TJmaxx Credit Card is a good selection for scoring special discounts at TJ Maxx, Marshalls, HomeGoods and Sierra shops. But, considering the minimal 1 % rewards rate this card offers on all other purchases, it does not make for a really good main credit card. You are able to get this card to take advantage of when you shop at TJ Maxx, however, we recommend sticking to the next choice for all your other purchases.
This card is good for…
Earn 5 points a dollar with T.J.Maxx, Marshalls, HomeGoods as well as Sierra Trading Post stores in the U.S. and Puerto Rico and on the web at sierratradingpost.com or tjxmaxx.com. Earn one point every dollar at Marshalls in Canada and everywhere else.
Folks who are interested in a 10 % coupon just for the affiliated stores
This card is bad for…
Anyone looking for a regular credit card
Women who usually carry a balance all over their credit card
Review: Should You Apply to the TJ Maxx Credit Card?
The TJX Rewards Credit Card is able to give you great cost savings at TJ Maxx, Marshalls, Sierra and HomeGoods stores yet not much different. For purchases outside of the shops, most buyers will be better off sticking to a cash back credit card like the Chase Freedom Flex? or maybe the Citi Double Cash Card? eighteen month BT provide. Sometimes the 10 % discount that you will get on your own 1st TJ Maxx purchase with the TJX Rewards Credit Card is not as effective as the incentives you can qualify for via other rewards cards.
Keep in mind that you always have the choice to sign on for around one credit card. You can buy the TJX Rewards Credit Card and also make use of it as a secondary card in the wallet of yours. Put it to use whenever you’re looking for TJ Maxx brand stores, as well as use an additional credit card for your other day needs. This’s probably the most optimal set up. The main downside to opening two credit cards can have a negative effect on your credit score. Submitting 2 uses will cause your average age of credit to go down, along with the number of tough inquiries into the report of yours will increase? these 2 factors can have substantial effects on the score of yours. In case you were intending to apply for another loan within the next 6 12 months, you should be conscious of this as a component. However, in the long run these’re likely to not mean much.
The other thing worth noting all about the TJX Rewards Credit Card is precisely how bad its APR is actually? 27.74 % variable. This’s considerably higher than most credit cards on the market. It is also greater than what we have observed from other store credit cards. If you buy the card, you shouldn’t utilize it to carry a balance month-to-month. Be sure to constantly pay off your bill in full.
Bottom Line: The TJX Rewards Credit Card can be a good secondary card that youll be able to use to get you discounts at giving TJ Maxx markets. However, if you are interested to apply for just one new bank card to supply you with discounts and incentives, you should think about other choices.
TJmaxx Credit Card Benefits & Features The TJX Rewards Credit Card helps you Earn 5 points per dollar with T.J.Maxx, Marshalls, HomeGoods and Sierra Trading Post stores in the U.S. and also Puerto Rico and on the web at sierratradingpost.com or tjxmaxx.com. Earn one point per dollar at giving Marshalls in Canada and everywhere better. You can in addition utilize this card wherever Mastercard is accepted. Doing this will award you with one point per dollar. Each time you generate 1,000 points, they’re able to be redeemed for a ten dolars rewards certificate that can be used at the card’s affiliated models. The certificate isn’t redeemable for real funds, meaning this card is not a real cash back credit card. Your reward certificate will even expire two years after it’s given, so that ensure you only use the points of yours as soon as you’re prepared to use them? otherwise you run the chance of wasting them.
In lieu of a traditional charge card bonus, the TJmaxx Credit Cardgives you ten % off your first online or in-store purchase. This pales in comparison to other bank card bonuses. For example, most decent cash back credit cards generally reward you with $100 once you spend a minimum of $500 on your card in the first 3 months of card membership. Even in case your first in-store purchase was $500, you’d just acquire $50 off.
Important: The tiny print due to this credit card outlines some restrictions on the ten % discount. If you use because of this card online, the discount can just be used towards a web-based purchase. It might be important, if you don’t want to deal with shipping costs. These will take in away into the savings of yours. When you implement for the card in other ways, like in store, you are going to receive a coupon through the mail for the ten % price cut. This can then be used in-store just.
The TJmaxx Credit Cards includes an APR of 27.74 % variable. This is more than ten percentage points higher compared to the normal charge card APR. We don’t recommend anyone to every carry a balance on this particular charge card, since this high APR could cause interest costs to be astronomically high.
So how Does the TJX Rewards Credit Card Compare to Other Credit Cards?
To figure out the true worth with the TJX Rewards Credit Card, it’s crucial to know how it fits within the greater context of the credit cards industry. We compared it to some cash back credit cards, which allows us to emphasize this card’s strengths and weaknesses, as we see on FintechZoom.
TJmaxx Credit Cards. Chase Freedom Flex?
The Chase Freedom Flex? is actually one of the best cashback credit cards around which enables it to give you some substantial savings. However, it won’t be extremely useful at giving TJ Maxx stores. The card enables you to Earn five % cash back on purchases that are eligible in rotating categories, five % on traveling purchased by Chase, 3 % on drugstores and dining, in addition to one % on any other purchases. Usually, the fourth quarter of each season includes department stores as a group. However, it has to be mentioned that TJ Maxx isn’t categorized like a department store. Therefore, you’ll probably never get more than 1 % money back at these shops with the Chase Freedom Flex? The situation is reversed when you think about non TJ Maxx purchases. While the TJmaxx Credit Card will usually just give you an one % return other than TJ Maxx, the Chase Freedom Flex? has the possibility to make you up to five %.