TJX Rewards Credit Card - Earn Points and Save on Future Purchases

Overview of the TJX Rewards Credit Card

The TJX rewards credit card is a store card offered by TJX companies, which owns popular retail chains such as TJ Maxx, Marshalls, HomeGoods, Sierra, and Homesense. The card offers benefits and rewards designed specifically for loyal TJX shoppers who frequently make purchases at these stores.

Earning Rewards Points

With the TJX rewards card, you earn 5 points for every $1 spent at TJX stores in the U.S. including in Puerto Rico. You also earn 1 point per $1 at select online retailers. There is no limit to the number of points you can accumulate.

Redeeming Rewards

Once you’ve accumulated at least 100 points, you can redeem them for reward certificates to use for purchases at TJX stores. 100 points equals a $10 rewards certificate. The more you shop with your TJX card, the sooner you can redeem points for certificates.

Benefits of the TJX Rewards Card

There are several key benefits cardmembers enjoy:

TJX Rewards Certificate Bonuses

A few times per year, TJX offers bonuses that enable you to get more rewards certificates for your points. For example, during bonus redemption events, you may be able to get a $10 rewards certificate for just 75 or 85 points instead of the regular 100 points.

Exclusive Cardmember Offers

As a TJX rewards cardmember, you’ll also have access to exclusive sales, discounts, and offers. These special deals range from % off entire purchases to free shipping and more. So you save even more shopping with your TJX credit card.

Birthday Rewards

Cardmembers receive a $10 TJX rewards certificate during their birthday month. It arrives with the monthly billing statement and is redeemable just like certificates you earn from points.

Easy Returns

One of the most convenient perks is the ability to easily make returns without a receipt to get a merchandise credit at any U.S. TJX store. So you can feel confident shopping knowing returns are hassle-free.

How to Earn and Redeem Faster

Wondering how you can earn more points and redeem rewards certificates faster? Here are helpful tips:

Shop Frequently

The #1 way to accumulate points quick is to use your TJX rewards credit card as your primary payment when shopping all TJX stores. Since you earn 5x points per $1 at TJX stores, regular purchases add up fast.

Stack Rewards Certificates

When checking out, you can redeem multiple rewards certificates to lower your purchase total. So stack them up at checkout to maximize savings!

Take Advantage of Bonuses

Be sure not to miss out on bonus redemption events where you can snag certificates with fewer points. Mark the dates on your calendar and save up points to splurge.

Strategies to Save with the TJX Card

Besides earning points through purchases, there are helpful strategies cardholders use to save more money:

Enroll in Paperless Billing

When you opt to receive your monthly statements electronically rather than mailed to your home, you’ll get a reward for reducing paper waste. Expect to earn bonus points or special discounts.

Set Budgets Before Shopping Trips

It’s no secret it’s easy to overspend browsing the aisles at your favorite TJX stores. Set spending limits per shopping trip and stick to your budget.

Price Match Guarantee

If you find the exact same item at the same or lesser price at a local store, bring proof and TJX will match the price. This ensures you get items you love at the best possible price.

Is the TJX Rewards Credit Card Worth It?

For frequent Marshalls, TJ Maxx, Sierra, Homesense and HomeGoods shoppers, the TJX rewards credit card is definitely worthwhile.

You earn generous rewards redeemable for savings certificates on future purchases. Plus you get access to exclusive discounts and savings cardmembers only receive. So if you regularly shop at TJX stores, sign up to maximize savings and rewards!

FAQs

What is the APR for the TJX Rewards Credit Card?

The APR for the TJX Rewards Credit Card is 26.99% variable. The APR will vary based on the Prime Rate.

Is there an annual fee for the TJX credit card?

No, there is no annual fee to have the TJX Rewards Credit Card. It is free to sign-up and use.

Can the TJX rewards card be used outside of TJX stores?

Yes, the TJX Rewards Credit Card can be used to make purchases outside of TJX stores. However, you will only earn bonus points and rewards for purchases made at TJX stores.

Does the TJX credit card offer purchase protection?

No, the TJX Rewards Credit Card does not offer benefits like purchase protection, extended warranties, or return protection. But it does offer easy returns in TJX stores without a receipt.