TJX Rewards® Credit Card


For People with
Fair Credit

REVIEWS

Reviews

The TJX Rewards® Credit Card may be a good card for you if you shop at T.J. Maxx often and want to maximize your savings potential.

You’ll earn 5% back in rewards every time you shop at T.J. Maxx and its affiliates, which include HomeGoods, Marshalls, and Sierra Trading Post in the U.S. and Puerto Rico.

This basic store card has no annual fee.

Where can I use my TJX Rewards® Credit Card?

This card can only be used at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post. There’s a similar Mastercard, the TJX Rewards® Platinum Mastercard® (Review), which can be used anywhere Mastercard credit cards are accepted.

To see how these two cards compare, check out our Review of the TJX Rewards Credit Card and the TJX Rewards Platinum Mastercard.

Card Quick Facts

Card Quick Facts

  • Earn 5% back in rewards for every dollar spent at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post
  • There is no limit to the amount of rewards you can earn
  • 10% off your first card purchase in-store
  • $10 rewards certificate: redeem 1,000 points for a $10 rewards certificate
  • No annual fee

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 5% back in rewards at:
    • T.J. Maxx
    • Marshalls
    • HomeGoods
    • Sierra Trading Post
  • There is no limit to the amount of rewards you can earn
How to Redeem

Introductory Bonus

  • 10% off the first in-store purchase
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 29.24% Variable
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $35
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Exclusive Shopping Events & Arrival Alerts

    Sign up with your email to be the first to hear when fresh finds arrive and get exclusive access to shopping events.

  • $0 Fraud Liability Guarantee

    Cardholders are not held responsible for unauthorized purchases on this card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 3 reviews
by maggie
don’t bother

1. they only gave me $300 credit amount, my credit score 800. I think they know their stuffs inexpensive.2. the staffs in both Marshals and TJX gave me hard time when I use the 10% coupon but maybe they never trained how to redeem it.3. Terrible customer service from the bank. you will agree when you call them.4. no free shipping for card holders. They should learn from Target.my conclusion - this card is useless.

by Martine
Points not crediting properly

Having a similar problem as Susan. My statement this month shows my point are negative even though I had $277 in purchases and $104 in returns. I should have over 900 points but instead it shows -244. Called twice and spent 1/2 hour on the phone with 2 reps and one supervisor and no one can explain why. Like Susan, they need to "investigate" and said it could take 1-2 billing cycles. Supervisor suggested my payment could have been considered a return?? How could the system not be automated enough to figure out that a payment is not a return. Super disappointed.

by susan ackerman
Awful

They often don't send the rewards certificate. Have to call them, wait 2 billing cycles for them to "investigate". This has happened to me 3 times. Often their system doesn't accept my login information. Have to call again. Synchrony is the worst bank to hold a cc with.

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