TJX Rewards Credit Card Perks, Benefits and Application Process

An Overview of the TJX Rewards Credit Card

The TJX Rewards Credit Card is the store credit card offered by TJX Companies, the owners of popular retail chains such as T.J. Maxx, Marshalls, and HomeGoods. This credit card offers cardholders special discounts and perks when shopping at TJX stores. In this article, we'll provide an in-depth look at the key benefits, features, eligibility requirements and application process for the TJX Rewards Credit Card.

Main Benefits of the TJX Rewards Card

There are several main perks that come with the TJX Rewards Credit Card:

• Get 5% reward certificates on every eligible purchase at T.J. Maxx, Marshalls, HomeGoods and Sierra Trading Post stores as well as tjmaxx.com, marshalls.com and sierratradingpost.com websites.
• Reward certificates issued quarterly and never expire
• Earn reward points for every eligible purchase that can be redeemed for reward certificates
• Exclusive cardholder savings events throughout the year
• Easy credit card management with online account access and mobile app

Other TJX Credit Card Benefits

In addition to the main perks, the TJX Rewards Credit Card offers several other benefits:

• No annual fee
• Special cardholder-only Member Mornings shopping events
• Free shipping on online orders of $99+
• Extended return policy giving 90 days for returns
• Secure online and mobile account access to track rewards, make payments and more

Who's Eligible for the TJX Credit Card?

The TJX Rewards Credit Card is available to applicants who meet the following eligibility criteria:

• Must be at least 18 years old
• Valid Social Security Number required
• Must be a resident of the United States or a U.S. territory

Credit approval decision will be based on factors like credit score, income, and other information provided in your application.

How to Apply for the TJX Rewards Card

Applying for the TJX credit card is quick and easy. You can submit an application online or in person at a TJX store location.

To apply online, visit the TJX website and fill out the secure credit card application form. You'll need to provide contact details, Social Security Number, income source and amount. The application process only takes a few minutes.

To apply in a TJX store, simply stop by the customer service desk or credit services counter and ask for a credit card application. Provide the requested info and submit your completed form.

In most cases you will receive an instant credit decision when applying in-store. Online applications may take 1-2 days for decision notification by email or mail.

Managing Your TJX Credit Card Account

If approved for the credit card, you can easily manage your account online or using the mobile app. You're able to:

• Check available rewards points and reward certificates balance
• Redeem rewards certificates
• Make credit card payments
• Set up account alerts
• Get free credit score access
• View statements and transaction history

By creating an online account, cardholders can conveniently access their card information any time from their computer or mobile device.

Get Big Savings with the TJX Rewards Credit Card

For frequent T.J. Maxx, Marshalls and HomeGoods shoppers, the TJX Rewards Credit Card offers money-saving perks and discounts. With reward certificates on every eligible purchase, exclusive shopping events, free shipping rewards, and more, this card maximizes your savings across TJX brands.

If you meet the approval criteria, apply for the TJX credit card today online or at your local store. Enjoy VIP access to members only shopping and cardholder savings!

FAQs

What is the interest rate on the TJX credit card?

The interest rate on the TJX Rewards Credit Card is a variable APR based on your creditworthiness. The APR ranges from 24.24% to 26.24% for purchases and balance transfers.

Are there foreign transaction fees with this credit card?

Yes, the TJX Rewards Credit Card charges a foreign transaction fee of 3% on all purchases made outside the U.S. or made overseas online.

Can the rewards certificates be used for online shopping?

Yes, the reward certificates issued with the TJX credit card can be applied to online purchases at tjmaxx.com, marshalls.com and sierratradingpost.com websites.

How long do I have to make returns with this credit card?

The TJX Rewards Credit Card gives you an extended return window of 90 days from the date of purchase, significantly longer than standard return policies. Any returns beyond 90 days would follow the standard store policies.