Do you own a TJ Maxx Credit Card or TJX Rewards Credit Card? If you haven’t applied for one yet, there is no better time. It is designed especially for frequent users on the TJ Maxx stores and to companies affiliated with it. You can get all the benefits and rewards of being a regular shopper. If you already have one there might be some surprising facts that you are unaware of.
The brand has thousands of stores across the country and multiple consumers have been enjoying benefits all over the world through the TJ Maxx Credit Card Login. This credit card is issued by the Synchrony Bank and if you are looking to get one for yourself too, visit the official page to apply for the card. Let us look at every piece of information that you should know about the TJX Rewards Credit Card.
Here we go.
TJX Rewards Credit Card- Overview
TJX Rewards Credit Card is a store card issued by the popular brand TJ Maxx for frequent shoppers in the stores and all its affiliate brands i.e. Marshalls, HomeGoods, Sierra Trading Post, and HomeSense. If you are a hard-core shopper in these stores, you can get one too for yourself and enjoy multiple benefits every time you shop.
This TJ Maxx Credit Card is issued by the Synchrony Bank and hence you will be associated with them every time you use it to shop for anything on these stores. To get the card, you need to apply for it by filling out your details from the official website. The steps are pretty simple and the rewards are massive for everyone who has been shopping at TJ Maxx stores for so long. It is pretty easy to use and also manage through the use of their official online portal. Simply use the ID and password and off you go.
How does TJ Maxx Credit Card work?
So, the very important question you have been asking yourself for so long, how this actually works. If you have just received the card or are thinking of applying for one, here is what you need to know about the card and how it works. Every shopper that shops on stores for brands i.e. TJ Maxx, Marshalls, HomeGoods, Sierra Trading Post, and HomeSense will receive 5 points for every dollar spent.
Now, the points are collected and presented to the credit card holder once a certain number is reached. You can then use these points while you buy the next time from the store. All the reward status can be checked on the online portal once you complete the process of TJX credit card login to your account. It helps to view or download the Reward certificate very easily and then check the status too. However, the only issue we find with the card is its high APR rate which we will discuss later below.
TJX Rewards Credit Card Benefits and Features
As we said, TJ Maxx Credit Card is most popular for its specific features and benefits that it provides to its customers. You can use this card on the specific stores to earn points but also use it wherever Mastercard is accepted for payment. For other credit card transactions, you will get a single point for every dollar spent on the card. Customers love the scheme and have been giving a very positive response.
On the other hand, it has basically three major rewards or benefits that set it apart from every other credit card you have come across. Here they are.
- Earn 5% as rewards every time you shop in the stores of TJ Maxx, Marshalls, HomeGoods, Sierra Trading Post, and HomeSense or even online.
- Get a 10% discount on your first in-store purchase with the card.
- Receive Invitations to exclusive and private shopping events by the brand
Once you have earned 100 points on the card, they will award you a $10 reward certificate that you can use anytime in their stores. Also, this is not redeemable into a cash reward. You will not get cash for this instead it is just points earned. Furthermore, make sure to use the card as soon as possible since it will expire within 2 years.
Apply for TJ Maxx Credit Card
The process to apply for TJ Maxx Credit Card requires a few steps and all of it you will find on the application portal. You can even get a TJ Maxx credit card pre-approval but it is not an easy process. You can also visit the TJ Maxx store and apply for your credit card application there itself. There aren’t any special requirements to get pre-approval except just a small thing.
Every customer applying for the card must have a credit score of 620 or above. Well, not many have this good score especially those who haven’t had a lot of transaction history. So, if you pass this specific requirement you will get pre-approved as soon as you apply on the site. Here is how you can apply.
- Visit the official site from this link.
- Enter your Social Security Number and your Phone Number to proceed with the application.
- Further, the site will gather your data securely and fill the next form automatically with your name and other details.
After this, you need to select the options you are applying for, accept the terms and conditions, and confirm the submission. Once you are done with this, you can wait for the TJ Maxx rewards credit card application status if you are approved or not. As we said, if your credit score is good, it will not take much time. The details you will provide are protected by the Synchrony Bank and are assured not to be used for any other purpose.
Cost and Fees on Credit Card
One of the most important aspects that every credit card holder must check before they apply for any credit card. Similarly, there are certain fees and costs that are applied to the TJX Rewards Credit Card as well. This is the only issue that many customers and as reviewed we found to be a little out of hand.
1. No Annual Fee
TJ Maxx Credit Card charges no annual fee from its customers. It is completely free of cost even if you do not pay your bills for months. However, make sure you do not be late for paying your bills as it does affect the credit score in the long run.
2. High APR
Unlike other Credit Cards, TJX Rewards Credit Card has a very high APR. A lot of customers have refrained from applying for this card due to this particular reason. It charges a 26.99% annual percentage rate on your card. It is a pretty high number as compared to other cards in the market. Hence, it is important that you do not carry forward your monthly bill for very long as it will cost you a very high-interest altogether.
3. No Foreign-Transaction Fee
You will be thrilled to know that the TJ Maxx Credit Card does not charge any fee for making foreign transactions. If you are planning to visit other foreign countries and looking to use your credit card, this should be the priority. Unlike other credit cards, this has zero fees and hence you can easily make a purchase overseas without having to worry about anything.
How to Login or Register to TJ Maxx Credit Card Online Portal?
It is the easiest part once you get hold of all the details i.e your account info, card number, and other card related details. With the use of their official portal to TJ Maxx, you can make TJ Maxx credit card login to your account and even register if you are a new user.
TJ Maxx Credit Card Login
- Visit the TJX Reward Credit Card official website.
- To log in, enter your User ID and Password. Click on Secure Login.
That is all you need to do to log in and manage the credit card account. It has details of the amount you need to pay, rewards, and other benefits. In fact, once you are logged in, it is even easier to pay the bill through the same portal within seconds.
- Visit the TJX Reward Credit Card official website.
- Click on “Register” to get your tjmaxx credit card login details after registering your card online.
- Enter the Account Number and Zip Code.
- Follow the process as needed.
Once you have registered successfully, you will receive your login details via your email and you can proceed to the website to continue with the tjmaxx credit card login process and manage the account.
How to Activate the TJ Maxx Credit Card?
Once you have received your credit card, you need to activate the card in order to use it in stores or even for online shopping. Before you look to register on their official website to pay the bills and see the rewards, it is important to activate the card before any step further.
- Visit the official Website to Activate the Credit Card.
- Enter your Card Number, Security Code, and last four digits of Social Security Number.
- Click on Activate My Card.
Wait for a few seconds and your card will be activated within minutes. After this, make sure to register your account on the portal and then go off using the online stores. It will hardly take much time and you can enjoy the rewards.
How to make TJ Maxx credit card payments?
Well, there are two ways to do this. Either you can choose the online portal which will hardly take any seconds. If you do not have access to your tjxrewards login account currently, then you can choose to pay the bill via phone as well. Here is how.
Via Online Portal
- Login to your account from https://tjx.syf.com/login/
- Click on Summary Tab and look into the menu options.
- Look for Make Payment and click on it.
Now, confirm your payment option and make the payments. You can do this every month and clear your bills.
Via Phone Number
Here is another way if you do not have an internet connection or are unable to access the portal. Simply call the customer care at 877-890-3150. Simply follow the steps as being asked and make your payment.
Contact Customer Service
If you have been facing any issues with the card and are unable to register due to many circumstances you can get in touch with the TJ Maxx credit card customer service. Simply call on the phone at 1 (800) 952-6133.
Verdict- TJ Maxx Credit Card Review
Here we are with every piece of information you need to know about the TJ Maxx credit card. From understanding about its benefits to knowing how to activate the card. Also, there are a large number of users all over the world who are enjoying every benefit offered by the card. It is super easy to apply for the card and also uses it for shopping. TJ Maxx has always been an amazing brand that provides a good range of rewards. You can get the card for their rewards anytime without a doubt. However, the high APR can create a huge downfall and thus make sure you are aware of it. If you are looking forward to paying your bills on time, this may not affect you on a large scale.
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Since it is issued by the Synchrony Bank, you need not worry about the security factor. All the info provided with the card is kept private. Similar to filling out the application form, no data will be leaked out under any circumstances. Make sure you follow the process as we have listed above. If you are unable to contact customer care directly, do let us know if we could help you with anything.