TJ Maxx Credit Card: Is It Worth It? [Review]

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TJ Maxx Credit Card: Is It Worth It? [Review]

The TJMaxx credit card is not within the best retail stores credit cards. But that also depends on your purchasing habits.

If you are not familiar with TJMaxx, it is a reputable department store chain in the United States. However, if you’re not familiar with TJMaxx, and don’t frequently visit the store, their card will not be beneficial for you.

TJMaxx Credit Card in a Nutshell

If you are a TJMaxx frequent shopper, the TJMaxx Credit Card can give you good savings. With the card, you will be able to save not only at TJMaxx, but also at Marshalls, HomeGoods and Sierra store purchases — but that’s it. For purchases outside of these stores, most consumers will be better off sticking to a cash back credit card with better rewards certificates.

Overall, the card has more negative than positive reviews. While bad reviews do not mean that a is outright horrible, it is a cause for concern for people considering to use it.

So, to understand what exactly to expect from TJX rewards credit card, we’ve put together this blog post.

Let’s get right into this comprehensive review so you can decide whether signing up for one of their cards is worth it or not.

What You Need to Know About TJM Rewards 

TJMaxx credit card’s card issuer is Synchrony Bank, a financial services . With this partnership, Synchrony authorizes both credit and debit transactions on a user’s account.

If you decide to sign up for this card, your card will be linked to your TJ Maxx account information. Therefore, the will be able to access any and every transaction that you carry with their card. This includes the amount spent as well as the purpose of the transaction.

With that information, TJ Maxx awards the cardholder reward points that they can later redeem.

TJ Maxx offers two types of cards:

  1. TJX Rewards® Platinum Mastercard®
  2. TJX Rewards® Credit Card

There are key differences between these two cards.

If you decide to sign up for a TJmaxx credit card, it is essential to understand the differences between both cards — even though you don’t really get the chance to choose the one you want.

What are the Differences Between the two TJMaxx Credit Cards? 

On the surface, the two cards share many perks. For example, both cards, offer reward points for every TJ Maxx purchases. The points earned are equivalent to 5% of their purchase price.

However, there are some differences that you need to be aware of. Here’s a breakdown of what the two cards offer:

TJX Rewards® Platinum Mastercard®

The TJX Rewards® Platinum Mastercard® operates in much the same way as a typical Mastercard. This is because it enables users to get reward points on purchases in any store that accepts Mastercard.

Irrespective of whether you cash out in TJX companies or a restaurant, you are entitled to a percentage back in reward points. However, these rewards are not as good as most people would expect.

The most valuable rewards come at TJX stores. With this card, you will get 5% back in reward points of purchases done. That means that for every dollar spent, you get 5 cents in return.

While at other stores, you get only 1% back in reward points. That works out to just 1 cent back on every dollar spent.

TJX Rewards® Credit Card

The TJX Rewards® Credit Card is an alternative to the TJX Rewards® Platinum Mastercard. It has a lower interest rate, but also fewer rewards.

TJMaxx Credit Card
Image retrieved from:


Just like the TJX Rewards® Platinum Mastercard®, shoppers get a 5% return in reward points on all purchases done in TJX Stores.

However, with this card, customers cannot avail credit card offers for non TJX purchases. This means that you will not get the 1% back in rewards that the other card offers in non-TJMaxx stores.

The only places which accept the TJX Rewards® Credit Card is are TJ Maxx stores and their approved affiliates. These include:

  • TJ Maxx
  • HomeGoods
  • Homesense
  • Sierra
  • Marshalls

Therefore, if you’re not a frequent shopper of these stores, I would not recommend signing up for this card.

Additional Benefits of the TJX Rewards

In addition to the rewards program included in both TJMaxx cards, customers also enjoy a 10% discount on initial purchases.

This means that once you sign up for a rewards credit card, you automatically receive 10% off the total cost of your first purchase. Because this is a one-time discount, you might want to plan it out and sign up for the card when you need to make a big purchase. This way, you will benefit more from this initial reward.

However, keep an eye open for the type of certificate you are given, because they might give you a maximum dollar amount that you can save.

Also, if you sign up for credit card accounts using a mobile device, your voucher can only be reclaimed in physical stores and not for online purchases. However, if you sign up using a desktop or a tablet, there are no restrictions on the outlets where you can redeem this voucher.

TJX Credit Card: APR & Fees

If you do not meet your monthly balance, the will charge you a hefty interest rate.

For TJX Rewards® Platinum Mastercard® holders, the interest rate is at 29.24%, which is higher than regular APR. This is the card that gives you rewards for purchases on other stores besides TJ Maxx.

TJ Maxx’s other card, TJX Rewards® Credit Card, has a lower (but still high APR) interest rate: 27.24%.

Both of these interest charges are extremely high. Therefore, if you don’t know whether you can commit to your monthly payments, bear these rates in mind.

How to Make TJ Maxx Card’s Monthly Payments

A cardholder can make their monthly payments via Synchrony Bank’s online platform.

Although that is the most common method, shoppers can also mail their payments to TJ Maxx stores.

Even though their interest rates are high, shoppers do not have to pay an annual fee for TJX store credit cards.

Consequently, if you clear your monthly balances within the allotted time, you can earn TJX rewards without incurring any card fees.

How To Apply For TJX Rewards

Applying for a TJX credit card is a simple process. You can easily apply online through TJ Maxx’s web portal.

There, you can find a link to their credit card application form.

In order to complete this form, you will need to input some key information such as your:

  • Personal data (full name, email address, date of birth, phone , etc.)
  • Place of residence
  • Social security
  • Annual net income

The system will also prompt you to enter your credit score information.

Based on the details that you input, the will assign you either their Mastercard or their standard rewards card.

At this time, we do not know the exact criteria that TJ Maxx uses to assign their store cards. However, we do know that your credit score plays a huge role.

What is the Minimum Credit Score Necessary to Get a TJMaxx Credit Card?

You need fair credit score to get approved for the TJX credit card. This means that your card will likely be approved if you have a credit score of 620 or above.

And of course, the higher your credit score, the higher the probability that you will be granted a Mastercard.

Our TJMaxx Credit Card Verdict

Owning a TJMaxx credit card has its pluses and its downsides.

If you are someone who makes frequent purchases from TJMaxx stores, you should sign up for the card. That way, you can get returns on the items that you get by way of reward points which you can later redeem.

However, this card should not be your primary credit card. There are other store cards that offer better bargains for purchases done in other stores.

For their Mastercard, TJ Maxx offers only 1% returns on purchases made in all stores where Mastercards are accepted. Many other store cards that give you a better return rate on reward points.

As a result, it would not be wise to use this card for other purchases since you can get a better deal elsewhere.

What’s more, the interest rate on late payments and balances is higher than other store cards.

Therefore, if you miss your payment deadlines, a sizable percentage will be charged on your balance.

For that reason, we have compiled some alternative store cards that you can use in tandem with your TJMaxx credit card.


Apart from the TJMaxx credit card, there are a few other store cards that you can consider getting.

One of them is an Amazon credit card.

Amazon offers four types of store cards that shoppers can access:

  • Prime Rewards Visa Signature Card
  • Rewards Card
  • Prime Store Card
  • Store Card

If your credit score is high enough, you can get their Prime Rewards Visa Signature Card.

Here’s a breakdown of how you earn reward points with this card:

  • 5% return on purchases done on
  • 2% return on payments made at , gas stations, and pharmacies
  • 1% return on purchases done at all other stores

This card trumps TJ Maxx’s MasterCard because you get double the percentage returns at select stores.

Depending on your lifestyle, this can allow you to rack up reward points twice as fast as you would with a TJ Maxx Mastercard.

For example, if you are someone who eats out often, you can use this card to rack up points.

With TJ Maxx credit cards, you can’t.

Therefore, if you have both a TJ MAXX Credit Card and an Amazon Prime Rewards Visa Mastercard, you can get the best of both worlds.

What’s more, you get to make smarter financial decisions. Other stores such as JC PenneyTargetCostco, and Lowe’s also offer similar cards. It is always a good idea to compare rates and benefits before making a final decision.

The Bottom Line

If you’re a habitual shopper at TJ Maxx, you will derive benefit from owning one of their credit cards.

However, it is in your best interest to pair it with another store card.

Even if you have a TJ Maxx Mastercard, the fact remains that you can get a better reward package with another store card like the Amazon Prime Rewards Visa Mastercard.

That way, you maximize your reward earnings in a smart and strategic way.