What is a TJMaxx credit card?
The tjmaxx credit card is a platinum Mastercard that is issued by Synchrony Bank. The tjmaxx credit card can be useful as this card is deal-savvy, and the users can bargain at the affiliated stores for their shopping with the tjx credit card.
The TJ Maxx credit card will give you the benefit of:
- 10% discounts on the first shopping or in store shopping
- 5% back rewards while shopping at the tjx family stores
- Get the invites or the exclusive shoppings
The users of the general credit card don’t avail the bonus rewards on their purchase. But the users of the tjmaxx credit card get the benefits at the shopping outlets and the annual fee card is additionally valuable for its loyal users.
Usage of the tjmaxx credit card
The users using the tjmaxx credit card can use it anywhere where the mastercard is applicable for making payments. To make the payments, the users of this card can also add the card to their tally profile. This will help them in managing their payments.
Yet the tjmaxx credit card is very beneficial, but if the user shopping frequently with the card can rack up the slow rewards, the benefits will be limited.
How do this credit card rewards work?
As you read earlier that the tjmaxx credit card is unlike any other regular credit cards, it does not have the annual fees. The users can enjoy the credit card reward without any annual fee.
Moving towards the tjmaxx credit card rewards work, the shopper will get the 5 reward points for each dollar they are spending on their shopping at the tjmaxx affiliated shops for home Goods, and trading post.
At times when the thresholds will match, the reward for the same will be paid out in the form of the certificated for redeeming the earned points by the users of the carde.
The users of the tjmaxx credit card can avail a huge off on their first shopping with the affiliate shops or shopping in store after being the member of this card. The cardholders of the tjmaxx credit card can enjoy VIP shopping at the affiliated shops or in store shops of the tjmaxx credit card.
After all these benefits, this card also has a certain limitation tsht is counted as its drawbacks and high APR.
Benefits and rewards for the users
The cardholders of the tj maxx credit card get the benefits such as 10% off on their first shopping at the affiliated stores.
The users of this card will earn 5 reward points for each dollar they spend on their shopping with the tjmaxx credit card. After collecting 1,000 bonus rewards points, the users will be issued a certificate, which will be worth $10 in store credit. This will break down to 5% off on the shopping.
The users of this card will get the invitation for the exclusive shopping at the affiliated stores.
The cardholders of the tj maxx credit card can earn the reward by spending at:
- HomeGoods
- Sierra Trading Post
- T.J. Maxx
- Marshalls
Note: There is no limit to earning the rewards. The users can get more than 1000 reward points that can be later redeemed for purchasing goods at the accepted retailers.
Charges for the credit card
The cardholders of the tj maxx credit card making the purchases with the APR can fall around 26.99% which is quite more. Ut is recommended to the users to use this card not to have the credit over every month. If the users carry the balance every month, they might have to pay the extra at the shopings from the accepted retailers.
the users can make the payment with the online portal of the tj maxx credit card.
Drawbacks of the tj maxx credit card
Though these cards are very beneficial for the users and help them save a decent amount of their hard earned cash, in certain situations this card becomes quite troublesome for the users.
As this card is beneficial for shopping at the accepted shops, the increased APR of 26.99% on this card is slightly higher. It becomes a sturdy task to retrieve your balance. The cardholders are required to pay the balance from month to month to avoid the extra charges. This charge makes the 5% discount quite meaningless for the cardholders.
Review for applying this credit card
As you read in the above paragraphs, the TJ Maxx credit card helps its users save some of their cash while shopping at the Marshalls, HomeGoods, and Sierra Trading stores. But if the user wants to shop other than the affiliate shops, they must shop with the other cash credit card, as the TJ Maxx credit card will not be beneficial to unaffiliated shopping outlets.
Though the users of this card get 10% discounts on their first shopping and a 5% reward point on every dollar they spend on their shopping, the APR of 26.99% on this card is slightly higher. We cannot consider the TJ Maxx credit card as good as the other cash credit cards.
The users can have the other cash credit card as along with the tj maxx credit card. They can keep the tj maxx credit card as their second option. Only use the tj maxx credit card for shopping at the accepted retailers and use another cash credit card for your daily use.
The major drawback as we read earlier is the higher APR of the tj maxx card. Thus, it is always recommended to never carry a balance monthly. The APR of this card is higher as compared with the other cash credit cars,
It is advisable for the users of the tj maxx credit card to pay the full amount at a time.
Important facts for Applying for a TJ Maxx credit card
The users applying for the TJ Maxx credit card online will get 10% discounts on their first purchase towards an online purchase. If the user is not willing to pay the shipping cost, this is very useful for them. This will help the user to save their shipping charges at the time of online shopping.
Moreover, if the user is applying the card via an offline method like applying from the stores, they will get the coupons at their mail that can be further used at the time of shopping offline from the affiliated stores only.
Some additional features of the credit card
- The TJ Maxx credit card is available without an annual fee.
- The card ID is protected and secured from fraud.
- It can determine the thieves with the feature of theft assistance
- This card come with the extended warranty on certain products from the affiliated outlets
- This card has the benefits of the extra-standard mastercard
Managing the tj maxx account online
The cardholders of the tj Maxx credit card can log in to the online portal of the tj Maxx credit card to manage their account. After logging in to the account of the user, this will appear with the options of:
- Monitoring and checking the account activities by the user
- The online login will also help in making the payments at the affiliated shops
- The users can also set up the account alerts from their online account of the tj maxx
- The users of the tj maxx credit card can also sign up for the paperless statements at their online platform
- The online platform of the tj maxx credit card allows the users to know about the special deals and offers.
FAQs for using this credit card
Q: Can the TJ Maxx credit card be used anywhere?
No, the tj maxx credit card cannot be used anywhere. The cardholders can use the card only at the affiliate shops at the time of shopping.
Q: How can we get the TJ Maxx credit card?
Users can apply for the TJ Maxx credit card via the online mode. Besides, users can also apply for the TJ Maxx credit card via offline methods at the centers.
Q: Which bank issued this credit card to the users?
The synchronic bank issues the credit card for tj maxx and TJX
Q: Can we use the credit card from TJ Maxx at the stores?
No, the credit card for tj maxx is not applicable for all the stores. It is only applicable for the accepted retailers.
Q: How can we pay with the TJ Maxx credit card?
For paying via a TJ Maxx credit card, users can pay via their phone or email.
Q: Where can we operate the account online?
The users can manage their account online at the online site of the TJ Maxx credit card.
Q: What platforms are included in the online account of a user?
The online platform of the user will have the following platforms:
- Monitoring and checking the account activities by the user
- The online login will also help in making the payments at the affiliated shops
- The users can also set up the account alerts from their online account of the tj maxx
- The users of the tj maxx credit card can also sign up for the paperless statements at their online platform
- The online platform of the tj maxx credit card allows the users to know about the special deals and offers.
