Due to the limited nature of the card, though, it should only be considered if you shop regularly at those companies. Like most other store-loyalty credit cards, it comes with a significant APR, and no annual fee.
How the TJX Rewards Credit Card works
After being accepted for a TJX Rewards Credit Card, shoppers receive 5 points for each dollar spent at TJMaxx, Marshalls, HomeGoods, and Sierra Trading Post. When certain thresholds are met, rewards are paid out in certificates for customers to redeem.
Cardholders receive a discount off their first in-store purchase after opening an account. Basically, it makes anyone who has a TJX Rewards Credit Card a VIP shopper for those stores. The drawbacks come in its limited scope and high APR.
This card is good for…
Getting a 5% rewards rate at TJ Maxx, Marshalls, HomeGoods and Sierra stores
Those who want a 10% coupon for the affiliated stores
This card is bad for…
Anyone looking for an everyday credit card
People who tend to carry a balance on their credit card
How to Pay my TJX Rewards Credit Card bill
You can manage your TJX Rewards Credit Card account online through their online portal, which is powered by Synchrony Bank. You can also reach them by phone at 1 (800) 952-6133. Additionally, you can add the card to your Tally profile and get some help in managing payments.
Steps to Make Your TJMaxx Credit Card Payment Online
Perhaps the most convenient way to pay your TJX Rewards credit card or TJX Rewards Platinum Mastercard bill is to use the online portal provided by Synchrony Bank, the financial institution that issues the card. To log in, you’ll need to enter the user ID and password that you created when you registered the card.
From there, head to the “Summary” tab and select “Make a Payment.” You’ll have the option to make the minimum payment due, pay the statement balance, pay the current balance or type in another amount.
Whether you’re using the TJ Maxx credit card app on your mobile device or on your home computer, you can opt to make your TJ Maxx online payments automatically each month. From the “Summary” tab, choose “Recurring Payments.”
Type in the amount you’d like to pay each month, enter your banking information including your account number and your bank routing number, then click the button to give authorization. Automatic payments will begin the following month.
What to Do If Your TJMaxx Credit Card Payment Is Late
At the end of each billing cycle, TJ Maxx gives customers at least 23 days to pay the minimum amount due. There is a late fee of up to $35 if the bill isn’t paid by 5 p.m. EST on the listed due date. Late payments can be made online, over the phone or via the postal service.