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.
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You may convert 1,000 points for a $10 incentives voucher that you may use at any of the cards 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 youre fully prepared to, or you risk squandering them.
How To Manually Apply Rewards Certificates At Checkout
With the new digital Rewards Certificates feature you no longer need to manually upload your Rewards Certificates at checkout on tjmaxx.com or marshalls.com.
However, if you are not ready to link your card you can continue to manually apply your Rewards Certificates at checkout in the Rewards Certificates and Gift Cards section. Simply hand-keying in the number and CSC of the Rewards Certificates you wish to redeem.
How To Check Your Credit Card Application Status
Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Applying for a new credit card can be exciting. Theres the prospect of rewards, bonuses, intro 0% APR periods and other perks that make card membership favorable.
Many credit card applications brag about fast decisions, sometimes in as little as 30 seconds, but thats not always the case. No two applicants are the same, so one may receive an instant decision while another may have to wait several days.
If youve applied for a credit card but received a notice saying your application is under further review or pending, it can be frustrating. No one wants to hit a bump in the road when they need extended buying power or want to take advantage of an introductory interest-free financing period to buy high-cost items.
Well explain why you may not receive instant approval on a credit card application and provide steps you can take that may speed up the process.
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Bottom Line: Is A Tjx Rewards Credit Card Right For You
If youre a regular shopper at the TJX family of stores, it could be worth taking a look at each of the TJX Rewards® cards. Both cards allow you to earn five points for every $1 you spend at a TJX store every day of the year a rarity in the world of rewards cards. But its important to remember that your rewards cant be converted into cash. So if you dont visit the TJX stores often, you may find yourself sitting on unused rewards or unredeemed points.
Plus, while the TJX Rewards® Platinum Mastercard® does let you earn points for non-TJX purchases, the one-point-per-$1 rewards rate isnt the best out there. So if your aim is to maximize your overall rewards, we recommend you consider one of our favorite cash back rewards cards .
Finally, theres no getting around the massive APR thats attached to both TJX Rewards® cards. If you do choose to carry a TJX Rewards® card, make sure youre prepared to pay your balance in full and on time every month to avoid costly interest fees. Otherwise, you may find that the sky-high interest rate quickly surpasses your rewards .
Earning Rewards From Tj Maxx Purchases
If youre looking for ways to earn rewards from purchases at tjmaxx.com, either card will provide value.
Any purchases you make at TJ Maxx, Marshalls, HomeGoods, and Sierra Trading Post will earn 5 points for each dollar spent.
However, the MasterCard version of the credit card also awards 1 point for every dollar you spend on all other purchases. You can then redeem 1,000 points for a $10 rewards certificate.
What Happens If Your Tj Maxx Credit Card Payment Is Late
If you miss your payment due date, you can still pay your payment by one of the available methods. Your payment is due by 5 p.m. EST on the due date printed on your account statement, or a late fee of $25 will apply. The fee increases to $35 if youre late more than once in a six-month period.
This article has been updated with additional reporting since its original publication.
Information is accurate as of Dec. 7, 2021.
This content is not provided by Synchrony Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Synchrony Bank.
Tjx Rewards Platinum Mastercard* Vs Capital One Quicksilverone Cash Rewards Credit Card
Available to those with an average credit score, the QuicksilverOne credit card offers 1.5% back on every purchase. While this card has a $39 annual fee, it offers more flexibility for redeeming rewards. You can redeem your cash back at any time and in any amount. Also your rewards never expire, unlike the 2 year expiration window on the TJX Rewards.
Based on the household spending above, if all purchases were charged to the QuicksilverOne card you could earn $396.15 in cash back each year. This card also offers travel accident insurance, auto rental collision damage waiver and no foreign transaction fees. If you plan to charge flights and rental cars on this card, it is a wise option to consider.
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High Interest Rates On A Tj Maxx Card
Like most store cards, the TJ Maxx credit card comes with a high interest rate. Using the card wisely can help establish credit history and prevent the likelihood of having to pay an astronomical final price.
To understand how card management affects the bottom line, consider how Rebecca and Ellen handled their account balances.
Ellen charged $500 on her TJ Maxx credit card, and she only made the minimum monthly payments. It took her 27 months to pay the card off, at a cost of $174 in interest charges.
Rebecca charged the same amount on her credit card, but she made a monthly payment of $100. It took her just six months to pay it off. She paid $37 in interest charges.
Pay off the balance as quickly as possible to save a significant amount of money on items purchased with a high-interest credit card. To compensate for the high APR, pay the TJ Maxx credit card bill in full whenever possible.
Ways To Make A Tjx Store Card Payment
- Online: Log in to your online account, select the Summary tab, and click on Make a Payment. You can also make a payment without logging on the TJX Store Card dedicated web page. To set up automatic payments, you will have to log in to your online account, though.
- : Call and enter your card information when prompted, then follow the automated prompts to make a payment. Please note that using the automated system is free, but paying through a live agent may involve a fee.
- : Send a check or money order to:TJX Rewards Credit CardP.O. Box 530948Atlanta, GA 3053-0948Make sure to mail your payment early enough that it will arrive by the due date. Write your credit card number on the check, too.
You need fair credit to get approved for the TJX credit card, which means a credit score of 620 or above. Your credit score wont be the only factor taken into account, however, so this is only a guideline.
With that being said, youre right to consider a store credit card in this instance because they typically have more lenient approval requirements than general-purpose credit cards. The Kohls Store Card is another offer worth looking into, as it provides a 20% discount on your first purchase after account approval with no cap on how much you save.
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Tjmaxx Credit Card Login
You have TJMaxx Credit Card. Then, you can login to Synchrony Banking system. It will allow you to make payment to your credit, check your card balance and rewards. You need to log in to the TjMaxx credit card account.
To login to your TJ Maxx credit card to pay bills, first open Synchrony Bank website.
Now, on Synchrony Bank page, you could see TJ Maxx Secure Login.
You are required to enter your User ID and password related to Tj max credit card account.
Once you fill-up the login detail in the field. You could press on Secure Login to access your TjMaxx credit card account.
Note: If you are a new TJ Maxx credit cardholder, you might need to create an online access account under Synchrony Bank. If you face any issue creating a new TJ Maxx credit card account, this guide will help you to understand.
Forgot Your Tj Maxx Credit Card Password
If you have forgotten your TJ Maxx Credit Card User ID or Password you do not need to worry, you can lookup your User ID and Reset your password from the TJ Maxx Credit Card Website.
- Step 1 : When you are on the Login Page of the TJ Maxx Credit Card Account, click on Lookup User ID
TJ Maxx Credit Card Forgot User ID and Password
- Step 2 : Enter your Account Number and the Last 4 Digits of your Social Security Number and click Next.
- Step 3 : You will be able to see your User ID, then you may click on Forgot Password link and follow the procedures on screen to reset the password.
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Common Questions About The Tjx Rewards Credit Card
Where can I use my TJX Rewards card?
If youre approved for the TJX Rewards® Credit Card, you can use it online or at any T.J.Maxx, Marshalls, HomeGoods or Sierra Trading Post.
What is Sierra Trading Post?
Part of the TJX family, Sierra can get you great value on big-name sports and outdoors gear and clothing, including duds for your pup or cat.
What is the TJX Rewards Access program?
TJX Rewards® Credit Card is part of the free TJX Rewards program. You can begin accruing benefits when you shop at any store in the T.J.Maxx family using your TJX Rewards® Credit Card.
Tj Maxx Credit Card Review: Great For Shoppers But Lacking Elsewhere
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If you’re a fashionista on a budget , the T.J. Maxx credit cards might have piqued your interest. There are two of them — the TJX Rewards® Platinum Mastercard® that can be used anywhere, and the TJX Rewards® Credit Card that can only be used in-store.
Since they don’t carry an annual fee, you may think there’s no harm in applying for either card — it’s essentially free rewards, right? That’s largely true, but as you’ll see in our T.J. Maxx credit card review, for most people these cards are a bit more of a tired tchotchke than a shiny bargain. If you’re good at scoping out deals on your wardrobe, it’s likely you can find better deals for your wallet as well.
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Tjx Rewards Credit Card Questions And Useful Resources
Here are some common answers people look for when dealing with the TJX Rewards® Credit Card.
- What is the TJ Maxx credit card customer service phone number? TJX Rewards Platinum Mastercard holders can call 1-877-890-3150. If you are a TJX Rewards® Credit Card user, call 1-800-952-6133.
- How do I login to my TJ Maxx credit card account? You can use this link.
The information related to TJX Rewards® Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.
Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site . ValuePenguin does not include all financial institutions or all products offered available in the marketplace.
How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin’s alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.
What To Do If Your Application Is Pending
While it largely may be out of your hands to speed up the card issuers decision process, a few actions may help:
- Pick up the phone and dial customer service to check the status of your application. You can inquire about the reasons your application is pending and see if you can provide additional information or documentation. This may speed up the decision process and remedy any mistakes you may have made on your application.
- Monitor your email. The card issuer may reach out with additional questions or requests for documentation. Its important that you regularly check your email and be prompt with providing any requested information. Also be sure to check your spam folder.
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Tjx Rewards Credit Card Benefits And Features
The TJX Rewards® Credit Card helps you Earn 5 points per $1 at T.J.Maxx, Marshalls, HomeGoods, Sierra and Homesense stores in the U.S. and on participating ecommerce sites operating under these brands, and 1 point per $1 everywhere else.
You can also use this card wherever Mastercard is accepted. Doing so will award you with 1 point per dollar. Every time you earn 1,000 points, they can be redeemed for a $10 rewards certificate that can be used at any of the cards affiliated brands. The certificate is not redeemable for actual cash, which means this card is not a true cashback credit card. Your reward certificate will also expire two years after its issued, so make sure you only use your points once youre ready to use them otherwise you run the risk of wasting them.
In lieu of a traditional credit card bonus, the TJX Rewards® Credit Card gives you 10% off your first online or in-store purchase. This pales in comparison to other credit card bonuses. For example, some of the best cashback credit cards typically reward you with $150 to $200 after you spend at least $500 to $1,000 on your card within the first three months of card membership. Even if your first in-store purchase was $500, youd only receive $50 off.
Alternative Rewards Credit Cards
Its fairly clear that the TJX Rewards Platinum card comes with some serious concerns. So are there better cash-back credit cards that are worth a look? Absolutely.
Plus, most of these cards can be used in many places, as opposed to a store-branded card that locks you into a couple of particular retailers.
There are lots of excellent options, but here are just a few examples:
- Sign up for paperless statements
- Learn about special offers
You can also manage your account on-the-go and redeem your rewards in-store on the T.J.Maxx app .
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Tjx Rewards Credit Card Vs Chase Freedom Flex
The Chase Freedom Flex is one of the best cashback credit cards around and can give you some significant savings. However, it wont be very useful at TJ Maxx stores. The card lets you Earn 5% cash back on eligible purchases in rotating categories, 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. Typically, the fourth quarter of each year includes department stores as a category.
However, it should be noted that TJ Maxx is not categorized as a department store. Therefore, you will likely never get more than 1% cash back at these stores using the Chase Freedom Flex. The situation is reversed when you consider non-TJ Maxx purchases. While the TJX Rewards® Credit Card will always only give you a 1% return outside of TJ Maxx, the Chase Freedom Flex has the potential to earn you up to 5%.
Below are the 2021 cashback categories that have been revealed for the Chase Freedom Flex.
|Gas stations, internet, cable, phone services and select streaming services||Gas stations and home improvement stores||Grocery Stores and select streaming services||TBD|
Bottom line: The Chase Freedom Flex can give you better returns than the TJX Rewards® Credit Card. However, to do this you will need to pay attention to the rotating rewards calendar.
How About An Instant Approval Card Instead
Instead of waiting to learn whether your credit card application has been approved or denied, you could try a . With a credit card offer that provides instant approval, youll receive an immediate decision on the status of your credit card application usually within minutes or even seconds.
If you are interested in a card that provides instant approval, there are several to consider. Just keep in mind that these offers are typically designed for individuals with bad or limited credit.
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