TJ Maxx is a top department store chain in the United States. They are known to sell clothing for men, women, and children.
Also, they sell other things like beauty products, shoes, toys, accessories, home décor, etc.
However, this department store also offers two credit card options for loyal customers.
Thus, TJ Maxx offers two credit card options; the first credit card is the store credit card option.
Then, the second option is the MasterCard credit card option.
Hence, these credit cards are known as the TJX Rewards card and the TJX Rewards MasterCard.
In today’s article, we will tell you how to access your credit card accounts online. And it also shows you how to pay your credit card bills.
Also, we will discuss how to connect with TJ Maxx customer service. as well as provide you with other useful information about these credit cards.
That being said, let’s proceed by telling you how to access your credit card accounts online.
TJ Maxx Card Login
- To access your card accounts online, follow the steps below:
- First, open the Card Login Page in a browser.
- Next, type in your account user ID and password.
- Now, click on the ‘Secure Login’ button to access your Card Account Online.
Forgot my user ID
To recover your account user ID, select the ‘Forgot my user ID’ button.
Then, type in your credit card account number.
After that, enter your zip code and click the ‘Continue’ button.
Now, follow the prompts on your screen to recover your user ID.
- Forgot my password
If you don’t have the password for your account, click on the ‘Forgot my Password’ button.
Next, type in your credit card account user ID.
Then, enter your zip code and click on ‘Continue’.
After that, follow the prompts on your screen to change your account password.
Register for Card Online Access.
To register for Card online access, click on the ‘Register’ button.
Next, type in your credit card account number.
Now, enter your zip code and click on ‘Continue’.
Then, follow the prompts on your screen to recover your user ID.
How to Make Card Payments
Below are simple ways in which you can pay your bills:
Online Payment
To make a one-time payment online, open the Card Login Page.
Then, provide your account user ID and password to access your account online.
After that, follow the guides on your screen to pay your Card bills.
Hence, you can also avoid missing a payment by setting up AutoPay.
However, you can also make payments without signing into your credit card account.
Thus, this method is called the ‘Pay As Guest’ option.
This option allows you to make a one-time payment without logging into your account.
Hence, all you have to do is visit the login page. Then, select the ‘Pay As Guest’ option at the top of the page.
Now, enter your Card number, the last 4 digits of your SSN, and your zip code.
After that, click on the ‘Continue’ button. Then, follow the instructions on your screen to pay as a guest.
Payment by Mail
Allows you to pay your card bill through the mail. Hence, send your payment to the following address:
For your TJ store card bills, send mail to:
- TJX Rewards Credit Card
P.O. Box 669818
Dallas, TX 75266-0772
Thus, for the Platinum MasterCard payment, send bills to:
- TJX Rewards Platinum MasterCard
P.O. Box 669819
Dallas, TX 75266-0773
Payment by Phone
To pay your bills by phone, call TJX Rewards Card Customer Service at 1-800-952-6133.
However, if you have the Platinum MasterCard, you can call 1-877-890-3150 to pay your bills.
In-Person Payment
This card also allows you to pay your card bills at any of the card location across the U.S.
Hence, use Store Locator to find a store close to you.
Card Customer Service
If you’re finding it hard to contact customer service, this guide is helpful.
In this guide, we will show you different ways to contact customer service.
Thus, these are ways in which you can contact Customer Service:
By Phone
For online inquiries, call customer service at 1-833-888-0776. Hence, for in-store inquiries, you can call customer service at 1-800-926-6299.
Thus, this service can be accessed Monday to Friday from 9 a.m. to 6 p.m. EST.
However, call 1-800-952-6133 to contact customer service as a TJX Rewards cardholder.
But if you’re a MasterCard holder, call 1-877-890-3150 to contact customer service.
Via social media
You can also connect with and contact customer service on social media via:
However, visit the customer support page for morecustomer service information.
How to Apply for the Card
Follow the simple steps below to apply for a Card:
But before that, make sure you’re qualified before applying for this card.
Thus, if you’re qualified for a card, follow these steps below to apply for a card:
First, visit the Card Application Page using a web browser.
Now, enter the last 4 digits of your SSN or ITIN and your phone number.
After that, click on the ‘Continue’ button. Then, proceed by following the on-screen guides to complete the process.
But if you don’t have a phone number, select the ‘I don’t have a mobile phone number’ option.
Then provide some personal information to complete your card application.
Hence, you’ll have to provide the following information:
- First Name
- Last Name
- Street Address
- Zip Code
- City
- State
- Primary Phone
- Email Address
- SSN/ITIN
- Date of Birth
- Annual Net Income
Card Credit Score Approval
To apply for the TJX Rewards Card, you’ll need a credit score between 670 and 739 for approval.
However, if you’re applying for a MasterCard, you’ll need a credit score of 740 or above.
If your credit score is below 670, you can still get approved for a TJX Rewards Card.
Card Comparison
TJ Maxx offers two credit card options for its loyal customers. Hence, let’s have a look at the differences between both cards:
| TJX Rewards Card | TJX Rewards Platinum MasterCard | |
| Welcome Bonus | 10% off your first purchase | 10% off your first purchase |
| Rewards | 5% back at TJX Family brands | 5% back at TJX Family brands. 1 point per $1 spent anywhere that accepts MasterCard. |
| Annual fees | $0 | $0 |
| Where should you use it? | TJX stores and TJX Family Brands | MasterCard is accepted anywhere |
| APR for Purchase | 23.74% (varies based on the prime rate). | 23.74% (varies based on the prime rate). |
| APR for Cash Advance | Nil | 29.99% |
| Late Fee | Up to $35 | Up to $35 |
| Minimum Payment Charge | not less than $2.00. | not less than $2.00. |
Card Rewards Program
TJ Maxx has a reward program for its loyal credit cardholders. Thus, these are all you need to know about the Card Rewards Program:
In this reward program, you can earn points on approved credit card purchases.
Hence, for every 1,000 points earned, you’ll get 10 rewards certificates to spend in any TJX store.
Also, note that these points do not expire. But the rewards certificate is valid for only 2 years.
However, TJX rewards certificates are digital and accessible within 48 hours via TJX apps or websites.
How to Redeem Your Points
TJX reward points do not expire. But the rewards certificate is valid for only 2 years.
However, TJX rewards certificates are digital and accessible within 48 hours via TJX apps or websites.
Thus, for every 1000 points earned, they are instantly converted into a $10 reward certificate.
Hence, you can redeem your reward certificate when shopping online or at T.J. Maxx or Family stores.
Free Shipping
TJ Maxx offers free shipping on all orders of $489 and above. Hence, to redeem this free shipping offer, use the code SHIP89.
However, this offer is not open to Gift cardholders, and it is good for standard shipping only.
Return Policy
If you’re not okay with a purchase, return the goods with a registered receipt within 30 days of purchase.
Thus, a cash refund on check purchases will take about 10 days. But be sure to return goods with a receipt within 30 days of purchase.
Therefore, we cannot approve refunds, credits, or exchanges for goods that are used, worn, or in bad condition.
Also, if you’re returning swimwear and intimate apparel, be sure to include your tickets with your goods.
However, you’ll need the following documents for approval:
A valid government-issued photo ID
Your full name
Address
Signature
The name printed on the goods credit must match the name on the presented ID.
Also, the customer’s signature may be required for receipted returns.
Hence, to find out more about the cards return policy, visit the return policy page.
Card Annual Fee
Both the Rewards Credit Card and the Platinum MasterCard have a $0 annual fee.
Interest Rates
Both credit cards have a variable APR of 23.74% on purchases (varies based on the prime rate).
How to Report or Cancel a Lost Card
To report or cancel a lost card, call 1-800-952-6133 to contact customer service as a TJX Rewards cardholder.
But if you’re a MasterCard holder, call 1-877-890-3150 to contact customer service.
However, you can also call these numbers to request a Card replacement.
Card Dispute
To report a Card dispute, call 1-800-952-6133 to contact customer service as a TJX Rewards Cardholder.
Hence, if you’re a MasterCard holder, call 1-877-890-3150 to contact customer service.
However, make sure you have your name, address, phone number, or full account number at hand.
Pros and cons
Here are the pros and cons of T.J. Maxx cards:
Pros
- 5% back on purchases made at T.J. Maxx and other TJX brands.
- Customers can use the Rewards Card at T.J. Maxx, Marshalls, HomeGoods, Sierra, or HomeSense.
- The Rewards Platinum MasterCard allows you to use it anywhere MasterCard is allowed.
- 10% off your first purchase when you sign up for any of these credit cards.
- No annual fees.
- Points do not expire.
Cons
- High APR.
- limited redemption options.
- The reward certificate is only valid for two years.
Mobile App
This app allows you to shop and browse products from TJ Maxx and its family brands.
Also, you can manage your TJX card and get notifications about new arrivals, sales, and a lot more.
Hence, visit the App Store (iOS) or Google Play (Android) to download the Mobile App.
Is the Card worth it?
If you shop frequently at TJ Maxx, you may want to consider getting this card.
However, these cards have a high APR and offer credit card rewards from TJ Maxx and its family brands.
But if you don’t shop often for this brand, you may want to consider getting other credit cards.
Alternatives
Below are other credit card options to consider apart from the TJ Maxx cards:
The RedCard Credit Card
The Freedom Flex Card offers enhanced flexibility and benefits.
The Discover it Cash Back Card offers a variety of benefits.
Summary
This article contains major facts about what you need to know about this credit card.
Hence, if you have any questions about Lowe’s card, make sure you drop them in the comment.
That being said, thank you for reading, and also check out this blog for other credit card posts.
Reference Links
The Card Application Page
Frequently Asked Questions (FAQs)
Is TJ Maxx a credit card?
Synchrony Bank issues the reward card and the reward platinum MasterCard.
This credit card offers you a chance to earn rewards when you make purchases with your cards.
Hence, you can earn 5% back on all credit card purchases at TJ Maxx and its family brands.
Also, when you open a credit card, you’ll get a 10% discount on your purchase.
What is the credit limit for a TJX card?
These credit cards have low credit limits. Thus, most cardholders have a starting credit limit of $200.
However, there are chances of getting a higher credit limit based on your creditworthiness.
What can I buy with my TJ Maxx credit card?
With your TJX Rewards Card, you can buy anything at TJ Maxx and its family brands. With the Platinum MasterCard option, you can use this card wherever MasterCard is accepted.
What credit score do I need for a TJ Maxx card?
To apply for the TJX Rewards Card, you’ll need a credit score between 670 and 739 for approval.
However, if you’re applying for a MasterCard, you’ll need a credit score of 740 or above.
If your credit score is below 670, you can still get approved for a TJX Rewards Card.
