TJX RewardsTM MasterCard®

Approval Odds

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2.1 out of 5 stars
50 Reviews

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

2 out of 5 stars

2 5

Most Helpful Positive Review

Jul 28, 2016
Anonymous Cardholder

love that I got one I save %10 every time I use it. Im ganna start going to Marshalls more they have great stuff! I recommend you get a TJX card

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Most Helpful Negative Review

Nov 15, 2016
Not worth it
Anonymous Cardholder

I am a regular at Marshalls and Homegoods so I thought it'd be a great idea but I was wrong. It is not very technological  friendly. I have to end up calling alot of times to pay my bill because the online option rarely works. Plus the rewards aren't that great. There are definitely way better options out there!

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These reviews were written by current and former cardholders in the last year.

Mar 04, 2017
Not worth the hassle.
greykiddo Cardholder

Credit score went up + 30 pts., and they decreased my CL. Never late, always under 50% util., and PIF twice.

Can't pay in store, and the rewards are so-so.  

Carry at your own risk...

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Mar 04, 2017
Anonymous Cardholder

I earned rewards and they never sent them to me and won't "reissue" because you can only have one reissued in a 12 month period despite the fact that it is not a reissue at all its just sending me them once.  Terrible customer service agents that are rude and lack knowledge.

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Feb 28, 2017
Please Don't
Betzy110 Cardholder

Save yourself a lot of headaches and don't do it. I never actually received my card(originally applied a year ago). The billing statements don't show up on time or at all sometimes. The phone payments always are processed incorrectly. The online systems are not user friendly and the payments take weeks to properly process. The interest rate is awful. Run! 

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Feb 17, 2017
Anonymous Cardholder

They closed my card for not using a lot

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Feb 15, 2017
Anonymous Cardholder

I was originally given a $300 limit. Never maxed it out, and always paid my bill each month. Suddenly they lowered my limit to $100 due to a change in my credit score. I've used the card a few times since then, and always paid my bill on time. This month, I purchased $66 worth of things from tjmaxx. The bill was due on a Thursday. I went online to pay it Friday (the very next day which was payday for me), only to find out a $35 late fee was already added for being ONE day late. So I paid the $101 balance off right away and thought it was done. Nope. Two days later I get a bill for another $2.00, for INTEREST. Interest on WHAT? I paid off the entire balance two days before. So I paid the $2 interest fee and now plan to cancel the card all together. Just horrible! 

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Feb 13, 2017
TJX closed my account
BeachyMama83 Cardholder

TJX closed my account. It was the only credit card I had with a zero balance, and they closed it because my credit report changed. I am very upset about this because now my credit score took another hit due to the closure. 

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Feb 05, 2017
Anonymous Cardholder

You can't pay your bill through safari iphone browser then when you call to pay your bill they charge $10. 

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Feb 03, 2017
Anonymous Cardholder

Best credit card 

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Jan 29, 2017
Outrageous Interest Charges
Anonymous Cardholder

Very high interest rates 27%.  Very slow posting - you need to pay at least 3/4 days in advance online as payments don't post in a timely fashion and if they don't - you will be charged a hefty late fee.  Ridiculous - use another card.  

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Jan 24, 2017
Good reward bad interest
titliest72 Cardholder

High interest card so as usualy pay off. The rewards are great. You get certificates to use at the store. The down side is if you go paperless you do not know you have reward certificate to print unless you view the statement. 

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TJX RewardsTM MasterCard®