[Synchrony Bank TJX*] TJMaxx Rewards Credit Card ❤️2023

Check everything you need to know about TJX Rewards credit card & Platinum Mastercard for TJMaxx customers in this article. What are the features and fees & charges customers get?

What are the benefits these credit cards offer to TJMaxx consumers? Check up-to-date information on this page.

TJX Rewards Credit Card

There are two types of credit cards TJMaxx offers to its customers.

  1. TJX Rewards Credit Card
  2. TJX Rewards Platinum Mastercard

Both credit cards are in partnership with Synchrony Bank and offer exclusive benefits and features to T.J. Maxx customers.

Customers can use these credit cards for making purchases at T.J.Maxx, Marshalls, HomeGoods, Sierra, and Homesense locations. Platinum Mastercard can be used anywhere else where Mastercard is accepted.

Customers will get rewards points on every purchase they make and they can redeem these rewards points at TJX group of companies while purchasing a product.

Features & benefits:

Some of the important features and benefits TJX Rewards credit cards offers are mentioned below.

  • Get 10% off on your first purchase after approval and opening the online account.
  • Get 5% cashback in terms of Rewards when you shop at the TJX family of brands.
  • Credit card customers will get exclusive shopping invites from time to time.
  • Get Mastercard benefits such as zero liability on unauthorized use and identity theft protection.
  • These credit cards can be used outside the TJX group of companies.
  • Customers will get rewards as per the TJX Rewards Program.

Fee & charges:

Fee typeTJX Rewards credit cardTJX Rewards Platinum Mastercard
APR for Purchases29.24% variable29.24% variable
Penalty APRNoneNone
APR for Cash AdvancesN/A29.99%
APR for Balance TransferN/AN/A
Minimum Interest Charge$2$2
Annual FeeNoneNone
Balance transfer feeN/AN/A
Cash Advance feeN/AEither $10 or 4% of the amount of each cash
advance, whichever is greater.
Foreign Transaction FeeNoneNone
Late Payment penaltyUp to $38.Up to $38.
Returned Payment PenaltyNoneNone
Over the limitNoneNone

Other fees:

  • A replacement card fee will be applicable in case you lost your credit card.
  • If you choose an expedited delivery of your credit card then you will have to pay the required extra charges.


  • A balance transfer facility is not available with these credit cards.
  • APR is on the higher side.


Name of credit cardTJX Rewards Credit Card
TJX Rewards Platinum Mastercard
Issued bySynchrony Bank
Serviced bySynchrony Bank
Credit card network providerMastercard
Credit score requiredAverage
Official websitetjmaxx.com


What is my TJX credit limit?

All TJMaxx customers will get a credit and a cash advance limit that will be disclosed once customers receive their credit cards.

How can I cancel my TJX credit account?

TJX customers can send a written request to the customer service address. The customer service address is mentioned on the billing statement. Customers can also call the customer service number written on the back of their credit card.

Please make sure to clear any outstanding due before making an account closure request.

What credit score is needed for a TJMaxx credit card?

It’s a store card so the average credit scorer can easily get this. If you need a Mastercard then a higher credit score will be required.

How can I use the TJX credit card Cash Advance facility?

A cash advance facility is available only for TJX Rewards Platinum Mastercard customers. Customers can use convenience checks to use the cash advance facility or they can use an ATM to withdraw cash.

A PIN is required to withdraw cash from the ATM. If you don’t have a PIN then call the customer service number written on the back of your credit card.

Please note the applicable interest will be charged on each cash advance along with the cash advance fee.

Will I pay any foreign transaction charges?

TJX card customers can make foreign transactions without paying any fee. It’s a free service offered to all TJX customers.

Does my information shared with credit agencies?

Synchrony Bank shares the TJX credit card account details with major Credit Bureau Reporting.

This information includes payment-related information such as Late payments, missed payments, or other defaults on your account and may impact your credit score.

It will also help to increase your credit score if you pay your monthly payment every month.

Can I update the Email or Phone number of my TJX Synchrony account?

Yes, All contact information must be accurate to receive essential communications from Synchrony Bank.

To update your contact details, please write to the customer service team at the address mentioned on your monthly statement.

Can I assign someone as an authorized user?

Yes, You can assign anyone to use your TJX credit card with your consent. Please note that you will be responsible for all transactions made on your account by an authorized user.

What if I lost my TJX card?

If somehow a customer loses his card then he must immediately inform the customer service team. An immediate call can avoid any unauthorized transaction event.

How can I get a paper copy of my TJX card statement?

All new customers who have opened an online account at the Synchrony website will receive a digital copy of their monthly statement.

If a customer needs a paper copy then a request can be made by calling the customer service number written on the back of the credit card.

Customers can also contact Synchrony bank by logging in to their online accounts. There is no extra charge to receive a paper copy of your statement.

How can I check my TJ Maxx card balance?

Customers can check their TJ Maxx card balance by logging into their account on the online website and the TJX Rewards app.

About T.J. Maxx

T.J. Maxx is a part of TJC Companies INC. TJX is a leading off-price retailer in the United States and 8 other countries. It sells fashion-related products through its 4700+ stores and five online e-commerce websites.

T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense are a few names that operate under the TJX group. Currently, around 340,000 employees worldwide work in the TJX group of companies. The company’s main focus is on providing the best quality fashion merchandise at a very low price.

Final review and conclusion

TJX Rewards credit cards are good options for regular shoppers who shop at the TJX group of companies. A 5% cashback saving on every purchase and Synchrony Bank customer service makes this credit card a good option for TJX customers. Customers may also get a Mastercard that they can use outside the TJX.

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