TjMaxx Credit card – Learn How to Apply

Also known as the TJX Reward Credit Card, this is the go-to card for people who often shop at TjMaxx, Marshalls, Home Goods, and Sierra Trading Post. This card offers generous discount points.

It is similar to a loyalty card, and it has a limited nature since you can only use it at the affiliated retailers. It also offers a 10% discount in the store for the first purchase.

For each dollar spent, you get 5 points that will start to add up, and for every 1000 points, you get a 5% discount. Let’s find out more about the TjMaxx credit card!

TjMaxx Credit card

Fees and Interest

This card does not have an annual fee, but, like many other store cards, it has a relatively high APR of 29.24% that can fluctuate. It is a credit card, but you cannot transfer money or, in this case, points, since it is a shopping card.

There are also no APR penalties, returned payment fees or foreign transaction fees. The late payment fee can be as high as $35.

The cash advance APR goes up to 29.99% and the fee for a cash advance is 4% or a minimum of $10. The cash advance, as in borrowing money with your credit card, should be avoided if possible because it can incur high costs.

Also, it is very important not to carry a balance since this will only make you pay more for the goods bought from the affiliated stores. To avoid it, make sure you pay attention and manage your credit card well.

Overall, the TjMaxx credit card offers similar interest and fees as any other loyalty card. This means that you need to budget your finances well in order to reap all the benefits.

How to Apply

Since this is a limited shopping card, anyone with a low credit score can be eligible to get it. The application can quickly be made on the Tj Maxx website, and it is relatively easy to do so.

All you need for the initial request is your SSN’s last four digits(social security number) and your phone number. After providing this information to the carrier, a request will be issued for you and expedited.

You will be getting a code via text on your mobile phone and will direct you through the next steps of your application. In order to apply for this credit card, make sure you have your personal information on hand.

Bank Contact Details

Synchrony is a financial consumer services company with the main office in Stamford, Connecticut, 777 Long Ridge, Rd.

They can be contacted on the phone number written on the back of the card or the phone number they provide for their customers, which is 877-295-2080.

You can also contact them directly on their website.

Features and Benefits

This card is a good option for people who already shop a lot at TJ Maxx, Marshalls, Home Goods, or Sierra Trade Centre and will continue to do so. This card will initially offer a 10% discount on the first-ever purchase done in the store.

After that, for each dollar spent, the card owner will accumulate points. The card offers 5 points for each dollar. For every thousand points, a certificate will be written, and you will get $10 that can be used in the affiliated stores.

Also, whenever something new is brought to the stores, you will be notified immediately via your email address. Another perk is that, besides the APR, late fee, and cash advance fees, no other fees are being charged.

You will also be invited to exclusive shopping events.

If you would like to find out more about another great option, the Ollo credit card, take a look here.

TjMaxx shopping credit card


If you love shopping at TJ Maxx, Sierra Trade Centre, Marshalls, and Home Goods, this card will make you a VIP customer.

You will have access to additional discounts, exclusive new arrivals notifications, and a lot of other perks that will benefit the cardholder. The TJMaxx Credit Card is a great addition to any card list, and it is easy to obtain and use.

It is definitely worth it if you are a fan of the aforementioned brands!

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.

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