What is a TJX credit card?
TJX credit card is a credit card that is available for regular shoppers to shop from affiliated shops such as HomeGoods, Marshalls, and Sierra Trading Post. The card holders of the tjx credit card are eligible for the benefits and perks of the Crad. If the user is spending one dollar on a purchase, they can get 5 points, which can be redeemed later for future shopping with affiliate outlets.
But the cardholders can only get the benefit if they shop regularly with the brands of tjx credit cards. This credit card has certain limitations, such as a significant APR. This card has no annual fee, which is counted as a benefit for the cardholders.
Payment through this card can be done via an online method. The user will have an account with the username and password, and they are required to log in each time they pay through this card.
This card is issued by the synchrony bank and is suitable for the users who love to bargain during shopping. But if the user is not shopping on a regular basis, they can rack up the reward.
Benefits and perks of tjx credit card
The tjx credit card has certain perks and benefits for its users. Cardholders can get a 10% discount on their first purchase with this card. And for each dollar spent on a purchase, the user will be rewarded with 5 dollars, which can later on can be utilized for further shopping. If these earned points reach 1,000 points, the cardholder will get rewarded with a certificate that would be worth $10.
Besides this, the cardholder will also get the special treatment and will be invited for the exclusive shopping at the accepted retailers.
In the event that you shop at T.J. Maxx at each chance, for all events — school year kickoff, birthday celebrations, occasions and such — you can score some genuine focuses.
Simply, the benefits are:
- Discount of 10% on first purchase with accepted stores
- Earned points do not expire. You can use it anytime at the accepted stores.
- There is no annual fee applicable for tjx credit card
- Awarded with $10 certificate after collecting 1000 point sob shopping
- Frequent users will get the more benefits and perks for their shopping
Additional features of the tjx credit card
- Fraud liability is 0%. There is no chance
- The card have the feature to identify the thief with theft resolution
- There is no foreign transaction fee available for this card
- The maximum penalty APR is 0
- Late fees is $35
- The card has extended warranty coverage
- It has price protection
- smart chip and pin is available
How tjx credit card work?
The tjx credit card holders receive a reward of 5 points for each dollar they spend on their shopping at the affiliated stores. The users can shop only at the accepted brands such as Marshalls, HomeGood, and Sierra trading post.
The earned points can be redeemed, and the users are provided with certificates.
The payment can be made by logging on to the user account with a username and password. The cardholders are considered VIP shoppers at the affiliated outlets. The only drawback this card has is its APR, which is 26.99%, slightly higher than any other credit card. This card also has a certain limited scope for shopping.
Limitations of tjx credit card
Though this card has certain benefits and perks available for users, it also has certain limitations that one must know before applying for it.
It is obvious that you can’t purchase everything at T.J. Maxx. Your ordinary spending on things like food supplies, gas and café dinners will win an unimportant 1 point for each $1, and you’ll be secured to utilizing those prizes in just one spot: inside the T.J. Maxx group of brands such as homegoods, marshalls, and sierra.
In case you’re searching for increasingly adaptable procuring and reclamation alternatives, a money back charge card will work better for you.
The user can recover your money back as a passing financial balance store, an announcement credit or a check to utilize anyway you’d like. The yearly expense is $0.
What’s more, obviously, you don’t really need to agree to only one card. You could utilize the TJX Rewards® Platinum Mastercard® on TJX buys and the Citi® Double Cash Card – multi month BT offer wherever else.
There’s no early on APR period with this card, so in the event that you have to fund another closet for work or some furniture for a redesign, you ought to most likely look somewhere else.
The progressing APR is 29.24%. Diverting an equalization will chip at any prizes you procure, so it’s ideal to cover your parity on schedule and consistently.
Alternatives for tjx credit card
In spite of the fact that the TJX Rewards Card has some valuable highlights, you might need to investigate an ordinary prize card to get the most value for your money. These cards offer progressively adaptable spending opportunities, and in addition to the opportunity to get cashback rewards, you can utilize them anywhere.
TJX Credit card fees
The TJX credit card has a relatively higher APR that is 26.99%. It is recommended for the users to not keep the balance over every month. If you are keeping balance, you will be paying extra for their purchase from the retailed outlets.
Payments and bills
The users can manage their account for payment via their tjx credit card account online. This card is powered by the synchrony bank. You can talk to the customer care representative. Besides you can also link your card with the tally brand. This will help in managing the payments.
How to apply for tjx credit card?
You can apply for a TJX Rewards Card at any T.J. Maxx store. A client support delegate will walk you through the application, which will be handled right away.
You’re additionally ready to apply online at the T.J. Maxx site. For either application, you’ll have to give your name, address, telephone number, email, Social Security number, and yearly salary. Lamentably, you can’t make a difference with a card via telephone.
When you’re affirmed, you can deal with your record on the web. You’ll get month-to-month articulations, and you can decide whether they are paper or electronic. You can cover your tab through your online record, by means of mail, or via telephone. T.J. Maxx doesn’t have an in-store installment choice.
Where can TJX credit cards be best used?
The TJX Rewards Card is truly best for individuals who go through a great deal with T.J. Maxx or its related brands, as well as individuals who are faithful to the brand. In the event that you can watch out for your prize focus, augment the rebate openings that spring up during the year, and pay off your equalization every month, you might have the option to get some not-too-bad incentive out of utilizing this card.
FAQs for tjx credit card
Q: Where can we use the TJX credit card?
That depends on which card you have, as TJX offers two unique cards. The TJX Rewards® Platinum MasterCard can be utilized at any place Master Card is acknowledged. The TJX Rewards® Credit Card must be utilized within the TJX family. This incorporates T.J. Maxx, Marshalls, Home Goods, Sierra Trading Post, and online at tjmaxx.com and sierratradingpost.com.
Q- which bank issues the tjx credit card to theusera?
The synchrony bank is responsible for issuing the tjx credit card to the users.
Q- What is the annual fee for a tjx credit card?
The annual fee for tjx credit card is 0
Q: How much is the APR for the TJX credit card?
The annual APR for tjx credit card is 26.99% which is relatively high as compared to other
cards.
Q- What are the benefits and perks of shopping with the TJX credit card?
The benefits and perks for tjx credit card are as follows:
- Discount of 10% on first purchase with accepted stores
- Earned points do not expire. You can use it anytime at the accepted stores.
- There is no annual fee applicable for tjx credit card
- Awarded with $10 certificate after collecting 1000 point sob shopping
- Frequent users will get the more benefits and perks for their shopping
Q: How much credit score is required to get the tjx credit card?
The credit score must be 620 or more than this to get the tjx credit card.
Q- How can the user check the balance on the tjx credit card account?
You should experience a hard credit request to apply for a T.J. Maxx charge card. Your Social Security number is utilized when the credit check is performed with the goal that your credit document can be secured.
Q: How can we cancel the tjx credit card?
To cancel the tjx credit card, you can simply call the customer care representative at 800-952-6133, or for platinum MasterCard, call 877-890-3150.
