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.

Credit Cards for T.J. Maxx Shopping and more

BEST for FAIR Credit
  • Unlimited 1% cash back gas rewards.
  • Get pre-qualified without affecting your Credit Score.
  • 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!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a24.90%$0
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • Cash back doesn′t expire and there′s no limit to how much you can earn.
  • 0% intro APR on purchases until September 2015; 22.9% variable APR after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is ever lost or stolen.
  • 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 / Limited0%
(until
September
2015)
0%
(until
September
2015)
22.9% (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
  • 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
  • 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.