If you are a big shopper at T.J. Maxx, Marshalls, HomeGoods, Sierra, or Homesense to get the last-name-brand discount, then the T.J. Maxx Credit Card will be a worthy addition to your wallet. It is designed to reward loyal patrons. The card offers a number of perks, from great discounts to special shopping privileges, to enrich your experience across the TJX family of stores. Thereby, from setting up a home on a tight budget to stocking up on couture-brand labels for a fraction of the original price, understanding the basic workings of the card would always get you through, saving a bit more.
Rewards and Discounts on the TJX Credit Card
The TJX Credit Card offers valuable benefits to loyal shoppers. These benefits include-
- 5% Back in Rewards– When shopping in T.J. Maxx, Marshalls, HomeGoods, Sierra, and HomeSense, buyers will receive 5% back on their purchases. There is no maximum benefit on the amount of rewards accrued.
- 1% Back at Everywhere Else– If your application for the TJX Rewards® Platinum Mastercard® is approved, you will receive 1% back on your purchases everywhere Mastercard is used.
- No Annual Fee– All this and no annual fee!
- Exclusive deals & events– Get 10% off your first in-store purchase, gain access to exclusive shopping events, access to early sales, and member promotions.
- Lucky 25 sweepstakes– Every purchase you make using your TJX Credit Card, you will be entered in the Lucky 25 monthly giveaway for a chance to win a $100 Gift Card.
How Do I Apply for the T.J. Maxx Card?
Applying for the TJX Credit Card is easy-
- Online Application– Go to the official TJX Rewards® Credit Card website and click on “Apply Now.” This quick online application gives you a decision within seconds and does not impact your credit score.
- Applying in-store– You can apply directly in any T.J. Maxx, Marshalls, HomeGoods, or Sierra store. An associate will assist in applying for the credit card.
- Prequalification– You can find out if you prequalify for the card before you apply. Applying for a prequalification is a soft inquiry on your credit report and won’t change your credit score at all.
Conclusion
If you’ve made recent or continuous purchases at T.J. Maxx or any of the brand names associated with T.J. Maxx, then the T.J. Maxx Credit Card may be an excellent choice for shopping and everyday use. It offers good rewards, discounts, and has no annual fee. The downside is that the APR on any unpaid balance can be extremely high because it is a store credit card, so the secret is to use it in a way in which you never carry a balance on the card. I would recommend trying to pay off the balance in full every month to maximize benefits.
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