TJX Rewards Credit Card review |

TJX Rewards® Credit Card review – May 2019

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TJX Rewards® Credit Card

Discounts, cash savings and exclusive deals at T.J.Maxx, Marshalls, HomeGoods and Sierra Trading Post.

  • Get this card if… you’re loyal to the great deals found at T.J.Maxx, Marshalls, HomeGoods or Sierra Trading Post.
  • Pick something else if…you don’t shop at this chain of discount department stores.
Product NameTJX Rewards® Credit Card
Card TypeVisa
Annual FeeSee terms
Purchase APR28.99% variable
Intro Purchase APR


Intro Balance Transfer APR


Interest Free PeriodUp to 23 days
Late Payment Fee$35
Minimum Age18 years of age
RewardsEarn 5 points for each dollar spent with your card at T.J.Maxx, Marshalls, HomeGoods and Sierra Trading Post stores in US and Puerto Rico and online at or
Base Rewards5x points
Rewards Points ExpiryNever

If you’ve ever walked through the door of a T.J.Maxx or Marshalls, you know that it’s a place to find top-notch deals on designer clothing, handbags, housewares and other merch. Add to that list HomeGoods and Sierra Trading Post, and you’ve got a large cult following dedicated to digging up deals both in store and online.

If you’re a fan of this chain of discount retailers, earn rewards for your spending to redeem on the goods you already love with one card: TJX Rewards® Credit Card. This store card gives you 10% off your first purchase, $10 for every $200 you spend and the ability to unlock sweepstakes and giveaways, invitations to exclusive events and new-merch notifications when you register your card online.

Consider the Target REDcard™ Credit Card

  • Get a coupon for $35 off a $70+ qualifying purchase when you are
  • approved for a debit or credit REDcard in-stores and at between
  • 5/19/19–6/15/19. The coupon will be mailed to approved cardholders with
  • their REDcard and will be valid through July 20, 2019
  • $0 annual fee
  • Save 5% on purchases at Target stores and
  • Early access to special events, products and promotions
  • 10% off coupon on your card anniversary
Read less
Read more

The Perks

  • 10% discount on first card purchase. Get a 10% coupon with your new card to use at any T.J.Maxx, Marshalls, HomeGoods or Sierra Trading Post.
  • 5x points. Get a $10 rewards certificate for every 1,000 points earned at any of the four discount stores, with no limits on how much you can earn.

You’ll also like …

  • Access Program. Cardholders save even more by registering online to unlock loyalty benefits that include exclusive discounts, private party invitations and alerts when new shipments arrive off the truck.
  • 0% fraud liability. You aren’t responsible for unauthorized charges made with your card.

What to watch out for

  • High 28.99% variable APR. The TJX Rewards® Credit Card comes with one high rate, which means you’ll want to avoid carrying a balance month to month.
  • Fees for late payments. You face fees of up to $35 for late payments, which you can avoid with autopay.

Compare store credit cards

Name Product Filter values Annual Fee Purchase APR Recommended Minimum Credit Score
24.9% variable
A no-annual-fee credit card and discounts when you shop at Target.
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Get access to purchase items in the Fingerhut store with no overlimit fees.
Get a $500 credit limit to make purchases on the Horizon Outlet website.
Build your credit history with an unsecured line of credit.
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Shop the items you need at with up to a $1,000 credit.
5.75% to 23.99% fixed
Buy now, pay later — low monthly payments make shopping easier
5.75% to 23.99% fixed
Payments starting at just $10 a month.
5.75% to 23.99% fixed
Low monthly payments and fast approval process make it easy to use credit while shopping online at Ashro.
5.75% to 23.99% fixed
Payments as low as $10 a month.
5.75% to 23.99% fixed
Earn higher limits with timely payments.
5.75% to 23.99% fixed
Buy now, pay later with payments as low as $20 a month.
5.75% to 23.99% fixed
Buy now, pay later when shopping online at Ginny's.
5.75% to 23.99% fixed
Decorate now, pay later with monthly payments as low as $20, easy account set-up, no annual fees and zero fraud liability.
5.75% to 23.99% fixed
Low monthly payments and no annual fees.
5.75% to 23.99% fixed
Wear now, pay later.

Compare up to 4 providers

Consider other cards if…

  • You don’t shop at T.J.Maxx stores. The four discount chains have their fans, but if you’re not among them, you’ll want to look into a card that better suits your spending.

What should I know before I apply?

To apply for the TJX Rewards® Credit Card, you must be:

  • At least 18 years old.
  • A US citizen or legal resident.

You’ll need to submit personal and financial information that includes:

  • Your full name and personal contact information.
  • Proof of stable employment.
  • Your date of birth and Social Security number.

How to apply for the card

1. Locate the TJX Rewards® Credit Card online and click Apply Today.

TJX Rewards Access card step 1

2. Complete the application with your personal and contact information. Specify how you’d like to receive payments and verify your identifying details.

TJX Rewards Access card step 2a

TJX Rewards Access card step 2b

TJX Rewards Access card step 2c

3. Choose whether you’d like to register with the optional Card Security, which protects you against unemployment and other financial difficulties for an additional charge based on your balance.

TJX Rewards Access card step 3

4. Carefully read the terms and conditions and confirm that you understand them. Click Accept & Submit.

TJX Rewards Access card step 4

5. Confirm your information and submit your application for approval.

How long will it take to be approved?

Synchrony Bank will review your application and let you know whether you’re approved within a few business days. If you have strong credit, you may be upgraded to a TJX Rewards Platinum Mastercard, which comes with stronger benefits, including rewards points wherever Mastercard is accepted.

I got the card. Now what?

  • Make timely payments. Manage your spending and payments — and unlock special deals and rewards — by registering your card online.
  • Avoid unnecessary interest. At the close of each billing cycle, Synchrony Bank extends a grace period of 23 days to pay your balance without accruing interest.
  • Avoid late fees. To avoid late payment fees of up to $35, consider setting up autopay from your checking account.
  • Customer service. If you have questions, existing cardholders can call 1-877-890-3150 for support.

Bottom line

Discount fashionistas everywhere boast the deals they find at T.J.Maxx, Marshalls, HomeGoods and Sierra Trading Post. If you’re already a fan, this simple store card can save you a percentage off your spending with an “in” on exclusive discounts and more.

Common questions about the TJX Rewards® Credit Card

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6 Responses

  1. Default Gravatar
    CatSeptember 20, 2018

    If I buy something and immediately pay it off, can I go a long period without using it, so long as everything is paid off? So like, maybe a one time monthly shopping trip if I already have the cash ready to pay it off?

    • Avatarfinder Customer Care
      CharisseSeptember 20, 2018Staff

      Hi Cat,

      Thanks for reaching out to finder.

      In order for you to be eligible for TJX rewards program, you need to visit and use your credit card for purchases at T.J.Maxx, and its affiliate stores like Marshalls, HomeGoods, Sierra Trading Post, Homesense at least once every 12 months.

      You can also contact your credit card provider directly to confirm this information.

      Hope this helps.


  2. Default Gravatar
    ShellySeptember 3, 2018

    I just got this card today and it’s the card that I can only use in the store .. which is all I wanted .. does this card report to the credit bureaus ?? If so how often ??

    • Default Gravatar
      joelmarceloSeptember 3, 2018

      Hi Shelly,

      Thanks for leaving a question on finder.

      Yes. This card reports to the credit bureaus. Typically, lenders report both positive & negative information to the credit bureaus once every month. Your credit score can change a bit each month, depending on the information on your credit reports. There are three major credit bureaus in the United States: TransUnion, Experian and Equifax.


  3. Default Gravatar
    DawnAugust 21, 2018

    Does the TJMaxx card offer balance transfer perks?

    • Avatarfinder Customer Care
      AshAugust 22, 2018Staff

      Hello Dawn,

      Thank you for contacting finder.

      TJX Rewards Credit Card does not offer Balance Transfers and it will only be advantageous to those who shop frequently at T.J.Maxx, Marshalls, HomeGoods or Sierra Trading Post. The only perks that the has are 10% discount on first card purchase and earn 5x points for your every spending.

      I hope this helps.

      Let us know if you have additional questions that we may help you with.


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