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TJX Rewards® Credit Card review

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.
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Megan Horner
Last Updated

Up to 5x

Points

28.99%

Purchase APR (variable)

580

Recommended credit score

Details

Annual feeSee terms
Welcome offer10% off first in-store purchase
Rewards5x points at participating T.J.Maxx and related stores
Purchase APR28.99% variable
Balance transfer APRN/A
Minimum Credit Score580
IssuerVisa

Review by

Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.

Expert review

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.

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.

    6. 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.

    Card benefits

  • 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.
  • 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.

Save more at T.J. Maxx

The biggest markdowns at T.J. Maxx historically hit in January and July, when seasonal merchandise gets swapped out. Since this brand doesn’t usually offer much for Black Friday, you might want to hold out until the January sale to spring for a new wardrobe.

No matter what time of year you shop, you can always browse clearance items on the T.J. Maxx website and scoop up a coupon for extra savings.

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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 Comments

    Default Gravatar
    Cat
    September 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?

    Reply
      Avatarfinder Customer Care
      Charisse
      September 20, 2018

      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.

      Cheers,
      Charisse

      Reply
    Default Gravatar
    Shelly
    September 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 ??

    Reply
      Default Gravatar
      joelmarcelo
      September 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.

      Cheers,
      Joel

      Reply
    Default Gravatar
    Dawn
    August 21, 2018

    Does the TJMaxx card offer balance transfer perks?

    Reply
      Default Gravatar
      Ash
      August 22, 2018

      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.

      Cheers,
      Ash

      Reply
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