TJ Maxx Credit Card Review

TJ Maxx Credit Card Review

If you’re looking for an extra credit card to help you save money through discounts and earn rewards, and you are tired of same day deposit payday loans direct lender, this card is for you. The TJ Max credit card is issued by Synchrony Bank and allows you to earn 5% cash back on almost all purchases at TJX.

However, if you’re not a frequent shopper at TJX stores, it makes sense to consider the regular rewards card. At the same time, we’ll look closely at the pros and cons of the TJX rewards credit card for those loyal to the brand.

Who Is TJ Maxx Credit Card For?

TJ Maxx Credit Card
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TJ Maxx Credit Card
  • Annual Fee$0
  • Regular APR29.99%-32.24% variable
  • Credit Score690-850
  • Loan TermsTill Payday

We have highlighted several criteria that describe people for whom this option would be a great solution. You fit into this category if:

  • You’re looking for discounts and bonuses to spend at stores in the TJX family.
  • You have a good FICO score. 
  • You regularly pay your balance on all credit cards or at least don’t plan to carry your balance on this one.

Overall, this offer is intended for T.J. Maxx loyalists who shop here for all occasions – birthdays, back to school, and other holidays. Unfortunately, for everyone else, this option won’t work because of the not-so-beneficial rewards system and high APR.

Highlights of TJ Maxx Credit Card

This offer has many advantages, which customers praise. We can tell from their reviews that in just one year of active use of the TJX rewards credit card, you can save anywhere from $300. How do you do that? You have to pay with it at online stores and other opportunities.


Every time you pay with your physical card at any store, gas station, or pharmacy, you get 1% cashback. However, if you visit the shops under the TJX brand umbrella, you’ll get as much as 5% cashback.

Plus, you’ll get special offers as a cardholder and invitations to private events.

Overall, this is a pretty good deal for a store credit card. You’ll be able to use the rewards you earn for two years from when they accrue; every 1,000 points will automatically turn into $10 and come to your email.

Welcome Bonus

This variant has a generous bonus that everyone gets when they open an account – 10% off their first purchase at chain stores. You’ll need to make a physical TJX Rewards card payment to take advantage of this coupon.

Also, if you applied for the offer online, you’ll need to print the coupon to use it in offline stores; otherwise, it will only be valid for the website. However, if you applied via phone, you can only use the welcome bonus in-store. 

Annual Fee

Like many such credit cards, TJX Rewards has no monthly or annual fee, which means you can use it for free. So if you’re not sure you’ll be using the card all the time and earn a lot of cashback, you can still open it. The main thing is to pay back all your credits on time so you don’t have to deal with a high APR.

Regular APR

This is one of the drawbacks of this variant because it has one of the highest APRs on the market – 29.24% variable. Of course, all offers of this type come with a high APR, but it usually stays between 25% and 26%, so 29% is a lot. 

Good or Better Credit Required 

You need a FICO score of 620 points or more to get such a card, which is an adequate requirement for credit cards. However, note that sometimes the bank may not approve your application even if you have sufficient credit. For example, this can happen if you have too high a credit utilization rate or negative marks on your report. 

TJ Maxx Credit Card Benefits and Drawbacks 

This variant has several significant advantages:

  • First, it has no monthly or annual fees.
  • Immediately upon registration, all users receive a 10% discount on their first purchase in the store network.
  • It has a significant 5% cashback – not all store credit cards can boast such an offer.
  • The bank does not set limits on rewards, so if you use the offer often, you can earn a lot of cashback.
  • You don’t have to pay a foreign transaction fee if you travel with this card.
  • Your FICO score must be fair or good for the bank to approve your application.

However, it has minuses that you should be aware of before you take advantage of this offer:

  • High APR from the first day of use – more than 29% variable. 
  • No balance transfers are allowed. 
  • Difficult to use the welcome bonus because it may not be valid for online or offline payments, depending on how you processed the card.

Is The TJ Maxx Credit Card Worth It?

This offer will only benefit those who regularly go to TJX stores. In all other cases, it is better to issue a regular rewards credit card, which gives 1% to 5% cashback not for certain stores but for a specific category of goods.

Given that the annual fee of the TJX Rewards credit card is $0, you can apply for it as an additional card and take advantage of its benefits at every opportunity. But remember, you shouldn’t leave a balance on this card to avoid paying a high APR – no amount of cashback will cover that. 

How To Make Your TJ Maxx Credit Card Payment Online

You can make any TJ Maxx credit card payment online using the app or the bank’s website. You can also pay your bill by phone by calling the automated system at 877-890-3150 if you don’t have internet or if it’s more convenient. 

How To Register Your Credit Card Account Online

To register your account and then make any TJ Maxx credit card payment, you need to use the following plan:

  1. Go to  
  2. Enter your credit card account number and billing ZIP code. Then, click “Continue” and wait for the page to refresh.
  3. Next, you’ll need to follow the instructions on your screen and upload any necessary documents, which could be proof of identity, residency, or income level.
  4. Eventually, an email will come to your email address to confirm that this is your address. That will be the end of the registration.

How To Make a Regular Online Payment

Be careful – to make a TJ Maxx credit card payment, you must have a registered account. In addition, you must have your bank account number, credit card account number, and bank routing with you. Then you should take the following steps:

  1. Log into your account on the bank’s website.
  2. Enter your bank account details, namely your User ID and password. 
  3. Then you will see instructions on the screen, telling you how to make a money transfer, what amount you have available, etc.

How To Make an Online Payment Without Logging In

To make a T.J.Maxx credit card payment without creating an account, you can use your card, your Social Security number, and your billing ZIP code. Here’s how to do it:

  1. Go to the bank’s website and click “Pay As Guest.” 
  2. Then enter the details mentioned above and click on “Continue.”
  3. That’s it. You can now make the payment using the instructions on the screen.

Call the TJ Maxx credit card customer service number if you have any problems.

Alternatives of TJ Maxx Credit Card to Consider

TJX Rewards is one of the store rewards credit cards and has many alternatives. Let’s note right away that many of them have the same disadvantages, i.e., high APR and low credit limit, but may be the best options for you.

  • Group One Freedom Card. 

This alternative is suitable for those who don’t have a high enough FICO score because everyone can use it. The bank does not conduct credit checks, has a simple application process, and reports the result within minutes. You can get a maximum limit of $750, but you can only use that money and earn cashback at

  • OpenSky Secured Visa Credit Card. 

This alternative is designed for those who want to build their credit or improve their FICO score. It means that everyone can take advantage of this offer because the bank does not conduct credit checks and approves 85% of applicants. It is also important to note that the bank sends reports to all three credit bureaus.

Note that this is a secured card, meaning your credit limit will equal the deposit you make on the account. After six months of use, you can withdraw the deposit and get considered for a credit line increase.

This offer has the advantage of a low 20% APR and a disadvantage in the form of a $35 annual fee.

  • Citi Double Cash Card. 

This alternative suits those who want cash back on purchases at all stores, not just the TJX chain. It has a $0 annual fee and allows you to earn 2% cash back on every purchase. If you have a higher FICO score, you can apply for this variant, which has a better 5% cash back on restaurants, grocery stores, and more.

  • Blue Cash Preferred® Card from American Express. 

This alternative offers 5% cash back on most families’ spending categories. You can apply for this vatiant if you want to save money on groceries, gas, transit, and streaming services. Plus, unlike many other options, this one will allow you to take advantage of the 0% APR period./p>

  • Kohl’s Card.

This alternative is suitable for those who want to save the maximum amount of money here and now, as it has a massive welcome bonus of 35% discount for the first purchase. It is designed for Kohl’s shoppers and offers a new deal for users each month, but it can not be used outside the chain.

Kohl’s Card has no annual or foreign transaction fees; its APR is 27.49% variable. Besides, if you spend $600 a year with it, you’ll get dozens of great offers for the most dedicated shoppers over the next year.

  • My Best Buy Visa Card.

This alternative will only work for those with an excellent FICO score. For a small annual fee of $59, this variant will give you 5% cash back on Best Buy purchases, 3% on gas stations, 2% on groceries, meal deliveries, and restaurants, and 1% on all other spending. The card’s APR is 12.24% – 29.49% variable. All rewards can be turned into certificates and spent at Best Buy stores.

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Frequently Asked Questions

Your credit line depends on your FICO score. However, based on user reviews, we can say that, on average, they get between $300 and $600 in credit limit immediately after applying for the offer.

You can use it wherever Mastercard is accepted and receive 1 point for every dollar you spend. Remember, however, that you can get the most rewards for purchases at TJX brand stores – 5 points for every dollar spent.

The TJX Rewards card is terrible for those who want to build credit because of its high interest rate. But you can improve your FICO score if you pay back everything you borrow on time and use only a tiny portion of your available credit limit.

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