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, with 5 points for every dollar spent at T.J. Maxx and affiliated retailers.

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 is also a similar card that’s a MasterCard, the TJX Rewards Platinum MasterCard, 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 points for every $1 spent at T.J.Maxx, Marshalls, HomeGoods, and Sierra Trading Post
  • There is no limit to the amount of rewards you can earn
  • 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

  • Earn 5 points for every $1 spent at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post
  • There is no limit to the amount of rewards you can earn
  • $10 rewards certificate: redeem 1,000 points for a $10 rewards certificate
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 26.99% (Variable)
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology None
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR -
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.

Visitor Reviews

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

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Average rating:  
 2 reviews
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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