If you want to get a TJMaxx Credit Card now, then here’s the top 20 Things you should know before Sign up/Login.
Take you’re time to go through every guide on this page so you can understand TJMaxx Credit Card better.
If you are aiming handsome discounts at TJ Maxx, HomeGoods, Sierra Stores and Marshalls, you can choose to go for TJX Rewards Credit Card.
In the following section, we shall find a complete review on the TJMaxx Credit Card now.
How can it become useful to you? How can it help you to obtain high range discounts?
Answers to all these questions can easily be obtained in the following section of this article.
See This Now: Tjmaxx Credit Card Login
A Brief about TJMaxx Credit Card
This credit card has exclusively been launched to aid those who go for frequent purchases on the TJ Maxx store.
Not just TJ Maxx store, it comes with good discounts, if you choose to purchase goods from Marshalls, Sierra stores, HomeGoods, etc.
However, for purchases outside these stores, using TJMaxx credit card is not highly beneficial.
The discounts are not so impressive in case of the other stores.
To lure the buyers, you have to note that TJMaxx credit card comes with whooping 10% discount for shopping on TJ Maxx.
It is to be noted that a person can obtain 10% discount on his or her first use of the card at TJ Maxx store.
Since the card has been useful at a few specific stores only, it can be chosen as secondary credit card by many users.
In case if you have no interest in purchasing anything from TJ Maxx store, having TJMaxx credit card would not be a useful thing for you.
Ideally, the credit card is recommended to those who have to purchase goods frequently at the TJ Maxx store.
However, one should keep in mind that having more than one credit card is a little setback for the credit score at the initial stage.
Your credit score will not grow as per the expectation.
How to Apply for the Card for TJMaxx Credit Card?
One can apply for the card at TJ Maxx store or even online.
Here, another notable point is that ordering the card online will come with 1st time purchase discount for virtual shopping at TJ Maxx stores only.
If you apply the card by visiting the TJ Maxx stores and contacting the executive, you shall get the initial discount of 10% for both online and in-store shopping.
Interest Rates on Paying Bills
A significant thing to be noticed is that TJX Credit Card comes with around 27.24% APR.
The APR is higher than other available credit cards in the marketplace.
Even the APR is higher from other available tore credit cards.
This is a factor that one should take into consideration before applying for this credit card.
Due to high APR, it is recommended that TJXmax Credit Card holders should pay off bills at one time.
Going for monthly repayment setup could leak good amount of money as interest from your pocket.
See Also: Gander Mountain Credit Card
TJMaxx credit card Rewards and Points at a Glance
As discussed, the primary benefit of using TJMaxx credit card is to get handsome rewards against the purchases at TJ Maxx store and a few other stores.
The users shall get the credit card discounts or benefits for their online purchases and in-store purchases.
So, from this aspect, you’re to note that owing TJMaxx credit card is good as it does not discriminate the virtual buyers and in-store buyers.
Now, we have to analyze the discounts and points that the credit card has in offering for its users.
For the purchases that you do at the TJ Maxx stores, Marshalls and Sierra, you earn five points against every dollar spent.
The card can also be used anywhere, specifically at those places where MasterCard has been accepted.
In case of purchases outside the TJ Maxx stores and a few other associated stores, users shall get one reward point against every dollar that has been spent.
Once the users collect 1000 points successfully, he or she becomes eligible to redeem those points. 1000 points are equivalent to the $10.
It is to be noticed that the $10 certificate is not redeemable to cash. You can use it to make purchases at various stores, but you cannot redeem it to cash.
Once the reward certificate has been issued, you need to redeem it within the two years of the date of issue.
Thereafter, the reward certificate will turn invalid. So, instead of wasting the reward points, you should redeem them as quickly as possible.
In the following section, a few highlighting features of TJMaxx credit card shall be discussed for your convenience.
For your first online as well as in-store purchase, you shall obtain 10% discounts with the TJX Rewards Credit Card.
For every 1000 points collected by the users, $10 reward certificate will be issued. This reward certificate can be redeemed at stores when purchasing things.
However, it cannot be redeemed in cash. You shall get 5 points against every dollar spent in TJ Maxx stores with this credit card.
1 point shall be allocated against every dollar you spent at other stores or places where MasterCard is accepted.
TJMaxx Credit Card Customer care Support
TJX Rewards Credit Card has a very responsive and professional customer care department.
In case of any issues related TO TJMaxx credit card or its discounts, one can call the customer support.
Dedicated staffs are there to answer queries of the callers with precision.
In case if you have lost the card, you can contact customer care to block your card and know the process of recovery.
TJX Credit Card offers 5% reward rate at TJ Maxx, HomeGoods, Marshalls and Sierra stores.
The card offers 10% initial discount to the users.
Not suitable to qualify as everyday credit card due to high APR.
Discounts or rewards at other stores are not impressive.
At the conclusion note, it is to be said that TJMaxx Credit Card has been introduced for those who shop frequently at the TJ Maxx stores.
For your purchases on this store, you shall obtain high discounts and reward points which are redeemable for the future purchases at the TJ Maxx stores.
But, high APR is a drawback of this credit card.
One should be careful on paying bills and extending the billing period in monthly installment setup could lead you to pay high interest.
Hope you’ve understood some things about TJMaxx Credit Card today?