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About Our Ratings
Credit Needed
Good

TJX Rewards® Credit Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Purchase APR
26.99% (variable) 

This card compared to other cash back cards

Cashback on Gas
1% When You Buy, 1% As You Pay
Up to 3%
Cashback on Groceries
1% When You Buy, 1% As You Pay
Up to 2% at grocery stores
Cashback on other
1% When You Buy, 1% As You Pay
1%
Purchase APR
26.99% (variable) 
13.24% - 23.24%* (Variable) 
13.24% - 23.24% Variable APR on purchases and balance transfers 
Rates and Fees
CardRatings.com Editorial Staff

TJX Rewards® Credit Card details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
N/A
Purchase Intro:
APR:
N/A
Purchase APR:
26.99% (variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 N/A
 N/A
Margin:
 23.74% (see Notes)
 N/A
 N/A
APR:
  26.99% (variable)
 N/A
 N/A
APR Floor:
 None
 N/A
 N/A
Intro Rate:
 N/A
 N/A
 N/A
Intro Period:
 N/A
 N/A
 N/A


Finance Calculation Method:
 Daily Balance
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 N/A
Late Fee:
 Up to $35
Over-the-limit Fee:
 N/A
Balance Transfer Fee:
N/A  


Notes:

Rebate Description:
 10% off your first in-store purchase with your card. Earn 5 points for every $1 you spend TJ Maxx, Marshall's, Home Goods and Sierra Trading Post. Receive $10 in Rewards Certificates for every 1,000 points earned.
Special Notes:
 Retail Credit Card for use at TJ Maxx, Marshalls, HomeGoods and Sierra Trading Post. APR Note: Rate reflected above is per the Synchrony Bank website as of 1/25/2016, and is based upon a Prime Rate of 3.25%. Contact Synchrony to see if the rate has adjusted since that date.
Credit Card More Information:

Card Issued By:
 Synchrony Bank
General Correspondence Address:
 
Card Type:
 Unknown
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Christina Griffin ( Nov 15, 2014 at 3:37 pm)

    Hoping a government agency will step in soon to review their practices. TJX, since change to Synchrony, has the poorest customer care available in the US! (Or possibly outside US as stated in other reviews) I have 9 consumer credit cards, student loan and installment credit. All paid on time. Synchrony states that payment I canceled was returned due to NSF funds. They processed my payment although I canceled it. This payment was not authorized and my account was paid on time because I paid it out of different checking amount. I inured bank fees for their error. Which they refuse to reimburse stating it was my error.


  2. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Rebecca Ryan ( Nov 14, 2014 at 5:41 pm)

    Worst company to deal with! Evidently filled with drones - as I could not find a human with feelings or common sense to speak with. I have paid every payment on time or early and often more than minimum due. I canceled two scheduled online payments in plenty of time ( before they were listed as processed) TJX processed them anyway, causing an overdraft in my checking account. To rectify their error, I quickly paid min. due out of another account, as not to be late. TJX not only closed my account because of these payments they presented without authorization, they close my account, changing my debt ratio on my credit report. Furthermore, they never reimbursed me for fees created by their mistake. Consumers Beware! Have heard that overall Synchrony / GE Bank is the Worst offender out there! BTW ratings as listed dont show meaning. I suspect previous review thought reviewed as the worst! As it was not clear I gave them a middle of the road rating - which was much too generous.


  3. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    rhonda ( Feb 21, 2013 at 8:54 am)

    REVIEW for the TJX CREDIT CARD: Terrible Customer Service!! When Chase Bank managed this card, I had no problems. It’s VERY obvious that the TJX companies, located in Framingham, MA, was looking to save a buck by switching to GE Retail Bank. Ge Retail Bank routes all it’s calls overseas where we all get to speak to people who are likely to misunderstand us when we speak or even worse, disconnect us when they cannot help us. The automated system is atrocious. You have to suffer through at least 4 minutes of robotic requests and useless information before you are allowed the privilege of being put on hold. Also, at this critical juncture, you just might be disconnected and have to start all over! By the time you reach a person, who is likely to be speaking broken English, your brain is ready to explode. Further, even with STELLAR credit, you get the same exorbitant rate as those with poor credit. Additionally, TJX rewards preys upon those with poor credit, and through their faulty system of poor customer service and endless technical malfunctions on their website's payment system, you will end up with even worse credit scores! To top it all off, there is NO one in AMERICA to help you resolve your issues. You will simply get people from overseas, speaking as if they are reading from a script and saying the same irrelevant things over and over....your ISSUE will never be resolved. PAY off your balance and cancel this card PRONTO. Why aren’t we all complaining to TJX Companies in Framingham, MA? These are the people who decide who will be servicing it’s loyal customers!! We shop at their stores and allow these elite executives a VERY luxurious lifestyle, and yet when we want to handle our affairs, managing very small sums of money, we are put through hell. It’s NOT fair. Also, As of JUNE 2012, these executives have been dumping their stocks….the CEO, Carol Meyrowitz, just sold 5.3 MILLION in stocks…well, isn’t she the lucky one...Nice to be Carol, huh? http://www.gurufocus.com/news/178876/tjx-ceo-carol-meyrowitz-sold-5344749-worth-of-shares- TJX’s Corporate Headquarters The TJX Companies, Inc. 770 Cochituate Road Framingham, MA 01701 Main Number: 508-390-1000


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Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
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  • No changing categories and no expiration on rewards
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  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America(R) checking or savings account
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