TJ Maxx Credit Card Rewards and Benefits

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 can be used to make purchases at TJ Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores in the United States. It offers cardholders benefits like earning rewards points, special financing offers, and discounts.

Earning Rewards

The TJ Maxx rewards credit card allows you to earn 5 points for every $1 spent at TJX stores in the US including TJ Maxx, Marshalls, HomeGoods, Sierra, and Homesense. You earn 1 point per $1 spent elsewhere. Each point is worth $.01 so 500 points is equal to $5.

Points can add up quickly if you shop frequently at TJX stores. You can redeem points for reward certificates to use on future TJX purchases. There is no limit on the number of points you can earn.

Special Financing Offers

As a TJ Maxx credit card holder, you will also have access to promotional financing offers on qualifying purchases at TJX stores. These offers can include no interest if paid in full within 6, 12, or 18 months.

Utilizing these financing terms allows you to spread out payments over time on larger purchases. Just be sure to pay the full balance by the end of the promotional period to avoid deferred interest charges.

Exclusive Discounts

Cardholders receive exclusive discounts and offers throughout the year. You may be offered discounts like $10 off a $50 purchase or save 15% on a single apparel item purchase. These can provide additional savings when shopping at TJX stores.

You also have access to cardholder-only store events with special prices. For example, there may be a special one day sale for credit card members with extra discounts on clearance items or categories like apparel or home goods.

Other Benefits and Features

Beyond rewards points and special offers, the TJ Maxx credit card comes with useful features and benefits.

Mobile Wallet Support

The TJX Rewards Credit Card allows you to use mobile wallet payment services like Apple Pay, Google Pay, and Samsung Pay. This enables easy contactless checkout using your smartphone.

Online Account Access

You can register for an online account to view balances, make payments, see available offers, and manage reward certificates. This portal makes it simple to stay on top of your account.

No Annual Fee

Unlike many rewards credit cards, there is no annual fee to have the TJ Maxx credit card. This helps maximize the value of any rewards and benefits received.

Flexible Payment Options

The TJX Rewards Credit Card gives you options like setting up automatic payments or making same as cash payments. You also have multiple channels to make payments including online, by phone, by mail, or in a store.

Eligibility and Applying

If you frequently shop at T.J. Maxx, Marshalls, or HomeGoods, the TJX Rewards Credit Card can be extremely valuable with all its perks. To apply, you will need to meet some eligibility criteria.

Credit Requirements

You will undergo a credit check when applying. Approval depends on your creditworthiness determined by factors like your credit score, income, and current debt level. Good to excellent credit is recommended for approval.

Other Requirements

Besides credit criteria, you must be at least 18 years old and a legal US resident. You'll need to provide personal details like your name, date of birth, Social Security Number, contact info, and income source.

How to Apply

Applying for the TJ Maxx credit card is simple. You can quickly submit an application online or in person at your local store. An instant approval decision is issued so you can start using your card right away.

FAQs

What is the interest rate on the TJ Maxx card?

The interest rate is variable between 24.99% and 29.99% APR. The rate you receive is determined by creditworthiness. There is also deferred interest during promotional financing periods that will retroactively apply if balances are not paid in full by the end of the promo term.

Can I use my TJ Maxx credit card at Marshalls?

Yes, the TJ Maxx credit card can be used at Marshalls, HomeGoods, Sierra, and Homesense which are all part of the TJX family of stores. You earn rewards points and have access to discounts at all these stores with the card.

Is there a TJ Maxx credit card application fee?

No, there is no application fee to apply for the TJ Maxx rewards credit card so you can apply for free. There are also no annual fees with this store credit card.

How do I check my TJ Maxx credit card application status?

You can call 1-800-952-5210 at any time to get an update on your TJX Rewards Credit Card application status. You will either be approved, denied, or asked for additional information from this line.