Writer: Brittney Mayer
Editor: Lillian Guevara-Castro
Reviewer: Ashley Fricker
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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.
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.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
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! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
- No annual fee.
- No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
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.
- Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
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.
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 Feb 2024
- 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.
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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