Credit Cards » T.J. Maxx Credit Cards

T.J. Maxx Credit Cards

T.J. Maxx has two credit cards that their customers can apply for - the T.J. Maxx MasterCard and the TJX Rewards credit card. The MasterCard is a traditional credit card that can be used anywhere, while the TJX Rewards card is a store charge card. Both TJ Maxx credit cards though are part of the same rewards program in which members earn points as they shop, and then redeem those points for merchandise.

  • Unlimited 1% cash back gas rewards.
  • No limit to the gas rewards you can earn.
  • Get Pre-Qualified without affecting your credit score.
  • Automatic reviews for credit line increase opportunities.
  • Zero fraud liability protects you from unauthorized charges.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/A*N/A*17.90% -
23.90% (Variable)*
$35-$99*
  • Start with a $0 intro annual fee for the first year; $19 after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limitedn/an/a24.9% (Variable)$0 intro for first year;
$19 after that
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 150,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Black Friday sale today at Fingerhut!
  • $50 OFF $200 - Promo Code NC676. ENDs on December 5, 2014.
  • *SEE Fingerhut.com Site for Terms & Conditions.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a24.90%$0
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars± and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power.±
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%±. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0%
(18 months)
0%
(6 months)
10.99% -
22.99% Variable±
$0
  • Get the credit you need with a competitive rate.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limitedn/an/a20.9% (Variable)$39
  • No annual fee.
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
  • Use the points you earn like cash to pay for almost any purchases you´ve made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / Averagen/an/a24.99%* (Variable)$0
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a0.00%See terms

TJX Rewards® Credit Cards

The T.J. Maxx discount designer clothing chain, founded in 1976, has nearly 2,700 stores worldwide, with nearly 1,000 of them in the U.S. They carry clothing and housewares, which are typically priced at 20% to 60% cheaper than other retailers. Merchandise includes clothing for men, women, children, and infants, as well as home goods like rugs, linens, and kitchen utensils.

T.J. Maxx offers two branded credit cards - the TJX Rewards Credit Card, which is basically a store charge card, and the TJX Rewards Platinum MasterCard, issued by GE Capital Retail Bank, which can be used anywhere that accepts MasterCard. The TJ Maxx Visa card is no longer available.

Consumers can apply for a TJ Maxx credit card in the store or online. You will need a fair or good credit rating to be approved. The TJX Rewards credit card, is basically a charge card, which can be used in TJ Maxx as well as its sister stores - Marshalls and Homegoods. Members earn 5 points for every dollar spent at any these three stores. They also get 10% off their first purchase as a sign-on bonus.

The TJX Rewards Platinum MasterCard offers those same rewards and bonus, as well 1 point per dollar for everyday purchases. Since it is also a traditional MasterCard members can use this TJMaxx credit card to not only shop wherever they want, but to get cash advances at ATM's. They can also access specific MasterCard programs, including their travel insurance/assistance, extended warranty, and purchase assurance programs.

Regardless of which TJMaxx credit card you have, the redemption is the same - for every 1,000 points you accumulate you receive a $10 rewards certificate, which can be used in the store or online to purchase merchandise. They work the same way a coupon or a gift card would be used, simply present them at checkout.

There is no limit to how many points you can earn with your TJMaxx credit cards. You would need to spend $200 at TJ Maxx, Marshalls or Homegoods to earn your first $10 reward. If you carry the TJ Maxx Mastercard every dollar you spend elsewhere will also help you build points toward your next reward. There is no annual fee for either of the TJMaxx credit cards.

* See Card Terms & Conditions for Details.
± Click apply for Terms & Conditions.