It’s understandable that so many merchants promote their own marked credit cards. Simply put, a store card, with its high fees and reasonable net payment alternatives, allows the corporation to profit from some significant penalties and fines.
However, despite all of the benefits that both cardholders and enterprises receive, there are some drawbacks. But why do individuals continue to apply for cards like this? It’s frequently the prospect of earning rebates at a business where they purchase regularly.
In this article, we’ll talk about the TJ Maxx credit card, also known as the TJX Rewards credit card. You’ll discover what it is, what it does, how to use it, and other facts that will help you make an informed decision. Continue reading for more information.
- About the TJX Credit Card
- Benefits of Using TJX Reward Credit Card
- Frequently Asked Questions
- TJX Reward Credit Card Fees
- TJX Reward Credit Card Eligibility
- How to Apply for a TJX Reward Credit Card
- TJX Rewards Credit Card Contact Information
About the TJX Credit Card
T.J. Maxx, one of the largest retail, clothes, and home stores in the United States. The business takes pride in providing customers with high-quality, branded merchandise for 20% to 60% less than they would pay at other major shops.
A TJX Rewards credit card is a wonderful alternative for you if you often shop at Marshalls, HomeGoods, TJ Maxx, and Sierra locations.
The TJX Rewards credit card is a personal credit card that can be obtained and used as a supplementary card. Use it only when shopping at TJ Maxx locations, and save your other credit cards for routine purchases.
For every dollar invested at certain shops, cardholders get big points (5x). However, because of the card’s limitations, it should only be explored if you purchase at certain businesses on a frequent basis. It has a high APR and no extra charge, much like most other store-loyalty credit cards.
Hard Query and Your Credit Score
Applying for the TJX Rewards credit card will lower your average age of credit and raise the number of hard queries on your account.
You must be informed of this if you plan to apply for another credit card within the following six to twelve months.
Benefits of Using TJX Reward Credit Card
The TJX Rewards card allows you to earn 5 points for every $1 spent at T.J.Maxx, HomeGoods, and other partner shops in the United States or eligible e-commerce websites under these companies, and 1 point for every $1 spent elsewhere.
You may convert 1,000 points for a $10 incentives voucher that you may use at any of the card’s connected companies. Because the voucher cannot be redeemed for cash, this card is not a real cashback credit card.
Your reward card will also expire two years after it is granted, so ensure you spend your rewards only when you’re fully prepared to, or you risk squandering them.
The TJX Rewards credit card provides consumers 10% off their first online or in-store transaction instead of a standard credit card incentive. It is little when compared to other payment card perks.
Most of the other greatest reward credit cards, for instance, often reimburse you with $150 to $200 if you expend $500 to $1,000 on your card within the first 3 months of participation. You’d only get $50 off your first in-store transaction, even if it was $500.
Frequently Asked Questions
One of the possible things you might want to know is how to check the balance using TJX Rewards credit card. By entering into your MyCreditCard profile, you may check the amount on your TJX Rewards credit card.
To create a new profile if you haven’t already done so, you’ll need your credit card number and mailing zip code.
Regarding how to pay credit card bills, you can do this by enrolling in your account at MyCreditCard.com, you may pay your TJX Rewards credit card bill electronically. You can also decide to get your invoices online.
Use in Marshalls and HomeGoods
T.J. Maxx and affiliated businesses like Marshalls and HomeGoods also accept your TJX Rewards credit card as a store card.
TJX Rewards may be used to purchase things online and anywhere else that accepts Mastercard if you apply.
You may even link it to online shops and get rewards for the same transactions on two other networks.
TJX Reward Credit Card Fees
When applying for a credit card, it is important to be aware of the fees and interest charged. The variable APR on the TJX Rewards credit card is 26.99%. This is over 10% more than the typical credit card interest rate.
If you’re considering using this card to carry credit, you should think about not only the APR but also the other fees and charges you’ll have to pay. Here are some of the fees, but it is not a comprehensive list. Check the terms and conditions of the card to learn more.
- Annual Fee – $0
- Variable Purchase APR – 26.99%
- Cash Advance APR – 29.99%
- Cash Advance Transaction Fee – $10 or 4% of every cash advance amount
- Late Fee – $35
- Foreign Transaction Fee – $0
TJX Reward Credit Card Eligibility
Individuals interested in applying for the TJX Reward credit card do not need to meet any requirements laid forth by the firm. However, it’s always ideal to make sure you have a strong credit score of around 690 to qualify for this and other reward cards.
TJX Rewards Card, on the other hand, is perfect for individuals who spend a lot of money at T.J. Maxx or its affiliated companies, and those who are loyal customers.
If you can maintain a careful check on your cashback, take advantage of any seasonal discounts, and pay off your debt each month, you might be able to gain some great value from this card.
Furthermore, there is no international payment option with the TJX Reward credit card. So, if you’re planning a trip overseas and don’t have the time or ability to register a new credit card, you may utilize your TTJX Reward credit card to avoid paying expensive fees.
How to Apply for a TJX Reward Credit Card
At any T.J. Maxx shop, you may register for a TJX Rewards credit card. You will be guided through the application process by a customer support professional, and it will be completed right away. You may also apply online on the T.J. Maxx website.
You’ll need to submit your name, location, contact information, email, Social Security number, and yearly income for each registration. You can’t apply for a card over the phone, however. Some candidates will be accepted right away after a credit check.
Many applications, however, may require additional scrutiny, culminating in a 7 to 10 day wait time. Applicants should also be aware that they must be at least 18 years of age to apply. TJX cards may get a 10% discount on their first in-store or online shopping.
You may handle your credit card account remotely once you’ve been accepted. Monthly reports will be sent to you in print or electronically. You have the option of paying your bill online, via mail, or over the phone. T.J. Maxx does not accept payments in-store.
Alternatives for TJX Reward Credit Card
TJX Rewards credit card has several valuable benefits but to get more value for your money, you might want to consider a daily rewards program. These cards provide extra spending flexibility and the opportunity to earn cashback benefits. The Blue Cash Everyday card is first on the list.
The card’s main advantage is the multiple incentive options it provides. Card users will get 3% to 6% on items purchased at a grocery and petrol station. Certain online memberships, and public transportation, in addition to the 1% cashback on all other transactions.
The Chase Freedom Flex card offers 5% off Lyft rides, 5% off rotating quarterly categories, up to $1,500 in spending and travel bought through the Chase Ultimate Rewards site, 3% off eateries, and 1% off everything else.
TJX Rewards Credit Card Contact Information
To find out more about the TJX Rewards credit card, it is advisable to contact the bank directly. Synchrony Bank, the bank issuer of TJX Rewards credit card, can be contacted using the following details.
Their mailing address is P.O. Box 530948, Atlanta, GA 30353. You can also reach out to TJ Maxx customer service via 1 (800) 952-6133 or 1-866-419-4096.
TJX Rewards credit card may help you save a considerable amount of money at T.J.Maxx and other partners. You’ll also get a few remarkable customer perks. To prevent accumulating interest charges, you’ll want to pay off your owing amount each month.
Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.