How To Pay Your TJX Credit Card Bill

Tj maxx mastercard paymentIf you are a holder of the TJX MasterCard or TJX store card (the credit card of TJ Maxx, Marshalls, HomeGoods, and Sierra Trading Post), you will make your payment to Synchrony Bank, the issuer of the card. You can pay in any of the following ways:

  • Online:Log in to your account here and make your payment.
  • By Mail: There are different payment addresses depending on which card you have. If you have the TJX MasterCard, send payment to TJX MasterCard, P.O. Box 530949, Atlanta, GA 30353. If you have the TJX store credit card, send payment to TJX Card, P.O. Box 530948, Atlanta, GA 30353.
  • By Phone: You can make payment and get customer service help by calling one of the following phone numbers. For the TJX MasterCard, call 1-877-890-3150. For the TJX store card, call 1-800-952-6133.

Note also that you can NOT pay your TJX credit card bill at TJ Maxx, Marshalls, Home Goods, or Sierra Trading Post stores.

TJX Credit Card Payment and Login

Want to make your TJX credit card payment or login to view your statement or manage your account online? TJ Maxx is a large department store chain with stores based in the US, Canada, UK, ROI, Germany and Poland. They are the largest international clothing and fashion store chain for discount products, and they continue to grow and outsell other rival discount brand retailers. The US branch owns T.J. Maxx, HomeGoods and Marshalls, and the popular T.K. Maxx chain across Europe. Just like all major retailers, TJX offer credit cards to help frequent customers get more out of their purchases and make savings. This guide covers the credit cards that TJX have to offer, their incentives, terms and conditions, and how to make TJX Credit Card Payments. To make a payment online or manage your account, follow the link provided below on this page to the TJX credit card login. You will also find useful “pay my bill” information such as the credit card customer service number, payment mailing address, and billing phone number below. (Also see our board for TJ Maxx on Pinterest)

TJX credit cards are issued by Synchrony Financial.

There are many ways to pay your outstanding TJX credit card balance. You can visit your bank and make a transfer from there.

There is no central address to make payments via mail, and this makes it important to setup an online account with TJX.

Pay Online: The TJX Rewards online credit account allows you to monitor your account activity, view your billing statements and make payments. To make your TJX credit card payment online click the “Pay Online” button below to login, register, view your statement or manage your account online. If you are a fist time user you must register by clicking the link that reads [First Time Users: Register Here”] on that login page.

Pay by Phone: To make your payment by phone contact the number listed in your account statement or contact 1-800-952-6133.

Pay by Mail: The TJX credit card payment mailing address is TJX Rewards Payments, P.O. Box 530948, Atlanta, GA 30353. Please include your TJX account number on your check. Your account number is located on your statement. To ensure your TJX payment is received on time it is recommended that you mail your payment at least 5 business days prior to the due date shown on your monthly billing statement.

TJX Credit Card Customer Service: The TJX credit card customer service number is 1-800-952-6133.

Pay in Store: No. You cannot make payments to your TJX credit card in stores.

TJX currently offer two credit cards; the TJX Rewards Credit Card and the TJX Rewards Platinum MasterCard. Both cards are included under their Rewards scheme, which also includes gifts and gift card services. The first card can be used at all three TJX store chains, and the MasterCard can be used both there any everywhere else MasterCard is accepted, and for balance transfers.

  • TJX Rewards Credit Card – Get 10% off of your first purchase made with this card. Earn 5 points for each $1 spent at TJX stores, and for every 1,000 points you earn, you receive $10 worth of rewards certificates. No points capping so every spend counts, no annual fee, and complete fraud liability. APR for purchases is 26.99%.

TJX Rewards Platinum MasterCard – This card offers all the rewards that the previous card offers, plus further incentives thanks to MasterCard. Aside from the TJX points you receive, you also get 1 point for everywhere else that MasterCard is accepted. Get worldwide acceptance, with access to cash at any global MasterCard ATM. You get purchase protection, extended warranty on purchases, and travel services and travel accident insurance as standard with MasterCard. APR for purchases and balance transfers is 26.99%. Cash advance APR is 29.99%.

If you settle your balance in full within 23 days from the previous billing cycle (grace period), no interest is applied for next month’s statement. Minimum interest charge $2. Late payment charges up to $35. You can gain extra card protection with account balance cancellation under unemployment and other circumstances.

TJ Maxx Credit Card Review – Earn Points at T.J. Maxx, Marshalls & HomeGoods

*Editorial Note : This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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TJX Rewards Credit Card Review – Save at TJ Maxx, Marshalls, and HomeGoods

If you like to shop at TJ Maxx, Marshalls, HomeGoods, and Sierra Trading Post you might be pleased to know that there is a rewards credit card that lets you earn extra points at all of them. With the TJX Rewards Credit Card, you can shop at any one of these stores and rack up points to use towards future purchases.

The TJ Maxx credit card now comes in two forms: the TJX Rewards Credit Card and TJX Rewards Platinum MasterCard. Both cards can earn you the great rewards with every shopping experience, but let’s take a closer look to see if carrying a TJMaxx credit card is the right choice for you.

TJ Maxx Credit Card Rewards Details

The TJ Maxx credit card is all about store benefits. You’ll earn a rewards rate of 5 points per $1 spent at T.J. Maxx, Marshalls, HomeGoods and Sierra Trading Post.

For every 1,000 points you earn you’ll receive a $10 rewards certificate that are redeemable at participating T.J. Maxx, Marshalls, HomeGoods and Sierra Trading Post stores. This means that for every $200 spent in these stores, you’ll accumulate 1,000 points which translates to a $10 rewards certificate.

For those who hold the Platinum MasterCard version, you’ll also earn 1 point per $1 spent on all other purchases. There’s no limit to the number of points you can earn, but it’s important to notes that points expire two years after the issue date.

The TJMaxx credit card comes with no annual fee and you’ll also receive 10% off your first purchase. However carrying a balance with either card will be costly due the interest charges from the APR of 27.24%. Other benefits include 0% fraud liability, $10,000 of optional security available, online account management and special store discount offers for cardholders.

Tj maxx mastercard payment

TJX Rewards Credit Card vs. TJX Rewards Platinum MasterCard

You may be wondering which version of the TJX Credit Card you should to apply for. Here are the main differences between the two cards:

The Platinum MasterCard version of the TJX Rewards card is by far the better credit card. In addition to what comes standard with each card, the Platinum MasterCard version has a slew of other benefits including the ability to earn 1 point per $1 spent on all other purchases outside of T.J. Maxx, Marshalls, HomeGoods and Sierra Trading Post.

Being a MasterCard member gives you access to worldwide acceptance and a number of other perks like Price Protection and Extended Warranty Coverage.

If you’re a frequent shopper at T.J. Maxx, Marshalls, HomeGoods or Sierra Trading Post, it’s pretty incredible to be able to earn and unlimited 5x points on all your purchases with these stores. It’s also really nice that you won’t have to pay an annual fee.

The built-in fraud liability is also a great bonus because that means you're not responsible for any unauthorized charges on your account. Also, there’s no limit to the number of points you can earn.

Generally speaking, store credit cards won't be as good as the credit cards you find at major banks. The interest rate on the TJX Rewards Credit card is through the roof. The APR of 27.24% is absurd, so carrying a balance on this credit card could be extremely costly. You can also avoid paying interest by paying your balance off in full by the due date. If you don’t, you could fall into debt very quickly with this credit card.

The 1% rewards rate on purchases outside of the loyalty stores is pretty low compared to of rewards credit cards out there. It’s could also be inconvenient that your points expire after two years.

Better Rewards Credit Cards

Tj maxx mastercard paymentChase Freedom®: The cash back benefits are immense with the Chase Freedom® credit card. Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months. Unlimited 1% cash back on all other purchases. You’ll even earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening. There’s no annual fee and cash back rewards never expire. While rewards are not specific to TJX with the Chase Freedom®, you’ll be saving more money than with a TJX Rewards Credit Card.

Tj maxx mastercard payment Citi® Double Cash Card – 18 month BT offer : This credit card has a very simple and lucrative rewards program that will earn you cash back twice on every purchase. Cardholders earn 1% cash back when you buy and 1% cash back as you pay for those purchases. This card keeps it simple with no reward restrictions, caps, rotating categories, or annual fee. This card also has an intro APR of 0%* for 18 months on Balance Transfers*, making it one of the best balance transfer credit cards on the market!

Tj maxx mastercard paymentBank of America® Travel Rewards Credit Card: An excellent choice for earning rewards on travel, the Bank of America® Travel Rewards Credit Card earns Unlimited 1.5 points per $1 spent on all purchases. There’s also a chance to earn 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days. Points can be redeemed for statement credits for travel purchases such as flights, hotels, and car rentals. There’s a $0 annual fee and no foreign transaction fee, meaning more ways to save on travel.

The TJ Maxx credit card may be good for people who regularly shop at T.J. Maxx, Marshalls, HomeGoods and Sierra Trading Post, but it is impractical for anyone else.

If you do decide to apply for a TJMaxx credit card, the Platinum MasterCard version is definitely a better choice because you can earn points outside of TJX stores. Nonetheless, points earned are only redeemable for purchases at one of the TJX stores, which really limits the benefits of the rewards.

For most consumers, one of the credit cards mentioned above will be a better option than the TJ Maxx Credit Cards because they offer better rewards and lower interest rates.

*Editorial Note : Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

The TJ Maxx Credit Card: A Good Fit for Fashionistas?

Tj maxx mastercard payment

TJ Maxx has branded itself as the place to buy designer duds for less. So if you’re already in one of its stores looking for affordable Steve Madden boots or a less pricey Ralph Lauren bag, there’s a good chance you’ll be tempted to pounce on an extra 10% off at the register. That’s the bonus you’ll get for opening a TJ Maxx credit card. Of course, the opportunity to score a discount doesn’t mean you should necessarily open an account. First, you’ll want to consider how much of a Maxxinista you really are. And if you decide you’re scouring TJ Maxx and/or its sister chains Marshalls, HomeGoods and Sierra Trading Post frequently enough, you’ll have to choose which of its credit cards — the TJX Rewards Credit Card or TJX Rewards Platinum MasterCard, both issued by Synchrony Bank — is right for you. In this TJ Maxx credit card review, we’ll help you tackle both of these issues.

Tj maxx mastercard payment

There’s really only one major difference between the TJX Rewards Credit Card and the TJX Rewards Platinum MasterCard: The latter can be used anywhere MasterCard is accepted, while the former only works at TJX retailers: TJ Maxx, Marshalls, HomeGoods and Sierra Trading Post. Here’s a quick breakdown of the cards’ major terms. (Note: Please see the card agreements for full details.)

Rewards Details: In addition to that 10% off your first purchase, cardholders get 5 points for every dollar spent at TJMaxx, Marshalls, HomeGoods and Sierra Trading Post stores. You’ll earn a $10 rewards certificate for every 1,000 points you earn.

Annual Percentage Rate: Variable 27.74%

TJX Rewards Platinum MasterCard

Rewards Details: You get the same 10% discount on your first purchase and 5 per points per dollar, similar to the TJX Rewards Credit Card. You can use this card anywhere MasterCard is accepted, and you’ll get one point on each dollar spent outside TJ Maxx, Marshalls, HomeGoods and Sierra Trading Post stores.

Annual Percentage Rate: Variable 27.74%

Should I Get a TJ Maxx Credit Card?

The 5% cash back on in-store purchases is certainly competitive as far as store credit cards go and could be worthwhile if you shop often at TJ Maxx stores. But, as you may have noticed, the variable APR on both cards (27.74%) is, well, pretty darn high. High APRs are commonplace when it comes to store credit cards, but they essentially mean that if you’re prone to carrying a balance — or fear the allure of rewards will lead you to overspend — then you’re probably better off passing up the offer.

If you do opt for a TJ Maxx credit card, you’ll be better served by the TJX Rewards Platinum MasterCard, since you can use it anywhere the network is accepted and you’ll get one per dollar on those purchases. Keep in mind, though, if your credit is in rough shape you may only qualify for the standard TJX Rewards credit card. (You can view two of your credit scores for free on

Our Picks for Alternatives to TJ Maxx Credit Cards

Here’s the other thing about TJ Maxx credit cards: Whether we’re talking the standard or the Platinum, your rewards can only be redeemed at TJX stores. That may feel like less of a drawback compared to other store credit cards, given the popularity of TJ Maxx, Marshalls and HomeGoods. But you’ve still got some redemption hoops to jump through.

First, you’ll have to accumulate 1,000 points before you can use any of them in the form of a rewards certificate. (Those certificates are issued in $10 or $20 denominations.) Points don’t expire, but certificates do two years after the issue date, and points can’t be redeemed toward TJX-brand gift cards, gift certificates, e-gift cards, any third-party cards, cash or payment on your credit card account.

Again, the card could still be worth considering if you’re a loyal shopper and you pay your balances off in full all the time. However, if your shopping habits are more fickle and you’re looking for some more flexibility when it comes to redeeming your rewards, here are two other cards to consider.

Tj maxx mastercard payment

Why We’re Mentioning It: Discover it cardholders earn 5% cash back on up to $1,500 in revolving quarterly categories and 1% cash back everywhere else. That cash back can be redeemed in any amount, at any time, with no caps or expiration dates. Plus, Discover is matching all the cash back new cardholders earn in their first year at the end of the year.

APR: Variable 11.99% to 23.99%, after the introductory 14-month APR expires.

Tj maxx mastercard payment

Why We’re Mentioning It: The standard Chase Freedom card works just like Discover it, with revolving quarterly categories you have to enroll in. But its Freedom Unlimited (see full review here) may appeal to people who are looking for something even more low maintenance. The card offers an unlimited 1.5% cash back on all purchases, with no caps or expiration dates so long as your account remains open. Cash back can be redeemed at any time, in any amount.

APR: Variable 15.99% to 24.74%, after a 15-month 0% introductory APR expires.

At publishing time, the Discover it, Chase Freedom and Chase Freedom Unlimited are offered through product pages, and is compensated if our users apply and ultimately sign up for these cards. However, these relationships do not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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