TJ Maxx Credit Card Rewards and Benefits

An Overview of the TJ Maxx Credit Card

The TJ Maxx credit card, officially known as the TJX Rewards Credit Card, is a store-branded credit card that offers benefits and rewards for shoppers at TJ Maxx, Marshalls, HomeGoods, and Sierra stores. The card is issued by Synchrony Bank in partnership with TJX Companies, the parent company of these retail chains.

Key Features and Benefits

There are several key features and benefits offered by the TJ Maxx credit card:

• Earn 5 points for every $1 spent at TJ Maxx, Marshalls, HomeGoods, and Sierra stores
• Earn 1 point for every $1 spent elsewhere
• 10% off your first in-store purchase when approved for the card
• Exclusive Member Mornings shopping events
• Birthday coupon for $15 off a $75 purchase
• Points can be redeemed for reward certificates at any brand store
• No annual fee

Eligibility and Applying

To be eligible for the TJ Maxx credit card, applicants should have good to excellent credit. You can apply at any TJ Maxx, Marshalls, HomeGoods or Sierra store location, or online. The application process only takes a few minutes.

You will need to provide basic personal information such as:

• Your name
• Address
• Date of birth
• Social Security Number
• Estimated annual income

In some cases, you may need to provide further verification to complete the application process.

Using Your TJ Maxx Credit Card

Once approved, you can use your TJ Maxx credit card at any branded store location just like any other credit card. Simply present your card during checkout and the purchase amount will be charged to your card.

Earning Rewards

One of the biggest benefits of the TJ Maxx credit card is the rewards program:

• Earn 5 points per $1 spent at T.J.Maxx, Marshalls, HomeGoods and Sierra Stores
• Earn 1 point per $1 spent everywhere else your card is accepted

Points can add up quickly with frequent store purchases or everyday spend on the card. You can redeem points for easy-to-use reward certificates good on future purchases.

Special Cardholder Perks

On top of earning rewards, TJ Maxx credit cardholders get to take advantage of exclusive perks like:

• Member Mornings - Early access shopping events held monthly
• $15 off a $75 purchase birthday coupon each year
• First purchase 10% discount when you open your account
• Free shipping on orders placed online or through apps

Managing Your TJ Maxx Credit Card

You can manage your TJ Maxx credit card through online or mobile apps. It's easy to keep track of your balance, view statements, make payments, redeem rewards and more.

Making Payments

As with any credit card, you will have a minimum monthly payment due on your statement balance. Pay at least the minimum on time each month to avoid late fees and interest charges. You have the option to pay online, through the mobile app, by phone, or by mail.

Payment Activity and Statements

Your account activity, balances, statements and other details will be available through your online account or mobile app. You can set up alerts and review recent transactions at any time. Download the app and check your account periodically to stay on top of your spending.

Redeeming Rewards

When you’re ready to redeem TJX Rewards points for certificates, simply log into your account. Pick your reward (options include $10, $25, $50 certificates) and the number of certificates you want. Rewards are issued as eCertificates which can scanned from your phone or printed to use in stores.

Is the TJ Maxx Credit Card Right for You?

The TJ Maxx credit card offers solid rewards and benefits for frequent TJ Maxx shoppers. With no annual fee and exclusive access to special sale events and discounts, it can be a great addition if you regularly shop at TJ Max and related brand stores.

However, it may not make sense for infrequent shoppers since you won’t maximize the 5 points per $1 spending. The 1 point per $1 for other purchases also isn’t the highest for a general rewards card.

Take a close look at your current spending, credit profile and whether you would utilize the TJX Rewards program before applying. But for loyal store fans, the perks can certainly add up over time.

FAQs

What is the interest rate on the TJ Maxx credit card?

The interest rate is a variable APR based on your creditworthiness. Rates generally range from 23.74% to 26.99%.

Can I use my TJ Maxx credit card at Marshalls or HomeGoods?

Yes, the TJ Maxx credit card can be used to earn 5 points per $1 spent at Marshalls, HomeGoods, and Sierra stores in addition to T.J. Maxx stores.

Are there foreign transaction fees with this credit card?

No, there are no foreign transaction fees if you use your TJ Maxx credit card internationally for purchases.

How do I redeem rewards from the TJX Rewards program?

You can log into your account online or via the app to redeem your TJX Rewards points for easy-to-use eCertificates and coupons in denominations ranging from $10 to $50 to save on future purchases.