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.
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 2.9/5 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
2.9/5
489 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
32.24% (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.
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 on your 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 18.04% 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.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
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
2.9
Market Comparison
3.5
fees: 5.0
rewards: 3.3
cost: 3.4
Other Features: 0.0
3.7WalletHub Rating
WalletHub Rating
3.7
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
4.7
User Reviews
3.2
Market Comparison
3.6
fees: 5.0
rewards: 3.8
cost: 3.3
Other Features: 0.0
3.3WalletHub Rating
WalletHub Rating
3.3
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 Gas 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.
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.
The easiest way to pay your TJX Credit Card is online. Alternatively, you can make a payment over the phone at (800) 952-6133 or via mail. You cannot pay your credit card bill at a T.J.Maxx store. It's also worth noting that the same payment methods apply to the TJX Store Card, too.
How to Pay Your TJX Credit Card
Online:Log in to your online account, go to the “Summary” tab, and click on the “Make Payment” button. From there, you'll be able to confirm your payment information and send your payment.
Over the phone: You can also pay your bill over the phone through the automated system by calling (800) 952-6133.
Via mail: If you would rather mail in a payment, send your TJX Credit Card payment to:
Mastercard Accounts P.O. Box 530949 Atlanta, GA 30353-0949
If you choose to pay your TJX Credit Card via mail, make sure to send your payment early enough that it will arrive by the due date. Write your credit card number on the check, too.
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...
The easiest way to apply for the TJX Credit Card is online. It should only take a few moments to receive a decision after submitting your application. Otherwise, you could apply in person at any of the following T.J. Maxx store locations:
T.J. Maxx
Marshalls
HomeGoods
Sierra
Home Sense
The same application methods apply to the TJX Store Card, too. At the moment, there is no option to apply over the phone.
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...
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 to activate it 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:
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.
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...
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.
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...
Share your insights and review for the TJX Credit Card
5
19%
4
11%
3
36%
2
10%
1
24%
2.9
489 reviews
489 reviews
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Stephanie Cruz @stephfania13
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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.
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Guzalkhon Madalieva @Guzal
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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.
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JAMES JACKSON @MATTHEWJACKSON7
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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.
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Rosemarie donohue @rosed417
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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.
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Layla Brooks @brooks_ileana
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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.
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Bridget fown @Fownb76
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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.
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Allison Wehlage @agwehlage
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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.
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Lorraine @lorrainebringo
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1 Star Rating
Verified Customer
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.
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globalcampingneeds @globalcampingneeds
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1 Star Rating
Verified Customer
I thought that my address was only going to be used for receiving coupons, etc. I did not agree to having my credit report pulled, OR getting a new credit card. I was dumbfounded that this happened without my permission - I was not even asked if I wanted a credit card from them.
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elmahdi Barhourhe @elmahdi
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1 Star Rating
The worste credit card I get .. don't apply advice.. I get hard inquiry due to their website problems and they don't want to take it off
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