TJ Maxx has been around since 50 years as a crowned head in the American departmental store sector. The name itself reminds us of upbeat ads for clothing and household goods that scrolled across our favourite TV shows. If you live in America, there’s a very good chance of having a TJ Maxx store in your area. It has more than 1000 stores spread across the US, best known for retail of clothing, accessories and other household products.
While the online shopping has hit the department stores worldwide, TJ Maxx has plans to stick around. Like many other stores, these plans include customer loyalty recognition and most importantly the rewards and cashback programmes tied to the custom branded credit cards. That said, if you’re a frequent purchaser at TJ Maxx store, their credit cards extend some unique benefits to its customers. But are the perks enough for you to consider keeping this card in your wallet? We are about to find this out.
In this detailed review we are going to take a serious look into the TJMaxx credit card rewards programme, its benefits, fees, drawbacks and more.
Table Of Contents
TJ Maxx credit card at a glance:
The parent company TJX offers two credit cards to its customers via Synchrony bank. The stores credit card is called the TJ Maxx credit card. It is a closed-loop card, meaning it can only be used for in-store and online purchases made at TJ Maxx and sister companies (Marshalls, sierra trading post and HomeGoods). The other being TJMaxx Platinum MasterCard, which is valid anywhere MasterCard is accepted. You don’t get to choose between them, though. The approval process largely depends on your creditworthiness. While the individuals having good or excellent credit score are eligible for MasterCard, they’ll have to settle for the store credit card if the score is relatively fair.
Due to the fact that those with a average credit score usually get approved for the store card, it has become a more widely issued of the two. They both have
- Zero annual fee.
- Purchase APR of 27.24%
- Recommended credit score: 620 to 850.
The purchase APR varies according to market conditions. There is a minimum interest charge of $2 and late payment fee up to $35.
Also note that if you are utilizing TJ Maxx MasterCard, you’ll see fees attached for cash advances. Generally, this could be at least $10 or 4% of advance amount, whichever is greater. Of course, too, the TJ Maxx Cards have a significantly higher cash advance APR between 23.74% and 29.99%, this means you’ll end up paying a lot of interest if you don’t clear your balance in full each month.
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TJ Maxx credit card benefits & Features:
Maxx cardholders can benefit in three ways by using their TJ Maxx credit card: reward points, special discount and sales. Though the store card can only be used to shop at TJ Maxx, the rewards and savings can pile up if you purchase frequently.
If you’re a TJ Maxx credit cardholder, you earn reward points on all TJ Maxx purchases, every time you shop, at the ratio 5:1 (5 points for 1$ spent). However, this offer is only valid on TJ Maxx and affiliated stores (Marshalls, sierra trading post, HomeGoods). Once the cardholders reach the 1000 point threshold, they can redeem it for a $10 certificate, which roughly sums up to 5% reward rate.
Though the TJMaxx credit card rewards points doesn’t expire, it’s important to know that the certificates are only valid for 2 years from the date of issue. Additionally, you also earn a 1% cashback rate on all purchases outside TJ Maxx using the MasterCard. Both the cards have zero annual fee. The welcome bonus allows new card members to save 10% on their first purchase, this coupon must be used within 30 days after enrolment. You can save $100 on a purchase of $1000, plus the 5000 points you earn from those purchases adds to $50 in rewards. This pales in comparison to some decent cashback cards which offer $100 reward on spends of $500 or more. However, it should be kept in mind that majority of store-branded credit cards have no welcome bonus at all.
Other perks include Special shopping hours and unique buying experiences. Also, making 3 purchases within first 12 months entitles you to receive an invitation for an exclusive TJ Maxx rewards event. In addition, TJ Maxx MasterCard offers price protection, cash advances and identity theft resolution.
With the occasional promotional events you sometimes can receive discounts at the register. Like most of the cases, The TJ Maxx rewards credit card has an APR of 27.24% which is substantially higher than average credit card APR. This APR can result in the interest charges being stupendously high. Hence, it is recommended to pay the remainder as quickly as possible to save money on purchases with this high-interest card.
According to synchrony bank, the financial firm that distributes these cards, an individual needs to have an excellent credit score (620 to 850) to avail the Platinum MasterCard. The bank may consider the applications with fair score for the in-store credit card, which can only be used at TJ Maxx and partner shops.
- 5% reward rate at TJ Maxx and affiliated stores.
- 1% reward on MasterCard elsewhere.
- Global usage.
- No annual fee
- Fair credit score requirements.
- 10% discount as signup reward.
- Higher APR and interest rate.
- Low rewards on purchases outside TJ Maxx stores.
Should you apply?
Overall, having a TJ Maxx credit card makes shopping easier for regular customers of TJ Maxx, HomeGoods, Marshalls and other partner stores. As the interest rates levied are significantly higher, this card is not great if you carry a balance over time. Moreover, the reward rate on non-TJ Maxx purchases is moderate and you’re confined to redeem your rewards only at TJ Maxx. If your credit score is stellar and if you shop at other stores as often as TJ Maxx – or if you’re interested in travel bonuses, you might want to consider choosing alternative credit cards.
TJMaxx credit card login:
Once you receive the credit card, you can manage your credit card account by accessing the synchrony bank online portal. After you make TJMaxx credit card login, you’ll be able to check your TJMaxx credit card rewards, make payments and see other account activity. Now let’s take a look on how to login to TJMaxx credit card account.
- Click on the following link to visit the synchrony bank login portal.
- Once you visit the link of synchrony bank, you will see a TJ Maxx credit card loginTJ MAXX
- Start the login process by entering your username in the first box.
- Next enter your password provided to you in the second box. You can check the box to save your username and password for future logins.
- At the end you finalize the process by clicking on secure login.
- If all the details entered are precise, you will be redirected to your credit card account page from where you can manage your account successfully.
How to make TJ Maxx credit card payment
Funding your credit card with timely payment is necessary to avoid hefty interest charges. At this point of our TJ Maxx credit card review, we will discuss the ways to make the payment. Basically there are two ways:
- Online: You can simply make the payment by accessing your credit card account online. Just follow the above steps to log in to your account and click on the payments section.
- Phone: Paying credit card dues is just a phone call away. You can make your TJMaxx credit card bill payment by giving a call to 1800-952-6133.
- Mail: alternatively, you can also send your payment by mail. To avoid unnecessary late payment charges, you must remember to send your cheques well ahead of due date. You can make your TJMaxx credit card payment by mailing it to following address.
P.O. BOX 530949,
ATLANTA, GA 30353
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Apply for TJ Maxx credit card:
Even if you still don’t have a TJ Maxx credit card, you can submit an online application right away. Before applying, you must ensure that you follow all the necessary eligibility criteria i.e. you must be an American citizen above 18 years of age with a credit score of at least 620. Just go through the below mentioned guidelines on how to apply for TJ Maxx credit card.
- To apply for a TJMaxx credit card, visit the synchrony bank website by clicking on the following button.
- Once done, enter your email address, date of birth, annual income and social security number.
- You can also opt to register for card security benefits which will protects you against financial thefts and other difficulties.
- Once you visit the above link, an application form will be displayed on the synchrony bank website. Now start filling all the required details carefully.
- Now enter your name, communication address and phone number.
- Fill the necessary credit card information and click on continue, after which your application is submitted successfully. You will receive a notification once you’re approved or rejected.
TJ Maxx credit card alternative:
With 5% reward rate, indeed the TJ Maxx credit card is a decent option for customers, especially to the ones who are fan of this retail chain. However, if you feel that this card might not be the right choice for your personal needs, you can consider other alternatives as well.
Citi Double Cash Card:
|Purchase APR||15.74% to 25.74% variable|
|Intro APR||0% on balance transfers|
|Cashback||2% on purchases|
|Cash advance fee||5%|
|Late payment fees||$39|
|Recommended score||690 to 850|
|Benefits||ü 1% back on every dollar spent
ü Additional 1% back for every dollar paid off
ü Unlimited rewards
ü Fee waiver on first late payment
ü Intro APR on balance transfers
ü High reward rate
Chase Freedom credit card:
|Regular APR||17.24% to 25.99%|
|Intro APR||0% on purchases and balance transfers for first 15 months.|
|Recommended credit score||690 to 850|
|Balance transfer fee||3% or $5|
|Benefits||ü No annual fees
ü 5% reward rate
ü 1% cashback on all purchases
ü $150 welcome bonus after you spend $500 within first 3 months
ü Lifetime validity of cash rewards
Q1. What type of TJMaxx credit cards are available?
A1. TJ Maxx offers two credit cards via the synchrony bank – The TJMaxx rewards credit card and TJMaxx platinum MasterCard. However, the enrolment procedure of both cards is similar.
Q2. Who issues TJ Maxx credit card?
A2. One of the largest credit union in united states – The synchrony bank issues TJ Maxx credit card to customers. Besides this, a range of synchrony bank credit cards are available suited for your financial needs.
Q3. What is TJ Maxx credit card customer service phone number?
A3. TJ Maxx rewards platinum MasterCard holders can call 1877-890-3150. TJ Maxx rewards credit card users can call 1800-952-6133. The TJMaxx credit card phone number for tech support is 1844-416-8289.
Q3. Where is TJ Maxx credit card accepted?
A3. The TJ Maxx credit card can be used for in-store and online purchases made at TJ Maxx and sister stores. The MasterCard is can be used everywhere MasterCard is accepted.
Q4. How to activate TJ Maxx credit card?
A4. You can do so by calling toll-free service line at 1800-952-6133.
Q5. What is the eligibility criteria of TJ Maxx card?
A5. To apply for TJ Maxx credit card, an Individual must be an American citizen of at least 18 years age. The credit score needs to be above 620.
For avid TJ Maxx shoppers, this credit card is no brainer. If you don’t shop at TJ Maxx often or you simply keep the balance withhold for a while, this simply isn’t the right card for you.