WalletHub Rating
3.6/5
TJX Credit Card has a rating of 3.6/5 according to our proprietary credit card rating system. This rating reflects how appealing TJX Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, TJX Credit Card earned a score of 5.0/5 for Fees, 3.3/5 for Rewards, 3.4/5 for Cost, and 2.8/5 for User Reviews.Info about the TJX Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
2.8/5
492 reviewsRead and write reviews
Editor’s Review
4.5/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.3
Cost
3.4
Other Features
0.0
3.5/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
TJX Credit Card Annual Fee
$0
TJX Credit Card APR on Purchases
34.99% (V)
TJX Credit Card Balance Transfer
Balance Transfers Not Allowed
TJX Credit Card Rewards
10% off your first online or in-store purchase with your card
Earn 5 points for every $1 you spend on purchases at T.J.Maxx, Marshalls, HomeGoods and Sierra, and Homesense stores in U.S. and Puerto Rico and online at any participating ecommerce site operating under any of the foregoing brands.
Earn 1 point per $1 spent everywhere else. Points do not expire.
Receive $10 in TJX reward certificates for every 1,000 points earned.
TJX Credit Card's Additional Info
0% Fraud Liability.
Identity Theft Resolution.
show more
Learn More
at Synchrony Bank's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
August 2nd, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
TJX Credit Card Pros & Cons
No membership fees
High rewards rate
10% discount initial rewards bonus
No intro APR on purchases
No balance transfers allowed
Foreign fee
Requires good/excellent credit
TJX Credit Card Review
4.5 / 5
- Two for One. There are two TJ Maxx credit cards: The TJX Mastercard and the TJX Store Card. You don’t really get to choose between them, though. There’s only one application, and the card you get largely depends on your creditworthiness. People with good or excellent credit generally get the Mastercard, while folks with fair credit get the store card. Fortunately, it’s not a big deal either way, as the TJX Store Card has all of the TJX Mastercard’s best features. Nevertheless, you can check your credit score for free on WalletHub to see which offer you’re likely to get approved for.
- Nice initial discount. Both TJX cards give you 10% discount onyour first in-store purchase, which could definitely prove to be a big money-saver, even if it’s not the biggest discount available from a retailer-affiliated credit card. Some offer 15% to 20% off.
- Great ongoing TJX rewards. Both TJ Maxx Cards also give you 5 points per $1 spent not only at TJ Maxx, but also at Marshalls, HomeGoods and Sierra Trading Post. That equates to 5% cash back, in the form of store credit. The 1 point per $1 spent that the TJ Maxx Mastercard gives you at all other stores obviously pales in comparison. In fact, that earning rate is just below the market average for a rewards card – reason enough to use different plastic for purchases outside the TJX family.
- No good for financing. Carrying a balance on a TJX rewards card isn’t the best idea, considering both offers charge interest at a high annual rate. That not only dwarfs the 18.2% average APR for excellent-credit credit cards, but is also much higher than even the average for fair-credit credit cards, according to WalletHub’s latest Credit Card Landscape Report.
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Compare The TJX Credit Card vs. Popular Alternatives
 TJX Credit Card |  Prime Visa |  Blue Cash Everyday® Card from American Express |
|---|---|---|
3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 2.8 Market Comparison 3.5 fees: 5.0 rewards: 3.3 cost: 3.4 Other Features: 0.0 | 4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 Market Comparison 4.3 fees: 5.0 rewards: 4.1 cost: 4.5 Other Features: 0.0 | 4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 3.6 Market Comparison 4.2 fees: 4.3 rewards: 5.0 cost: 4.3 APR: 3.8 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APR0%for15 months |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro apr0% for 15 months|Transfer Fee: 3% (min $5) |
Regular APR34.99% (V) | Regular APR20.49% - 29.24% (V) | Regular APR19.24% - 29.99% (V) |
Sponsored Apply Now | Sponsored Apply Now Terms Apply |
Questions & Answers
Can't find what you are looking for? Submit your question about TJX Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
19
Upvotes
How can I pay my TJX Credit Card?
Reply
19
1
WalletHub
@WalletHub
You can make TJX Credit Card payment online, by phone, or by mail. To pay TJX Credit Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.
Ways to Make TJX Credit Card Payment
- Online: Log in to your online account and click on “Make a Payment.”
- By phone: Call (800) 952-6133 and enter your card information when prompted, then follow the prompts to make a credit card payment.
- By mail: Send a check or money order (but not cash) to
TJX Rewards Credit Card
P.O. Box 669818
Dallas, TX 75266-0772.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a TJX Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
13
Upvotes
What's the T.J.Maxx Credit Card phone number for customer service?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The TJX Credit Card phone number for customer service is (877) 890-3150. You can use this number to check your account balance, make a payment, or for other general customer service inquiries. If you want to contact the TJX Store Card's customer service you can call (800) 952-6133, instead.
How to Talk to TJX Credit Card Customer Service
- Call the TJX Credit Card customer service at (877) 890-3150.
- When prompted to enter your account number, wait until you are given the option...
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7
Upvotes
How do I apply for T.J. Maxx Credit Card?
Reply
7
Adam McCann, Financial Writer
@adam_mcan
The easiest way to apply for the TJX Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Synchrony's website. Alternatively, you can apply in store.
Keep in mind that the TJX Credit Card requires Good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt...
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27
Upvotes
What credit score do you need for the T.J.Maxx Credit Card?
Reply
27
12
WalletHub
@WalletHub
The credit score that you need for the TJX Credit Card is 700, at a minimum. That means people with at least good credit have a shot at getting approved for this card. The TJX Store Card, on the other hand, requires a 640+ credit score (fair credit).
Other TJX Credit Card Approval Requirements
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being...
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7
View more answers
5
Upvotes
How do I report a lost TJX Credit Card?
Reply
5
Debbie fischer, WalletHub Analyst
@debbie.fischer
You can report a lost TJX Credit Card over the phone at (800) 952-6133. Your card will be cancelled and a replacement will be sent to you.
When you receive your replacement TJX Credit Card, you'll need toactivateit before you can make a purchase. If there are any recurring charges linked to the old TJX Credit Card, make sure to update those accounts with your new card information.
What you should know if your TJX Credit Card is lost:
...
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2
5
Upvotes
Where can I check my TJX Credit Card balance?
Reply
5
Rhonda Stewart, WalletHub Loans Analyst
@rhonda
You can check your TJX Credit Card balance either online or through the T.J. Maxx mobile app for Android and iOS. You can also check your balance over the phone at (800) 952-6133.
How to Check Your TJX Credit Card Balance
- Online: You can check your balance online by signing in to your account. From here you can even monitor your rewards balance, pay your bills, or enroll in electronic statements.
- Through the mobile app:...
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4
Upvotes
How do I cancel my TJX Credit Card?
Reply
4
Chip Lupo, Credit Card Writer
@CLoop
To cancel a TJX Credit Card, call customer service at 1 (800) 952-6133 and ask a customer service rep to cancel your card account.
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. In addition, you will forfeit any unused points, so be sure to redeem them before you cancel the card. You will also...
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Upvotes
What's the TJX Credit Card payment address?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The TJX Credit Card payment address is:
TJX Credit Card/Synchrony Bank
PO Box 530949
Atlanta
GA 30353-0949
When paying the bill by mail, make sure to submit either a check or a money order for the payment amount, as the issuer does not accept cash. It's also worth noting that you can use the same mailing address to pay your TJX Store Card, too.
Tips For Mailing TJX Credit Card Payments
- Include your credit card number on your...
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Upvotes
How do I check my TJX Credit Card application status?
Reply
Evelyn Boros, Credit Cards Moderator
@evelyn_boros
You can check your TJX Credit Card application status by calling (800) 952-6133. You'll need to provide either your 9-digit Social Security Number or your application reference number.
If it turns out that your application is denied, there's still one thing you can do. Call (800) 952-6133 to speak to a representative and ask for a reconsideration. While there's no guarantee it will work, it doesn't hurt to try.
If the issuer's decision about your denial remains...
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1
4
Upvotes
What bank issues the TJX Credit Card?
Reply
4
Neil Elliot
@shockwave121
The TJX Credit Card is issued by Synchrony Bank.
3
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TJX Credit Card Reviews
Share your insights and review for the TJX Credit Card
5
18%
4
11%
3
36%
2
10%
1
25%
2.8
492 reviews
492 reviews
What's Your Rating?
Most Recent
petcogil
@petcogil
1 Star Rating
Please stay away from this credit card. I had my card for seven years, and in those seven years, my interest rate was raised to 34%. This is insane, and I have learned my lesson and closed the account for the best. I would definitely never open a credit card from Synchrony.
Comment
1
Gloria Sellers
@Bigsexy13
You are so right they gave me credit and all of a sudden they drop my credit limit and took money on how much credit i had, on my car care card i had 1500 credit limit then all os a sudden they charged me 276 dollars in interest the taught me a lesson as well ..i am done with them when i pay them off, never again
Comment
1
Lisa Howard
@lisamhoward13
1 Star Rating
I told them I was going to be one day late with my payment due to a mistake in my banking. They said they would charge me an over fee, so I said, "Well, it's already late, so I'll let it go until the following period."
Comment
Stephanie Cruz
@stephfania13
1 Star Rating
Having this card is a nightmare. The way they harass you with calls and emails when you're not even behind on payments is unbearable. It can be weeks before your next payment is due, and they harass you every day, leaving voicemails and sending multiple emails and calls. I've used the card once, paid more than the minimum, and they act as if you owe them 10k and haven't made a payment in months. Once I pay off the balance, I'm canceling this card. It's a nightmare.
Comment
1
Guzalkhon Madalieva
@Guzal
1 Star Rating
Thiscard initially gaveme $200, and it was just like a membership; I couldn't use itin thestore. Then the seller advised me to top up again, and this time I got a credit of $800. But after a while, they closed my $200 credit card and changed my $800 card to $1000. This happened in a very short period of time, and I don't remember ever being late on a $200 payment. So now, without any reason, they blocked one of my cards and added their money to my second card. It now appears on my credit history that I have just covered it up. When I called them to talk about it, they hung up on me. So, I don't recommend anyone to use this card.
Comment
JAMES JACKSON
@MATTHEWJACKSON7
1 Star Rating
I was in the D'Iberville, Mississippi, Marshalls store in late 2022 (I loved to shop there often) and was offered to save on that purchase if I applied for and used the card, if approved. I was approved and used my card then and a few other times there to buy merchandise. My account was paid in full each billing cycle and was at a $0 balance when I was there last Christmas shopping with a friend in late 2023. On that shopping trip, my card was declined, and I made the purchase anyway with another form of payment. I was a little confused and embarrassed but asked to speak with a manager for some clarification on what the issue could be. The manager called card support and told me that my card had been closed (with a $0 balance and not delinquent) due to existing excessive revolving credit cards.
I didn't ask for the card; I applied and was approved, paid it off in full each time after, and only used it a few times, having it closed out on me without notice. That experience was the best way to make me not ever want to shop there again.
James Jackson
No longer a TJX-affiliated companies customer.
Comment
Rosemarie donohue
@rosed417
1 Star Rating
Twice they have not sent me a statement to pay the bill. Then they charge you a late fee and interest. They waived it once, but now that it happened again, they will not waive the late fee; they waived the interest. As soon as we received the late notice, we called and paid the statement in full. We explained to them that we never received the statement for payment. They said they sent it. They told us if we did not pay the late fee and interest, they would charge us more interest and another late fee. I asked them for proof of them emailing the statement; they told me I had to trust them. Then they hung up.
Comment
Layla Brooks
@brooks_ileana
1 Star Rating
I got this card for the rewards since I am a TJX loyal customer. However, I forgot to pay on time because I do not use it frequently. They do not work with you to settle their large fees and high interest. Do not get this card. The rewards are minimal when compared to their fees. Use your regular credit card if you have one.
Comment
Bridget fown
@Fownb76
1 Star Rating
Having had this card for three years, all charges were paid in full on each statement. My balance was decreased from $900 to $100, considerably dropping my score. I called and was advised it was due to my TransUnion report's lack of real estate, a derogatory report, and debt. I have one derogatory issue, which, after speaking with my personal banks, clearly indicated litigation and consumer disputes. Otherwise, my repayment history reflects in the 90th percentile. My score was 711 until TJX dropped my score. Keep in mind the same bank for TJX, I have other credit cards with, and they have not decreased the balance. I will not utilize them nor shop at any of their locations again.
Comment
Allison Wehlage
@agwehlage
1 Star Rating
The rewards system is not real. Rewards disappear due to IT glitches. I had rewards gained from purchases, and they disappeared without a trace. The company did not correct my balance.
Comment
Lorraine
@lorrainebringo
1 Star Rating
Synchrony is disappointing; it's best to apply with Comenity. I've had a good credit score of 685, yet I was still not approved. I'm not concerned about applying with Synchrony anymore. Also, Amazon uses Synchrony; it's surprising given how much money I've spent with these two companies.
Comment
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