Maxx shopping makes this card very appealing for frequent T.J.Maxx shoppers. The Member Mornings early access events also allow cardholders to get the best selection on new arrivals and deals before other shoppers.

How to Apply for the TJX Rewards Credit Card

Applying for the TJX Rewards Credit Card is quick and easy. You have a few different options:

• Apply online at https://www.tjmaxx.com/credit/
• Download the TJX Rewards app and apply through the app
• Stop by the credit desk at any T.J.Maxx, Marshalls, HomeGoods, or Sierra store to fill out an application

To qualify, you'll need to provide some basic personal information and financial details. Approval decisions are usually instant. If approved, you can start using your new TJX Rewards Credit Card immediately in stores or online.

How to Earn and Redeem Rewards

Earning rewards with the TJX Rewards Credit Card is simple. You'll earn:

• 5 points per $1 spent at T.J.Maxx, Marshalls, HomeGoods, and Sierra
• 1 point per $1 on other eligible purchases

Points can be redeemed for reward certificates to save on future purchases. Here is the redemption breakdown:

• 1,000 points = $10 reward certificate
• 2,000 points = $20 reward certificate
• 3,000 points = $30 reward certificate

Reward certificates can be used at any T.J.Maxx, Marshalls, HomeGoods, or Sierra store or online. Certificates have no expiration date, so you can redeem them whenever is most convenient.

Other Important Details

Here are some other noteworthy details about the TJX Rewards Credit Card:

• The APR for purchases is 26.74% variable.
• The APR for cash advances is 27.74% variable.
• There are no foreign transaction fees.
• You're covered with EMV chip card technology and zero fraud liability.
• Free online account management is available.
• You must be at least 18 years old with a valid U.S. mailing address to qualify.

Is the TJX Rewards Credit Card Right for You?

The TJX Rewards Credit Card is best suited for frequent T.J.Maxx shoppers who will maximize the 5 points per $1 earning rate. The rewards certificates and exclusive Member Mornings access also make this card worthwhile for loyal customers.

However, if you rarely shop at T.J.Maxx stores, you may be better off with a general cash back credit card with a flat earning rate on all purchases. You should also consider your spending habits and make sure you can pay off your balance in full each month to avoid interest charges.

Overall, the TJX Rewards Credit Card provides nice perks and can help avid T.J.Maxx fans save even more on their shopping trips. Just be sure to weigh the benefits against your own spending and shopping habits before applying.

FAQs

How do I apply for the TJX Rewards Credit Card?

You can apply online at tjmaxx.com/credit, through the TJX Rewards app, or by visiting the credit desk at any T.J.Maxx, Marshalls, HomeGoods, or Sierra store.

What is the rewards rate for the TJX Rewards Card?

You'll earn 5 points per $1 spent at T.J.Maxx, Marshalls, HomeGoods, and Sierra. All other purchases earn 1 point per $1.

Are there any fees associated with the card?

No, there is no annual fee for the TJX Rewards Credit Card.

How can I redeem my rewards points?

Points can be redeemed for reward certificates to use on future T.J.Maxx, Marshalls, HomeGoods, and Sierra purchases. 1,000 points = $10 certificate.

Do reward certificates expire?

No, reward certificates earned with the TJX Rewards Card do not expire.