TJX Rewards Credit Card is one of many store cards supported by Tally. We believe in separating the burden of credit cards from the benefits. With Tally, you can keep using TJX Rewards Credit Card without worrying about high interest rates or late fees. Show
Jump to Click the buttons below to navigate directly to that section Begin Main Content About the cardThe TJX Rewards Credit Card is designed for frequent shoppers of TJ Maxx and its affiliated brands like Marshalls, HomeGoods and Sierra Trading Post. Users receive significant points (5x) for each dollar spent at those stores. Due to the limited nature of the card, though, it should only be considered if you shop regularly at those companies. Like most other store-loyalty credit cards, it comes with a significant APR, and no annual fee. How the TJX Rewards Credit Card worksAfter being accepted for a TJX Rewards Credit Card, shoppers receive 5 points for each dollar spent at TJ Maxx, Marshalls, HomeGoods and Sierra Trading Post. When certain thresholds are met, rewards are paid out in certificates for customers to redeem. Cardholders receive a discount off their first in-store purchase after opening an account. Basically, it makes anyone who has a TJX Rewards Credit Card a VIP shopper for those stores. The drawbacks come in its limited scope and high APR. Benefits and rewardsThe TJX Rewards Credit Card offers new cardholders 10% off their first in-store transaction. While they use the card, they get 5 points for every dollar spent at accepted retailers. Once you reach 1,000 points, you will be issued a certificate worth $10 of in-store credit — breaking down to a 5% discount. You will also be invited to exclusive shopping events and will be tipped off when new inventory is available in the stores. Costs and feesThe APR for purchases made with a TJX Rewards Credit Card falls around 26.99%, which is relatively high. If you are going to use this card, it is important to not carry a balance over from month-to-month, or else you will be paying extra for goods bought from the accepted retailers. Pay my TJX Rewards Credit Card billYou can manage your TJX Rewards Credit Card account onlinethrough their online portal, which is powered by Synchrony Bank. You can also reach them by phone at 1 (800) 952-6133. Additionally, you can add the card to your Tally profile and get some help in managing payments. How Tally can helpTally is the fastest and easiest way to eliminate credit card debt. The TJX Rewards Credit Card offers great savings and benefits, but the high 26.99% APR can wipe out your discounts if you don’t pay your balance in full every month. We give you a Tally line of credit at a lower APR, so you can pay off your balances faster, and we make sure all of the cards you register with Tally are paid on time and in the way that saves you the most money. Start Saving Today! Learn More About These Store CardsFAQsYou can apply for the TJX Rewards Credit Card online. You can use the TJX Rewards Credit Card exclusively at TJ Maxx, Marshalls, HomeGoods and Sierra Trading Post. You can reach TJ Maxx customer service online or by phone at 1 (800) 952-6133. Easily manage your TJX Rewards Credit Card with TallyTally is the fastest way to debt-free, making it easier to save money, manage credit cards and pay down balances faster. Download Tally today for free! Start Saving Today! Overall card rating1.7 from Credit Karma members Most helpful positive reviewMastercard upgradeCredit Karma Member Hey Guys!!! guess what happened to me today?, i logged in to pay my bill today and was greeted to a congratulation message. read into it and i was being offered the to upgrade to the mastercard version.. i hastily accepted.. got it with a $3000CL. wow can you say amazing... not sure if they are gonna close the store card or let me keep it with my already $2100Cl. if not im gonna ask them to consolidated it to my mastercard. that would make it a whopping $5100Cl... i would be the happiest credit rebuilder on earth... Most helpful negative reviewThey closed my account for no reasonCredit Karma Member This was one of the first cards I received when trying to rebuild my credit 4 years ago. Of course I started with a low limit of $300. The only time I used the card was for school shopping and Christmas! I always paid the balance off quickly. After having the card four years, I was late one time by not even 30 days! I then went and paid off the balance! I went to my online account a fee days later to make sure the payment had posted and to my surprise, they closed my account! No phone call, no email, no letter in the mail! I called their customer service and all she could tell me was the account was closed and they had mailed out a letter stating the reason! Here we are a month later and no letter or explanation! Very disappointed with their service! Member ratingsAll member reviews (96)5 stars 12 4 stars 2 3 stars 1 2 stars 8 1 stars 73 Credit Karma Member Denied with an over 800 score what a joke Credit Karma Member I woke up today to an email from credit karma stating tjx had closed my account I haven’t had any prior notices and when I called tjx they said the reason has been sent out to me by mail. What???? Credit Karma Member Do not get this card! I had this card set up on a monthly autopay. This past month, the payment didn’t process correctly and they considered it late. 2 weeks later I get a letter in the mail saying that they have closed my account due to delinquencies. This is this the first late payment and there was absolutely no warning from the company. Costumer service is no help and they clearly do not care about their consumers Credit Karma Member This was one of the first cards I received when trying to rebuild my credit 4 years ago. Of course I started with a low limit of $300. The only time I used the card was for school shopping and Christmas! I always paid the balance off quickly. After having the card four years, I was late one time by not even 30 days! I then went and paid off the balance! I went to my online account a fee days later to make sure the payment had posted and to my surprise, they closed my account! No
phone call, no email, no letter in the mail! I called their customer service and all she could tell me was the account was closed and they had mailed out a letter stating the reason! Here we are a month later and no letter or explanation! Very disappointed with their service! Credit Karma Member I had this card for a few months never missed a payment. I received a notice that my account was dur to missed payments. I called and the representative couldn't tell me why I received the letter because he see all my patments. Credit Karma Member I needed help and when I call their automated service could not answer my question so when I asked for a representative it required that I agreed to pay a $10 fee just to talk to a person about an issue with trying to use the card. Their automated service said it was the fault of the retailer....it did not even involve a retailer. Very poor customer service in my opinion. Credit Karma Member Customer service is horrid. Says the "reason" for account closure was the "bureau" told them to to it. Took a few minutes to get clarification that she was talking about a credit bureau. She kept saying it "wasn't them that did the closure". Nice outsourcing of customer service to an Indian hub that must mananage quite a few companies. Negative stars. Credit Karma Member I didn't put much on this card and always paid it off within a month or two. It was at a zero balance when they decided to close my card after a credit review. The rewards were nice, but I won't seek a new card and they've lost my business. After reading so many similar reviews where they adversely affected people's credit by changing the revolving credit ratio, I just don't like them as a company anymore. If your customers aren't paying the bill, closing the account or changing
the credit limit is warranted. If they are paying the bill, that's just hurting your loyal customers for little or no reason. Not the best business decision. Credit Karma Member I had this mastercard card and tj mmax reward card, never missed a payment and in both separate occasion they lower my credit limit without informing me, now my credit score will be affected like what happened when they lowered my limit with my tjmax reward card. Terrible company! Credit Karma Member First, I'm not sure why they needed to do a hard inquiry, when other store credit cards I've gotten (and even my mortgage) didn't do a hard inquiry. Second, the cashier used the wrong address and there was no step for me to confirm/correct... after waiting a couple weeks and still not receiving in the mail, I called customer service and that's how I learned they had my address wrong, and also a late fee. They were very nice and removed the late fee and let me pay the full
balance over the phone instead of waiting for new card/waived the phone payment fee. But following month I still had interest which I didn't bother disputing because wasn't worth the time. Third, because they messed up my address, to resolve they closed the account and reopened a new one which then hit my credit a few more times as a closed account and new account... just overall very sloppy and definitely not worth it for the small amount of rewards I signed up for. See Approval Odds before you applyWe’ll estimate your chances of approval based on your credit profile. Join today — it’s free! You’ll also get: Sign up
Can I cancel my T.J. Maxx credit card online?How do I cancel my T.J. Maxx/TJX credit card? You can cancel your card by calling 877-890-3150 for the TJX Rewards Platinum card or 800-952-6133 for the TJX Rewards card.
Does T.J. Maxx credit card have annual fee?The annual fee is $0. And, of course, you don't necessarily have to settle for just one card. You could use the TJX Rewards® Platinum Mastercard® on TJX purchases and the Citi® Double Cash Card everywhere else.
Does T.J. Maxx credit card affect credit score?A maximum of two hard inquiries might do a little hurting on your credit score. But multiple credit card applications with some of the affiliated retail stores of TJX might do some damage and can negatively affect your credit score.
How do I freeze my TJX credit card?If your card is lost, stolen or used without your consent, call us immediately at 1-800-952-6133.
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