TJ Maxx Credit Card,If you shop at TJ Maxx often, it is definitely a good idea to consider a credit card made specifically for the stores associated with this brand. There are plenty of general reward cards, but you usually don’t get any bonuses when shopping at discount outlets. However, this offer is definitely worth noting, as choosing the TJ Maxx card will give you a bigger return on your purchases in addition to the bonuses.TJ Maxx Credit Card
If you want to learn more about the pros and cons of the TJMaxx credit card, we have a detailed guide just for you.
What are the features of the TJX Rewards Platinum MasterCard?
If you are serious about saving money on your purchases at TJ Maxx, the TJX Platinum MasterCard is your most favorable choice if you have a fair to good credit score (740 or above). This card is issued by Synchrony Bank and offers the following features:
$0 annual fee
Welcome bonus of 10% off your first purchase
5% off purchases at TJX stores
No foreign exchange fees
Exclusive shopping invitations
$10 certificate for every 1,000 bonus points earned
When you use this credit card to shop at TJX branded stores (TJ Maxx, HomeGoods, Homesense, Sierra, Marshalls), you’ll earn 5 points per dollar spent. The bonus applies to both online and offline purchases. When you use your TJ Maxx MasterCard at other stores, you’ll earn 1 point per dollar spent.TJ Maxx Credit Card
Because this is a MasterCard offer, you also get additional benefits, such as:
Global support if your card is stolen or lost.
We are not responsible for fraudulent charges on your TJMaxx credit card.
You can also opt for identity theft protection, which will notify you if there are signs of fraudulent activity.
As for the downsides of this card, you should keep in mind that the annual interest rate is high at 32.24%. There is also the restriction that reward certificates cannot be exchanged for cash.TJ Maxx Credit Card
How is the TJX Rewards Credit Card different from the Platinum Card?
When you apply for a TJX credit card, you can receive one of two reward cards. One thing to note is that applicants do not know in advance which credit card they qualify for, but the decision is based on their credit score. Those with a reasonably high credit score can receive the Platinum Card, while those with a lower score will receive the TJX Rewards Card. This card only offers rewards if you purchase from the company.TJ Maxx Credit Card
The store-only rewards card has the same benefits as the Platinum Card, but it is not associated with a regular payment network (MasterCard, Visa, etc.). This means that you will receive the 5% discount on purchases at TJX-affiliated stores, but not the 1% discount on purchases at other stores. You also won’t get the additional benefits associated with the MasterCard network.TJ Maxx Credit Card
The only solution is to raise your credit score to at least the Fair range, especially if you want a Platinum card.
What are the alternatives to the TJMaxx credit card?
If the TJ Maxx credit card offers are not enough for you, you may want to consider other options.
One of the alternatives to the TJ Maxx credit card is Capital One’s QuicksilverOne. It is not limited to a specific store, but it only gives you 1.5% back when you use it for any purchase. Compared to the TJ Maxx one, it has a $39 annual fee, but you can get cashback at any time. This offer also includes card insurance, making it a good choice for buyers who want peace of mind.TJ Maxx Credit Card
Discover it Secured Credit Card
The Discover it Secured Credit Card is a good option for those who want to build their credit score or who often dine at restaurants. With this type of card, you make an initial deposit of at least $200, which acts as your credit line. Thanks to this approach, you don’t have to pay an annual fee.TJ Maxx Credit Card
This credit card offers 2% cashback on purchases of up to $1,000 at restaurants and gas stations per quarter. Like the TJ Maxx Platinum Card, you get 1% cash back on all other purchases. If you have the money to put down initially, this card is a great option with more rewards than the TJ Maxx card.
Final Thoughts
There are plenty of general credit cards out there, but if you shop at TJ Maxx often, this card may be the best option to consider. You get 5% back on all purchases at TJ Maxx affiliated stores, which quickly adds up to a lot of money. The downside to this card is that it has a high APR and you can’t redeem your certificates for cash. Also, if you get a regular rewards card instead of a platinum card, all the rewards are exclusive to TJ Maxx stores.TJ Maxx Credit Card
If you want extra rewards, you might want to consider other rewards cards like Capital One or Discover.
FAQs
How do I apply for a TJMaxx credit card?
If you want a TJX credit card, you can apply at a TJ Maxx store or online. If you meet the requirements, you’ll be issued a Platinum Mastercard. If your credit score isn’t high enough for Platinum, you’ll be offered a store card.
Can I use my TJMaxx credit card at other stores?
Because the Platinum TJX Rewards credit card is a MasterCard, you can use it at any store, but this method limits your rewards. If you apply for a card and get a store-specific card, you can only use it at TJX-affiliated stores.
What are the rewards of the TJMaxx credit card?
The rewards of the Platinum card include 5% back on purchases at TJ Maxx and 1% back on purchases at other stores, a bonus points system, and more. There is also no annual fee, and you can get 10% off your first purchase with the TJX credit card.
