Quick Verdict:
The TJX Rewards credit card offers tons of reward points for purchases at TJX stores, as well as 1 point per dollar for purchases at other locations if you qualify for the Mastercard. The fees and annual percentage rate is low, and there’s no annual fee.
Overview:
The TJX Rewards credit card earns points on every purchase, up to 5 points per dollar. There is no amount to the points you can earn and you’ll also receive special discounts throughout the year when you use your card.
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How This Card Works:
You receive 10% off your first purchase with your TJX credit card. In addition, you’ll earn points on every purchase at a rate of 5 points per dollar at TJ Maxx, Marshalls, Home Goods, and AJ Wright stores.
If you qualify for the TJX Rewards Mastercard, you’ll also earn 1 point for every dollar spent everywhere else. For every 1,000 points you earn you’ll automatically get a $10 TJX Rewards certificate. There is no limit to the amount of points you can earn.
You also receive exclusive sales, discounts and financing options throughout the year.
Travel and Shopping Benefits:
You get 10% off your first purchase with your TJX credit card.
You also get special sales, discounts, and financing options throughout the year when you use your credit card.
When you shop at TJX stores–TJ Maxx, Home Goods, Marshalls, and AJ Wright–you earn 5 points per dollar.
If you have the TJX Rewards Mastercard you’ll also earn 1 point per dollar on all other purchases. For every 1,000 points you earn you’ll be given a $10 TJX Rewards certificate. That means $10 for every $200 spent at TJX stores.
Fees:
There’s no annual fee for the TJX credit card.
If you get the TJX Rewards store card you’ll get an APR of 16.25% variable, with a fixed default rate of 23.99%.
The grace period is 20 days. Late payment fees are $10 for balances up to $100, $29 for balances over $100. There is no fee for going over your credit limit.
If you qualify and apply for the TJX Rewards Mastercard your APR will be a variable 9.24%, 13.24%, or 18.24%, depending on your credit history. The default rate will be as high as 23.99%.
Transaction fees are 3% of the amount, not less than $5 for balance transfers and not less than $10 for cash advances.
The over the credit limit fee is $39.
Bottom Line:
Pros:
- Earn up to 5 points per dollar on purchases
- 1,000 points earns $10 in TJX reward certificates
- Rate as low as 9.24% for the TJX Rewards Mastercard
- No annual fee for either card
- No credit limit fee for the store credit card
- Low late fees
- No limit to the points you can earn
- 10% off your first purchase
- Special discounts and benefits throughout the year
- APR for the store credit card is 16.24%–low for a store card
Cons:
- None
