TJX Rewards Credit Card Review

TJX Rewards Credit Card is a store rewards credit card issued by Synchrony Bank. If you're wondering whether TJX Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 29.24%
• 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 stand a chance of qualifying if your credit score is not below 600.

The Good	The Bad
Rewards points on every purchase. Card can be used at TJMaxx, Marshalls, Home Goods, Sierra, and Home Sense. No annual fee. Considers applicants with fair or poor 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 offer a signup bonus. You don't earn rewards on every purchase. Does not include many credit card benefits.

Is there a TJX Rewards Credit Card cash back or rewards program?

TJX Rewards Credit Card offers a rewards program to its customers.

TJX Rewards Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the relevant APRs for TJX Rewards Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. TJX Rewards Credit Card has higher than average purchase APRs.

TJX Rewards Credit Card has a variable purchase APR starting at 29.24% .

What are the fees for TJX Rewards Credit Card?

The following fees apply to TJX Rewards Credit Card:

TJX Rewards Credit Card Fees

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

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 TJX Rewards Credit Card

• Visit the TJX Rewards 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.