Credit Cards » T.J. Maxx

T.J. Maxx Credit Cards Alternatives

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.

Alternative Credit Cards for T.J. Maxx Shopping and more

  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included.
  • Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.90% - 24.40% Variable$0 - $99
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness. Please note, there is a fee for balance transfers
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% (12 months (on balance transfers made within 45 days of account opening))N/A16.49%, 20.49% or 23.49%* Variable$89 - waived first year
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair/BadN/AN/ASee Terms*See Terms*
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)N/A12.49%, 20.49% or 25.49% variable$0

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.