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20 Reasons to Consider a TJ Maxx Credit Card


There are more credit cards available today than can be easily counted. The selection that people have to choose from is both extensive and at times very confusing. Too many card companies say the same things using different words and offer deals that are like one another with only minor differences that can make the effort put into selecting a card seem like a headache waiting to happen.

With the availability of so many confusing term uses, APR’s, and other various features that many people might never use, it is important to know as much about your selected card as possible. This is where the TJ Maxx credit card comes in. Like several competitors TJ Maxx offers both a store card and a Mastercard that each come with several amenities that can be used at the buyer’s discretion. Listed below are several ways that both cards can benefit the consumer and why they are the wiser choice when selecting a reliable credit card.

So, why the TJ Maxx credit card?

The TJ Maxx card is offered by TJ Maxx in conjunction with Synchrony Bank, a consumer bank that often works with retail stores. TJ Maxx offers both a store card, the TJX Rewards Credit Card, and a Mastercard, the TJX Rewards Platinum Mastercard. The latter card, as it suggests, is a credit card that offers the benefits of a Platinum Mastercard. The Maxx credit card is provided to TJX by credit card issuer Synchrony Bank, a popular national bank with online account features and phone apps.

Benefits of the TJ Maxx Credit Card

The store card and the TJX Rewards Platinum Mastercard each have their own benefits, which are reward points after each purchase. This can come in handy if you are a regular customer of TJ Maxx, Marshall’s, Sierra Trading Goods, or HomeGoods.

Manage High-Ticket Purchases

This is something that almost goes without saying, but a credit card is an essential tool to make sure that purchasing expensive goods won’t break the bank. A TJ Maxx credit card is no different in this regard, with features that have become less common in the modern environment like a grace period and no annual fee.

Online Account Management

Synchrony Bank’s online account tools are some of the best in the industry, offering a way for customers to easily make payments at any time, 24 hours a day, 7 days a week for their TJX card and any other card supported by Synchrony Bank. Synchrony Bank is a popular credit card issuer for not just TJX but other prominent companies like Guitar Center and, giving it unparalleled financial stability. The app also improves the functionality of the automated system for credit cards, by allowing the user to access it any time and anywhere.

In-Store Account Management

Like many store credit cards, the TJX card can be managed at the customer support desk in stores. This allows TJX card holders to conveniently pay their card bill at the store, while they’re thinking about it, as well as online at a random time. It’s this kind of convenience that draws customers to prefer cards issued by Synchrony bank over other credit card issuer banks.

App Based Payment System

With a powerful phone app, Synchrony-issued credit cards like TJX’s are some of the easiest to use and to stay on top of in the market. Synchrony’s phone app is incredibly intuitive. It allows the user to view balance, recent activity, rewards balance, and current offers as often as they might prefer to, as well as an image of their card, if they haven’t looked at it in a while. The Synchrony app is simple as well to connect to any bank using a standard routing and account number, and easily recognizes users on both iPhone and Android using the phone’s standard recognition hardware.

Grace Period

Both cards also offer a grace period of 23 days to pay the bill, and it can be done online. This can be a great help in an economy where most people are constantly in debt and are constantly struggling to pay their bills. A grace period is also just generally a helpful feature to have in a world where people are not paid for their work every day. If you know you can wait until payday to pay a bill, you’re not going to be as anxious about interest accruing before you have the chance to pay it. The grace period does a significant amount to offset the card’s high interest rate.

Gift Certificate

For every 1,000 points earned the shopper gets a $10 gift certificate, which is incentive to many to continue their patronage at those stores that are affiliated with TJ Maxx. Also, if you use these stores as your go to places for back-to-school shopping and other needed merchandise, your chances at accumulating points quicker with each purchase goes up. During the holidays and for special occasions this could be a huge incentive for shoppers to come in and earn whatever they can in order to get even a small amount back in return.

No reward limits

There is no limit of reward points that you can earn with either card. While some cards might limit your reward points to a maximum number, the TJ Maxx credit card will continue to accrue your points every time you shop with no ceiling. Reward points of course can be used for cash back, items, or special purchases that might not be available on a regular basis.

For this benefit alone many people flock towards credit cards, and with the TJ Maxx credit card it would likely take little time to earn enough reward points to make the card worth the while. Offers appear routinely when your rewards are high enough, making it worthwhile to keep accumulating rewards.

Accepted Worldwide

The TJ Maxx Mastercard is accepted worldwide. This negates most limits to its use. With the Mastercard and the Platinum Mastercard it is possible to purchase and obtain goods and services any place that this card is accepted, which covers a wide portion of the known world. Most places in the world accept Mastercards.  It's rare when they do not.

TJX Rewards Card Offers Rewards in North America, Europe, and Australia

Even the lower-tier TJX Rewards Card, the store card option that does not include the Platinum Mastercard, is still a very good option for the average consumer who shops at TJ Maxx a lot. TJ Maxx is part of a worldwide network of stores, the TJX Companies, existing in North American, European, and Australian markets.

TJX Companies includes a diversified portfolio of stores

TJX Companies stores include TJ Maxx, HomeGoods, Marshalls, and TK Maxx, Marshalls, and Homesense retailers in Europe, Canada, and Austalia. Each of these stores has a slightly different product mix, but in the first year of a TJX Rewards Credit Card, if you’re traveling outside of North America your store purchases on three continents can earn serious cash back.

Identity Theft

The Mastercard comes with identity theft resolution. This means no worrying over stolen, lost, or damaged credit cards. Your credit will be safe and secure as the professionals at Mastercard work tirelessly to keep your information secure. The identity theft features protect your social security number and credit score. If someone steals your card, there's no need to worry.


The APR is not the nicest at 27.24%, but it invites another positive that can be borne from a negative. Paying this credit card off entirely is a good idea each month, and is a good way to build your credit as you continue to make payments. It might seem like an overwhelming negative, but if kept up, this credit card can greatly benefit your credit score.

The high APR of the TXJ Rewards Credit Card is one of the major disadvantages of this card, so making payments on a regular basis and keeping a low, preferably no, balance is a great way to keep it from getting overwhelming.

Get Money Back

The Platinum Mastercard allows you to gain money back on purchases made outside of the store. For every $1 you spend you will gain points towards rewards offered by the card. As far as the TJ Maxx credit cards go this is the best one by far and the most versatile.

In-Store Cashback Is Even Better

The TJX Rewards Platinum Mastercard returns 5% cash back on purchases in-store, making it an excellent cashback card for purchases made at a TJ Maxx store. 1% cash back on outside-store purchases is nothing to sneeze at, of course, but the 5% reward offered for purchases made at TJ Maxx stores is a strong incentive to shop there, as it knocks down the apparent interest rate of your TJ Maxx card.

Discount on First Purchase with the TJ Maxx Credit Card

Despite not being thought of as a great amount, the 10% discount the first time you use your TJ Maxx credit card can be a rather tidy sum considering how much some people spend at stores such as TJ Maxx and Marshall’s. For the price it’s a benefit to get cash back. Ten percent can be a good chunk of change when considering a high-priced purchase.

Low Credit, No Problem

Even with low credit it is likely that you will qualify for a store credit card. The benefit in this is that you can begin to purchase and then pay off this credit card, thereby building your credit in an attempt to earn your way towards applying for the Mastercard or Platinum Mastercard.

In the process you can freely purchase anything you need or want at the participating stores, which feature reasonably priced items. Synchrony financial products help their customers build good credit scores and make better financial decisions overall.

No Annual Fee

Despite being the norm for credit cards these days, there is no annual fee for the TJ Maxx credit card. This means you can hold onto the card and not use it. There is no charge each year for simply carrying the card. This is beneficial as it gives you the option of using the card for emergencies and then paying it down or using it when you need to, perhaps for priority shopping around the holidays, back to school, or just for fun.

A Good Secondary Card To Have

A good rule of thumb when building a credit portfolio is to have 1-2 major credit cards and 1-2 store cards at all time, with a low balance relative to the card’s maximum balance. With this in mind, the TJX Rewards Card or TJX Rewards Platinum Mastercard can both be a profitable secondary card to have in the mix. Especially the Rewards Platinum Mastercard, if you choose to carry that card, because it will help you build up your total credit portfolio while incentivizing one of the most popular department stores remaining in America. If you carry two credit cards, one of them should be a TJ Maxx credit card.


The TJ Maxx credit cards are definitely not the most ideal cards for everyone. For those who frequent the stores that are in conjunction with TJ Maxx however, these cards are highly advantageous. Both the Mastercard and Platinum Mastercard are extremely versatile cards that can carry great benefits to the holder no matter where they are. The lack of any annual fee is a decided bonus that can help to make this card very enticing.

While it does have a startlingly high APR, the TJ Maxx card is still replete with benefits for the user and can be advantageous through its use. This card is a good choice and a good fit for those who like to shop and are careful about paying the bill.

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Garrett Parker

Written by Garrett Parker

Garrett by trade is a personal finance freelance writer and journalist. With over 10 years experience he's covered businesses, CEOs, and investments. However he does like to take on other topics involving some of his personal interests like automobiles, future technologies, and anything else that could change the world.

Read more posts by Garrett Parker

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