Review: TJX Rewards Credit Card

tj-maxx-ccThe TJX Rewards credit card is the credit card of TJ Maxx as well as Marshalls, HomeGoods, and Sierra Trading Post. Instant approval is an excellent possibility with this card, though that does not necessarily mean you can use the card instantly — you may be approved today but have to wait to get the card in the mail.

Frequent TJ Maxx (and other TJX store) shoppers will appreciate the card’s main reward: you’ll earn a $10 TJX Rewards certificate for every 1000 points accumulated. You get 5 points per dollar on TJX store purchases with your card, and, if your credit is good enough to qualify for the TJX MasterCard, you can also earn 1 point per dollar on any other purchases you make with the card. (Note that if your credit history is not so good you might be approved for the TJX store card that is only accepted within the TJX family of stores.)

In addition, upon approval for a card, you’ll get 10% off your first purchase with your card.

The TJX credit card is issued by Synchrony Bank. It has no annual fee, but its 27.99% interest rate is nothing to smile about. You don’t want to get instantly approved just to pile up debt at such a high interest rate.