TJX Rewards Credit Card

TJX Rewards Credit Card Review

This is a store rewards card issued by Synchrony Bank. If you're wondering whether TJMaxx credit card is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of 10 points that can be redeemed for travel, gifts, or other perks.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.99%
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of TJMaxx credit card

The Good	The Bad
Rewards points on every purchase at TJX stores. Card can be used at TJMaxx, Marshalls, Home Goods, Sierra, and Home Sense. Coupon for 10% off your first purchase at a TJX store No annual fee. Considers applicants with fair credit. Cardholders can earn rewards on their purchases. TJX Rewards Credit Card reports to multiple credit bureaus.	High interest Store only card Higher than average purchase APRs. Does not include many credit card benefits.

TJMaxx credit card FAQ

Does TJMaxx credit card have a cash back or rewards program?

TJMaxx credit card is a rewards card.

TJMaxx credit card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	10

What are the TJMaxx credit card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for TJMaxx credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

TJX Rewards Credit Card has a variable purchase APR of 26.99%.

What are the fees for TJMaxx credit card?

The following fees apply:

TJMaxx credit card Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	up to $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does TJX Rewards Credit Card report your account activity to credit bureaus?

Yes, TJX Rewards Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for TJMaxx credit card

• Visit the TJMaxx credit card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.