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TJX Rewards® Credit Card

Credit needed
Fair, Good
Annual Fee

Card Summary

TJX Rewards® credit card is typically for regular shoppers of the TJX group of companies and it's participating stores, such as HomeGoods, Marshalls, and Sierra Trading.

It gives members 5x points for each dollar they spend at the participating stores.

Since it's only for frequent users, the card should only be considered if you shop regularly at these stores.

Like many other loyalty cards, it comes with no annual fee and a significant APR.

Card Summary - Cons

High APR: The APR for purchases is around 26.99% for purchases made with the TJX Rewards Credit Card.

People who miss payments or tend to carry a balance on their credit cards will be penalized or overcharged on their next purchase.

Expiry of rewards: TJX Rewards Credit Card have a two year expiration date, meaning you can't combine rewards for a mega purchase.

Rates and fees

Issuer Name
Synchrony Bank
Penalty APR
Late fees and Penalties: Up to $35
Credit Needed
Fair, Good
Balance Transfer Fee
Balance transfers are Not Allowed.
Annual Fee
Cash Advance Fee
Not applicable
Foreign Transaction Fee
Not applicable

Here’s a smart way to pay off

Synchrony Bank

The Best Features

Cardholders receive a 10% discount on their first purchase.

Cardholders receive 5x reward points for each dollar spent at participating stores.

No annual fees involved.

After reaching 1000 points, you will receive a certificate worth $10 in-store credit.

It is best suited for regular shoppers at TJ. Maxx stores.


Sign up bonus

APR Requirements




Card earns 5x points for purchases made a TJ Maxx stores and participating stores such as HomeGoods, Marshalls, and Sierra Trading.

For every 1000 points, you will receive a certificate worth $10 credit that can be used in-store.

No annual fees involved.

Comparative Analysis with Other Cards

TJX Rewards Credit Card vs. TJX Rewards Platinum Mastercard

Annual fee: $0 for both the cards.

Rewards: The TJX Rewards Credit Card gives 5 points for every dollar spent at TJ group of companies and it's participating stores. The TJX Rewards Platinum Mastercard gives a 5 points for every dollar spent at TJX stores and also 1 point for every dollar spent anywhere else.

Sign-up bonus: When you sign-up with either of the cards, you will receive a 10% discount off your first purchase. Both the cards receive a 10% coupon on the first purchases.

Maximizing Rewards

Annual Fees


Do you need the TJX Rewards Credit Card?

If you are:

You are a frequent shopper at TJ Maxx stores and participating stores.
You do not carry forward a balance month on month.
You make on-time payments.

No late fees. Reduced interest charges. Pay off

Synchrony Bank