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About Our Ratings
Credit Needed
Average

TJX Rewards® Credit Card Review

Top Features

Cash Back on Gas
N/A
Cash Back on Groceries
N/A
Cash Back on Other
N/A
Annual Fee
None

This card compared to other cash back cards

Cash Back on Gas
N/A
Unlimited 1.5% cash back
1%
Cash Back on Groceries
N/A
Unlimited 1.5% cash back
2% at grocery stores
Cash Back on Other
N/A
Unlimited 1.5% cash back
1%
Purchase Intro
APR:
N/A
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
N/A
Regular APR
28.74% (Variable)
16.99% - 25.74% Variable 
16.24% - 25.24% (Variable) 
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
Regular APR:
28.74%
Annual Fee:
None

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 HeadquartersThe TJX Companies, Inc. 770 Cochituate Road Framingham, MA 01701 Main Number: 508-390-1000


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Apply online for Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99-25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Credit Needed:
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Apply online for Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
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Excellent, Good