T.J. Maxx Credit Card: Is it a Good Deal?

If you shop at T.J. Maxx or one of its affiliate stores including HomeGoods, Marshalls, or Sierra you may wonder if the T.J. Maxx credit card is worth it. You see it advertised throughout the store and on their website, so it must be a good deal, right?

You get rewards for shopping at your favorite stores, so why not?

Before you apply for this credit card, here’s everything you must know.

What is the T.J. Maxx Credit Card?

The T.J. Maxx Rewards credit card is a Mastercard that you can use anywhere Mastercard is accepted. You can use it like any other credit card, but you get the most rewards when using it at T.J. Maxx or its affiliate stores.

Don’t let the name ‘rewards’ in the credit card name fool you. While they pay rewards, they mostly pay them for shopping at the TJX stores.

Where can you use It?

You can use the T.J. Maxx credit card anywhere they accept Mastercard. You’ll get the most rewards if you use it at T.J. Maxx branded stores, though. You can buy anything at the TJX stores and earn higher rewards than anywhere else.

What Rewards does the T.J. Maxx Credit Card Offer?

The T.J. Maxx Rewards credit card provides savings at all T.J. Maxx stores by rewarding you with points for your purchases. You earn 5 points for every dollar spent at T.J. Maxx, HomeGoods, Marshalls, or Sierra. You also earn 1 point for every dollar spent anywhere else.

What are T.J. Maxx Rewards?

T.J. Maxx rewards are certificates you can use at any T.J. Maxx, HomeGoods, Sierra, or Marshalls. You can use them like a coupon or gift certificate toward your purchase. For example, if you have a $10 certificate and your total is $20, you’d only pay $10 out of pocket using your certificate.

How do you Redeem your Rewards?

You must earn 1,000 points to redeem them for a $10 T.J. Maxx reward. 1,000 points is equal to $1,000 in ‘regular’ purchases or $200 in purchases at T.J. Maxx or one of its affiliates. You can see how much more beneficial it is to use the card at T.J. Maxx versus anywhere else.

Is there a Bonus Offer?

Most rewards credit cards come with a bonus offer, such as $150 off your next statement if you spend $1,000 in the first 90 days. The T.J. Maxx credit comes with an offer, but not one like you’d see on most reward credit cards. You get 10% off your first in-store or online purchase at one of the TJX stores.

If you spend $200, that’s $20 off your order. If you compare that to the standard sign up bonuses reward credit cards offer, it’s not much. 

Pros and Cons of the T.J. Maxx Credit Card

It’s always important to weigh the pros and cons of any credit card before you apply for it. Here are the good and bad about the T.J. Maxx credit card.


  • If you shop at T.J. Maxx and its affiliate stores, you can get a $10 reward for every $200 you spend
  • You can earn points shopping anywhere else at a rate of a $10 reward for every $1,000 you spend
  • T.J. Maxx credit cardholders get access to exclusive deals and sales
  • Your T.J. Maxx rewards points never expire
  • The T.J. Maxx certificates are good for 2 years
  • You can use your reward certificates online or in-store


  • You can only use your welcome bonus at the store you applied for the card at if you shop online, but you can use it at any TJX store in person
  • Most reward credit cards pay much more than 1 point per $1 spent 
  • The card carries a high APR compared to other cards

Who Should use the T.J. Maxx Credit Card?

If you’re a T.J. Maxx fanatic, then the T.J. Maxx credit card makes sense. If you shop there often and will use the rewards, it can be a great secondary rewards credit card.

No one should use it as their primary rewards credit card, though. Many other credit cards offer much higher rewards for general purchases, and some even pay higher rewards for restaurant, grocery, and gas purchases.

It doesn’t hurt to have the T.J. Maxx card in your wallet, reserving it for when you shop at T.J. Maxx stores but don’t use it for general purchases if you have access to a higher paying rewards credit card.

How to Apply for the T.J. Maxx Credit Card

You can apply for the T.J. Maxx credit card online at any of the TJX stores or in-store at any of the stores. Just tell the cashier you want to apply for the card, and they’ll walk you through the steps.

It takes only a few minutes to apply and you’ll have an answer instantly. Everyone can access and manage their account online, but you can also choose to receive paper statements if you prefer.

Final Thoughts

Is the T.J. Maxx credit card worth it?

It depends on where you like to shop. If you frequent the TJX stores in person or online, then it’s a great way to earn money back toward your purchases fast. If you don’t, though, you won’t earn rewards fast and even if you do, the rewards are only redeemable at TJX stores. 

The T.J. Maxx rewards credit card is a great option to have in your wallet for when you shop there because why not get the points, right? But don’t forgo it for another credit card that may pay higher rewards for general purchases.

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