TJ Maxx Credit Card
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TJ Maxx Credit Card: Are you ready to embark on a shopping adventure that lets you explore the latest trends and rewards you with exclusive perks? The TJ Maxx Credit Card offers an exciting world of possibilities, and in this guide, we’ll take you on a journey to discover the benefits, rewards, and more that come with this fashion-forward credit card.

Whether you’re a seasoned TJ Maxx enthusiast or just dipping your toes into the world of off-price retail therapy, this card can be your key to unlocking extraordinary savings and exceptional deals.

Is the T.J. Maxx Credit Card a Wise Choice?

For those who frequently shop at T.J. Maxx or affiliated stores like HomeGoods, Sierra, or Marshalls, the T.J. Maxx Credit Card might pique your interest.

This card is often advertised in-store and online, leaving you to contemplate whether it offers a worthwhile deal. While shopping rewards are appealing, it’s essential to fully understand this card’s terms and features before applying.

T.J. Maxx offers two credit card options: the Rewards MasterCard (Platinum) for versatile use and the Rewards card exclusively for in-store purchases.

What is the T.J. Maxx Credit Card?

T.J. Maxx is a renowned retailer known for offering discounted clothing and products across the United States, both through its own stores and partner labels.

Among the array of store credit cards available, the T.J. Maxx Credit Card also referred to as the TJX Rewards credit card, stands out as a preferable option. Issued by Synchrony Bank, this MasterCard presents an opportunity to earn rewards.

When you use this card for purchases at T.J.Maxx family stores, you can earn 5% back in rewards. Moreover, upon opening an account with this card, you’ll enjoy a 10% discount on your initial purchase.

There are two variations of the TJX Cards:

  1. TJX Rewards: This card is exclusive to T.J. Maxx and its affiliated stores, devoid of any payment network logos like Mastercard or Visa.
  2. TJ Platinum Mastercard Rewards: Unlike the in-store version, this card is linked to Mastercard, enabling its use not only at T.J.Maxx but at any store accepting Mastercard payments. This flexibility makes it an appealing choice for customers.

How Do T.J. Maxx Cards Function?

The TJX Rewards credit cards operate on a straightforward points system. Each dollar spent at T.J.Maxx, HomeGoods, Marshalls, HomeSense, or Sierra earns you five points.

To initiate the card, you must create an account with T.J. Maxx. Once your card is linked to your account, you’ll earn Rewards Certificates upon reaching purchase milestones. These rewards can be used within 48 hours of the transaction.

When it comes to redeeming your Rewards Certificates, you have two options: automatic redemption during checkout or manual entry of the Certificate’s CSC during your purchase.

As a welcome bonus, upon approval of your application, you’ll receive a 10% discount on your online T.J. Maxx transactions.

Additionally, the card offers further benefits, including access to discounts, exclusive events, and markdowns on select items. You’ll receive notifications for these perks through shopping-specific invitations.

Where Can You Use It?

While you can use the T.J. Maxx credit card anywhere Mastercard is accepted, the most significant rewards are gained by using it at T.J. Maxx branded stores, where you earn more significant rewards.

What Rewards Does the T.J. Maxx Credit Card Provide?

With the TJX Rewards Platinum Mastercard, you enjoy significant discounts and rewards at retailers like T.J. Maxx, Marshall’s, HomeGoods, Sierra, and Homesense.

As a new cardholder, you can benefit from a special offer, providing a 10% discount on your first purchase when approved for the card. This adds a bonus to your shopping experience.

Moreover, the card doesn’t have annual or foreign transaction fees, further enhancing its appeal.

You earn rewards effortlessly while shopping: 5% back in rewards on eligible purchases within TJX stores and 1% back on purchases beyond TJX, except for returned orders, gift cards, and cash advances.

These points accumulate for in-store and online transactions, promising more rewarding shopping experiences.

For every 1,000 points accumulated, you’ll receive a $10 rewards certificate, valid at any of the five TJX brands. Remember that these certificates have a two-year validity period and can be issued in increments of $10 or $20, allowing you to maximize your savings and shopping benefits.

T.J. Maxx Rewards: How to Redeem Them

You can use T.J. Maxx rewards certificates at any T.J. Maxx, HomeGoods, Sierra, or Marshalls. You can apply them like coupons or gift certificates toward your purchase, effectively reducing your out-of-pocket expenses.

Is There a Bonus Offer?

The T.J. Maxx card offers a unique approach compared to traditional bonus offers. Instead of a cash bonus, it offers customers a 10% discount on their initial in-store or online purchases at any TJX store. Although this may seem less substantial than the typical sign-up bonuses of reward credit cards, it can still provide valuable savings.

Pros and Cons of the T.J. Maxx Credit Card

Before applying for any credit card, it’s essential to weigh the pros and cons. Here are the advantages and disadvantages of the T.J. Maxx credit card to consider.

Pros of the TJ Maxx Credit Card

If you’re a dedicated shopper at T.J. Maxx and its affiliate stores, there are several advantages to holding a TJ Maxx Credit Card:

  1. Earn $10 Rewards: You can receive a $10 reward for every $200 you spend at T.J. Maxx and its affiliated stores.
  2. Points for Other Purchases: Even when shopping elsewhere, you can accumulate points, earning a $10 reward for every $1,000 you spend.
  3. Access Exclusive Deals: TJ Maxx credit cardholders gain access to exclusive deals and sales, providing added savings opportunities.
  4. No Expiry for Rewards Points: Your TJ Maxx rewards points never expire, allowing you to collect them over time.
  5. 2-Year Validity: The TJ Maxx certificates have a 2-year validity period, affording you flexibility in using your rewards.
  6. Online and In-Store Use: You can use your reward certificates online and in-store for added convenience.

Cons of the TJ Maxx Credit Card

However, there are some drawbacks to consider:

  1. Limited Welcome Bonus: The welcome bonus can only be used at the store where you applied for the card if you shop online, though it is redeemable at any TJX store in person.
  2. Low Reward Rate: Many other reward credit cards offer a more generous reward rate than 1 point per $1 spent.
  3. High APR: The card carries a high APR compared to other credit cards, making it less suitable for carrying a balance.

Who Should Use the TJ Maxx Credit Card?

The TJ Maxx Credit Card can be a good fit if you’re a dedicated T.J. Maxx shopper who intends to make the most of the rewards. It is an excellent secondary rewards credit card, especially when shopping at T.J. Maxx stores.

However, it’s not recommended as a primary rewards credit card. Numerous other credit cards offer higher rewards for various types of purchases, making them a better choice for everyday spending.

How to Apply for the TJ Maxx Card?

Applying for TJ Maxx cards is a straightforward process and can be done online or in-store at any participating store. Simply express your interest in applying to the cashier, and they will guide you through the application steps.

The application process is quick and typically takes only a few minutes. You can manage your account online, but if you prefer paper statements, you can receive them.

To register your account for the TJX Rewards cards, follow these simple steps:

  1. Visit Synchrony Bank‘s online account registration page for TJX Rewards cards.
  2. Enter your credit card account number and the corresponding billing ZIP code.
  3. Click “Continue” and follow the on-screen instructions to complete the registration.

How to Get Your TJ Maxx Rewards?

Redeeming your TJX Rewards is a straightforward process that provides you with Reward Certificates, which function as vouchers for future purchases. Here’s what you need to know:

  • You can access your Reward Certificates through Synchrony Bank’s online portal or receive statements online, which will deliver your rewards via email.
  • These certificates can be used in-store and online to reduce your total purchase amount during checkout, except for buying gift cards.
  • Any remaining balance on a Reward Certificate remains valid and can be used for future purchases.
  • Remember that Reward Certificates have a two-year expiration period, so make sure to use them in time. However, the points do not expire, which gives occasional shoppers more time to accumulate points.

5 Things You Need To Know About The TJX Rewards Credit Card

Earn 5% Back on T.J. Maxx Purchases

T.J. Maxx proudly offers “5% back in rewards” with the TJX Rewards Credit Card, rewarding you with five points for every dollar spent at T.J. Maxx or any other TJX store.

These points don’t expire and continue accumulating in your account until you reach 1,000 points, at which point a $10 certificate is generated. Essentially, for every $200 spent, you receive $10 back. You can access and print your certificates online, or they will be mailed with your statement within one to two billing cycles. The certificates remain valid for up to two years from the date of issuance.

You can use them online at or in-store at T.J. Maxx, Marshalls, HomeGoods, Sierra Trading Post, and Homesense stores in the U.S. and Puerto Rico.

However, they can’t be used to purchase gift cards, gift certificates, e-gift cards, third-party gift cards, or be exchanged for cash.

Enjoy a 10% Off on Your First Purchase.

A 10% discount is always a pleasant perk when you open a new store credit card. With the TJX Rewards Credit Card, you’ll receive a 10% off coupon for your first purchase once approved.

However, there are some conditions to this sign-up bonus. To redeem the discount, you must use your new TJX Rewards Credit Card for the purchase.

If you apply online and receive a coupon code, it’s only valid on the store website where you applied. Nevertheless, you can print the coupon at any U.S.-based TJX store, including T.J. Maxx, Marshalls, HomeGoods, Sierra Trading Post, or Homesense.

If you apply for the card through a mobile device and get approved, you can only use your 10% coupon in-store.

Exclusive Discounts for Cardholders

One of the appealing perks of having a TJX Rewards Credit Card is access to special discount opportunities, such as exclusive private shopping events. Additionally, when you sign up for the card, you can choose to receive special offers via email.

Relatively High APR

As is common with most retail credit cards, the TJX Rewards Credit Card has a relatively high variable APR. If you don’t intend to pay off your balance every month, the accumulated interest can significantly increase your overall cost, thereby reducing the value of your rewards.

For instance, you’d ultimately be at a loss if you earned a $10 rewards certificate but accrued $20 in interest charges.

Exclusive to T.J. Maxx Stores and Related Brands

A drawback of many store credit cards is their limited usability, often restricted to a single brand. However, T.J. Maxx’s credit card allows you to use the TJX Rewards Credit Card at any TJX family store in the U.S.

That means you can shop at T.J. Maxx, Marshalls, HomeGoods, Sierra Trading Post, or Homesense. While the TJX Rewards Platinum Mastercard is accepted anywhere Mastercard is, using it for purchases outside of the TJX family can result in high-interest rates, and you’ll receive minimal rewards (only one point per dollar spent at non-TJX brands).


The value of the TJ Maxx credit card depends on your shopping preferences. If you frequently shop at TJX stores, it’s a fantastic way to earn money back on your purchases quickly.

However, if you rarely shop there or prefer more versatile rewards, this card may not be the best choice for your primary credit card. While having the TJ Maxx credit card for your TJX store purchases is worthwhile, you may want to consider other credit cards that offer higher rewards for everyday spending.

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