![T.J. Maxx Credit Card Review ([current_year])](https://www.cardrates.com/images/uploads/2017/10/tjmaxx-cover.png?width=415&height=216 "T.J. Maxx Credit Card Review ([current_year])")
With over four decades of experience providing department store quality at discount prices, T.J. Maxx has become one of the largest clothing retailers in the US, operating more than 1,000 locations nationwide. Its parent company, TJX Companies, also houses other popular retail brands, including Marshalls, HomeGoods, and Sierra Trading Post.
Deserving of the department-store moniker, T.J. Maxx's selection of products cover the gamut of goods, selling everything from apparel and shoes to furniture and kitchen utensils. The TJX Rewards Credit Card is designed for shoppers who want to take their savings to the max, and the card allows users to earn rewards on every purchase at T.J. Maxx, as well as at the rest of the TJX family of brands — just watch out for the high interest rate.
T.J. Maxx Card Overall Rating: 2.5/5.0
In the wide world of store cards, you can expect to see fairly high interest rates, but the TJX Rewards Credit Card takes it a little too far, charging a massive 27.99% APR for new purchases. With an APR that high, you'll definitely want to avoid carrying a balance on your card — and paying it late, as you'll be charged $35 for late payments. Don't look for any deals here, either; the TJX Rewards Credit Card doesn't come with any special financing offers.
What it does come with is a decent earning rate for rewards. Cardholders earn five rewards points per every $1 in purchases made on their card at any T.J. Maxx, Marshalls, HomeGoods, or Sierra Trading Post location in the US or Puerto Rico. Cardholders can also earn 5X points per $1 spent when shopping online at tjmaxx.com or sierratradingpost.com. A $10 Rewards certificate will be issued for every 1,000 points you earn.
T.J. Maxx Credit Card
- APR: 27.99% as of Jul 2019
- Annual Fee: $0
- Rewards: Earn 5X per $1 on T.J. Maxx purchases
All in all, the card's rewards-earning rate equates to a 5% savings on branded purchases, so the TJX Rewards card can be a good way to save when you spend enough. Keep in mind that while the rewards points you earn with your TJX Rewards Credit Card will never expire, your Rewards certificates do — be sure to redeem your rewards at any TJX-branded location in the US or Puerto Rico within two years after the issue date.
Perhaps the perk that entices the most shoppers to signup for the TJX Rewards Credit Card is the initial bonus. New cardholders can save 10% off their first online or in-store purchase after opening a new credit account. If you know you'll be making a large T.J. Maxx (or sister-brand) purchase, that 10% can save you a bundle. At the same time, the discount is only good on a single purchase, so if you intend to buy a variety of little items, consider consolidating them into one order.
Approval Requirements & Application
The TJX Rewards Credit Card typically approves applicants with fair credit or better, which means credit scores around 620 or higher. You can apply for a new card at any TJX-branded location, including your local T.J. Maxx. You can also head online to apply using the link below.
Better Cards to Use at T.J. Maxx
If the T.J. Maxx winter line makes you warm inside, you may just love a TJX Rewards Credit Card — particularly if you don't intend to carry a balance. Ever. If you're maxed out on the T.J. Maxx experience in a single trip, however, you may want to steer clear of the store card and cozy up to a more versatile cash back or travel rewards card, instead. Or, if you want to shop without being charged two-arms-and-a-leg's worth of interest, then a killer introductory 0% APR deal will be "the perfect fit."
Cash Back
While your TJX Rewards Credit Card may earn rewards equivalent to 5% back when you shop in TJX-branded locations, wouldn't it be nice to earn 5% on other things, too? Well, there's a cash back card for that, with 5% cash back in rotating categories that also include things like gas and groceries, depending on the quarter. Other top picks on our cash back list also provide 1% or more on every purchase, everywhere to really maximize your rewards.
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.24% - 27.99%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% Intro APR on Purchases 15 months
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0% Intro APR on Balance Transfers 15 months
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19.24% - 27.99% Variable
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$0
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Good/Excellent
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0% APR
Offering aisle upon aisle of buttoned blouses, cute knick-knacks, and styled shower curtains, it can be easy to get carried away in a T.J. Maxx or HomeGoods store, but the 27.99% APR charged by the little piece of store-branded plastic in your pocket makes that a bad idea. Choose a credit card with an introductory 0% APR offer to avoid paying hefty finance fees for all of your purchases — including that darling dog dish Dino just had to have. Our favorites will give you interest-free financing for 12 months or more anywhere your card is accepted.
- New longer intro period! 0% Introductory APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- Access your FICO® Score for free within Online Banking or your Mobile Banking app.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% Intro APR for 21 billing cycles for purchases
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0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days
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16.24% - 26.24% Variable APR on purchases and balance transfers
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$0
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Excellent/Good
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Additional Disclosure: Bank of America is a CardRates advertiser.
Travel Rewards
Wouldn't it be nice if, while shopping for the latest threads, you could be earning rewards toward a trip somewhere you can actually show them off? That's the glory of a great travel rewards card. You can earn points or miles on every purchase — even T.J. Maxx and friends — that can then be redeemed to cover airline tickets, hotel stays, and other travel-related expenses. For the most flexibility, choose a travel rewards program without brand restrictions or blackout dates.
- UNLIMITED BONUS: Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee.
- Redeem Miles to pay any part of your monthly bill, including your minimum payment.
- Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
- 0% intro APR for 15 months on purchases. Then 16.24% to 27.24% Standard Variable Purchase APR will apply.
- Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% Intro APR for 15 months
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0% Intro APR for 15 months
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16.24% - 27.24% Variable APR
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$0
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Excellent/Good
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For the few shoppers who really max out their T.J. Maxx rewards, the TJX Rewards Credit Card can offer consistent savings of 5% of your branded purchases. If you'd rather earn rewards everywhere, on everything, or simply enjoy interest-free financing, then you'll have to look at other options.
What Others Say About the T.J. Maxx Credit Card
After scouring the internet, the gangs all here — and they all agree that the TJX Rewards Credit Card has a horrible interest rate. Check out these other reviews to see what else the gang is gabbing about when it comes to shopping with the TJX Rewards Credit Card.
The TJX Credit Cards are decent credit cards for those who frequently shop at TJ Maxx, Marshalls, HomeGoods, and Sierra Trading Post stores. You won’t be able to earn the same amount of rewards at these stores the entire year with any other credit card. If you typically shop at these stores on a regular basis, you can earn a significant amount of rewards that you can, in turn, use on your future purchases. Plus, if your first purchase is large enough to benefit from the 10% discount and you’ve had any credit problems in the past, your best bet might be the TJ Maxx store card. However, if you only shop at these stores once in a while, and you can qualify for one of the other rewards credit cards on the market, neither of the TJ Maxx credit cards is especially ideal. — MyBankTracker.com
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For shopping at TJX-branded stores, the rewards are quite respectable. However, the interest rate is insanely high. The takeaway should be to pay your balance in full each month with this card. Also, remember you are earning rewards specifically to use at TJX. So think about how frequently you shop there. If you think your rewards will languish, consider getting a more general-purpose rewards card that earns rewards everywhere — and allows you to redeem for straight-up cash back. — CreditCardForum.com
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I have had my TJX Reward card for some time and it is a double-edged sword of sorts. I do like the fact that for every dollar that I spend I get 5 points, however the interest rates are rather high. The card does come in handy when I don't feel like transferring money but want to do a little shopping. I also heavily use the card during the holidays. One good thing is that the more you spend, the more you get, the company will send you coupons in the mail to get ten or twenty percent off of your entire purchase, and you can get certain percentages off of purchases. This comes in really handy on clearance items because you are already saving, but you really get to save with the coupons. — WalletHub.com
”Is the T.J. Maxx Card Right for You?
Standing in line with your arms full of discounted designer duds, it can be tempting to give into the cashier's casual offer of a TJX Rewards Credit Card — but pause before you apply. Unless you're a regular at your local T.J. Maxx, or other TJX-branded locations, then this card may not be worth the space in your wallet (let alone the hard credit inquiry). Instead, look for a credit card that will offer perks and rewards you'll use more frequently, such as cash back rewards, rather than rewards points good only on high-heeled pumps and houndstooth pillows.
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