The first T.J.Maxx opened its doors in 1977, giving birth to a one-of-a-kind off-price clothing and home fashion go-to spot. Today, as of November 2023, its parent company boasts a whopping 4,800+ stores across North America, Europe, and Australia. With customers all around the world, T.J.Maxx has positioned itself as the go-to destination to catch incredible steals. And, for those who want to maximize their savings, they released the TJX Rewards card which is issued by Synchrony Bank, making it a lucrative destination for shoppers. In this article, we will look at how to log in, register, and make payments with the T.J.Maxx Credit Card.
How the TJX Rewards Credit Card works:
As a T.J.Maxx credit cardholder, you’ll earn 5 points per spent at T.J.Maxx, Marshalls, HomeGoods, and Sierra Trading Post. Rack up points and you’ll win reward certificates to redeem in-store! Plus, you’ll get a discount on your very first purchase when you open your account – instant savings!
So in a nutshell, this card turns you into a total VIP at your fave T.J.Maxx family stores. You’ll score points on every shopping trip that turns into real rewards. That’s something that I would not want to miss.
The card’s perks are limited to those stores only. And the APR is on the high side, so carrying a balance month-to-month gets pricey. But if you’re a loyal T.J.Maxx shopper, this card definitely helps you save as you spend.
Types of T.J.Maxx Credit Cards:
Synchrony Bank offers two unique T.J.Maxx cards – the TJX Rewards card and the TJX Rewards Platinum Mastercard. Let’s break down what each card brings to the table:
TJX Rewards Card:
Where to use: This card can be used at T.J.Maxx, HomeGoods, Marshalls, Sierra, and HomeSense stores and their websites.
Earning rewards: With the TJX Rewards card, you can rack up points for every eligible purchase you make. These points translate into savings, allowing you to score even more killer deals.
Responsibility matters: To keep enjoying this perk, it’s essential to maintain good standing with your credit account.
TJX Rewards Platinum Mastercard:
Versatility: This Platinum Mastercard isn’t exclusive to T.J.Maxx spots; it’s accepted everywhere. So, it’s your ticket to great deals beyond the T.J. Maxx family.
How to Register for an Online Account:
Step 1: Go to the Synchrony Bank website and find the page to register your T.J.Maxx credit card online.
Step 2: Then, enter your T.J.Maxx credit card number and billing ZIP code when prompted.
Step 3: Click “Continue” to move forward.
Step 4: Follow all on-screen instructions to complete your online registration.
Step 5: Be sure to save your user ID and password for future logins.
How to Make an Online Payment:
Step 1: Go back to the Synchrony Bank website and find the login page for your T.J.Maxx credit card.
Step 2: Enter the user ID and password you created when registering your account.
Step 3: Click “Secure Login” to access your credit card account.
Step 4: Have your bank account number and routing number ready.
Step 5: Follow the payment prompts to complete your online payment.
Step 6: Confirm all payment details before submitting.
How to Make Payment by Phone:
Step 1: Firstly, gather your credit card and bank account or debit card information.
Step 2: Call the customer service number for your specific T.J.Maxx card:
TJX Rewards Credit Card: 800-952-6133
TJX Rewards Platinum Mastercard: 877-890-3150
Step 3: Then, enter your credit card account number when prompted.
Step 4 Follow the automated system to make your payment.
How to Make Payment by Mail:
Step 1: Write a check or get a money order for at least the minimum payment amount.
Step 2: Include the payment coupon from your monthly statement.
Step 3: Mail to the address for your specific card:
TJX Rewards Platinum Mastercard: PO Box 669819, Dallas, TX 75266-0773
TJX Rewards Credit Card: PO Box 669818, Dallas, TX 75266-0772
Step 4: Be sure to mail in time to arrive by the due date.
Make an Online Payment Without Logging In:
Step 1: Go to the Synchrony Bank website and click “Pay as Guest” on the login page.
Step 2: Enter your T.J.Maxx credit card number, the last 4 digits of your SSN, and the billing ZIP code.
Step 3: Click “Continue” and follow the payment prompts.
Step 4: Confirm your payment details before submitting.
The “CATCH”?
The big catch is that lofty 26.99% APR. That high-interest rate can totally erase your rewards savings if you carry a balance month to month. Here’s our advice – take advantage of the perks by using your T.J.Maxx card for purchases, but pay off the balance in full each billing cycle. That way you earn points without taking on interest charges. If you ever need help paying down your balance, tools like Tally can give you a line of credit at a lower rate. That makes it easier to pay off card debt faster and avoid that painful APR! No matter what, make sure your payments are on time since late fees add up too.
Frequently Asked Questions:
Q: What is the phone number to call to make a payment?
A: The number is 800-952-6133 for the TJX Rewards credit card and 877-890-3150 for the TJX Rewards Platinum Mastercard.
Q: What are the late fee amounts if I miss my payment due date?
A: The late fee is $27 if you are late once. It increases to $38 if you are late more than once in a 6-month period.
Q: What is the mailing address to send a payment by mail?
A: When it comes to mailing address you can mail to PO Box 669819, Dallas, TX 75266-0773 for TJX Rewards Platinum Mastercard. For TJX Rewards Credit Card, you can mail to PO Box 669818, Dallas, TX 75266-0772.