Is TJX Rewards Credit Card the right fit for you?
Last Updated: 07/28/2025
SuperMoney User Recommendation Score -33
Mostly not recommended6 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
600 - 850
Annual Fee
$0
Number of Reviews
TJX Rewards Credit Card Review
This is a store rewards card issued by Synchrony Bank. If you're wondering whether TJX Rewards Credit Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 10 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of TJMaxx credit card
| The Good | The Bad |
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TJMaxx credit card FAQ
Does TJMaxx credit card have a cash back or rewards program?
TJMaxx credit card is a rewards card. This card features rewards for purchases in the following categories:
- Retail
| Description |
Does TJMaxx credit card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 10 points signup bonus that can be redeemed for travel, gifts, or other perks.Does TJMaxx credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the TJMaxx credit card benefits?
TJX Rewards Credit Card 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 for accounts that carry a balance (as of September 2026) is 22.15%. This card has higher than average regular APRs.TJX Rewards Credit Card has a variable purchase APR of 26.99%. TJX Rewards Credit Card does not offer balance transfers.
Does TJMaxx credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. TJX Rewards Credit Card does not offer balance transfers.Does TJMaxx credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for TJMaxx credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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.
What is the customer service phone number for TJMaxx credit card?
The customer service number for TJMaxx credit card is (866) 226-5638.
What is the support contact email for TJMaxx credit card?
The support contact email for TJMaxx credit card is customer.service@mail.synchronybank.com.
How do people rate the customer service and user experience of TJMaxx credit card?
Overall, TJMaxx credit card is mostly not recommended based on community reviews that rate customer service and user experience.
Does TJX Rewards Credit Card report your account activity to credit bureaus?
Yes, TJX Rewards Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, TJMaxx credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for TJMaxx credit card
- Visit the website of TJMaxx credit card.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Hours of Operation
Sunday8:00AM - 12:00AMMonday8:00AM - 12:00AMTuesday8:00AM - 12:00AMWednesday8:00AM - 12:00AMThursday8:00AM - 12:00AMFriday8:00AM - 12:00AMSaturday8:00AM - 12:00AM
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Other Credit Cards from Synchrony Bank
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
25.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
27.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
400 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Purchase APR
Up to 29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
N/A
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -33, or 2.3 on a 5-point rating scale.
-33
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
TJX Rewards Credit Card Community Reviews
Would you recommend TJX Rewards Credit Card to your friends?
MZ
Marinela Z.
Nov 9, 2023
Would Recommend
I was at Marshall's store when I went shopping with my family and bought a lot of things for presents for Christmas. I was offered their credit card by the attendant which said that I could get 10% cashback if I apply for their CC which is a good deal considering the amount of items we purchased. I was able to apply on the spot and use the ...Show More
U
Anonymous
Aug 5, 2023
Would not Recommend
Highly do not recommend! They will keep raising the interest rate each month. Mine went all the way up to 31.74% and that’s with no bad marks and always paying on time! When I first started it was much lower. Save yourself the trouble.
CK
Christy K.
Mar 10, 2023
Would not Recommend
I had this card for years, and as long as they made interest off me, it was fine. Then I was finally able to pay off my balance, and they closed my card without telling me. I assume it’s because they’re not making interest off me any more. This has destroyed my credit utilization on my credit report. Slimy.
IC
Inga C.
May 4, 2022
Would not Recommend
WORST CREDIT CARD , THEY CHANGED FEES EVEN I PAID IN FULL EVERY MONTH .DO NOT HESITATE FOR THIS CREDIT CARD IT'S BIG LIE . THIS CARD CHANGE MONTHLY FEES OVER $100
U
Anonymous
Nov 17, 2020
Would not Recommend
REJECTS AUTO BILLING FROM MY BANK PNC! CHARGED A 25 LATE FEE AND INTEREST WHEN I NEVER GOT THE BILL! VERY DIFFICULT TO REACH A HUMAN. DID NOT POST THE CORRECTION FOR DAYS. I HAVE A GREAT CREDIT SCORE AND I'M NEVER LATE. THIS IS THE ONLY CARD/ BANK I HAVE HAD THIS PROBLEM WITH! This is the second time I tried this card. Not worth the rewards. I'll use ...Show More
U
Anonymous
Aug 23, 2019
Would Recommend
This card is amazing! I love being able to shop at my TJ Maxx, Homegoods, Marshalls and Sierra Trading Post and earn 5% back on all my purchases. You earn $10 in Rewards Certificates that don't expire for 2 YEARS (not just 10 days like other stores) for every $200 in purchases. I am not a big shopper and only do so when I need to, but ...Show More
Showing 6 of 6 reviews
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