Well, in a nutshell, you can say that a credit card allows you to purchase goods and services without carrying cash. It is also a popular means of online payment provided through a financial company. There are various types of credit cards that come with different rewards and benefits. To name some major credit cards are Visa, MasterCard, Discover, and others. Lots of financial company offers credit cards with amazing rewards and benefits. However, there are few departmental stores that also offer credit cards issued through financial companies. TJX also one of those departmental stores that provide TJX credit cards.
If you are someone who is a frequent consumer of TJX stores and its affiliated stores or a deal-savvy who is usually a bargain hunter. Then trust me you will love its two cards: Rewards and Platinum MasterCard. Lets quickly jump into the description of this credit card. Just stay tuned till the end to know more about TJX Credit Card.
About TJX Credit Card
First of all, you should know what is TJX is all about. Well, TJX is an American multinational departmental store that offers off-price products. If you are a shopping enthusiast then let me inform you that you can shop for almost all the necessary products. Including clothes, food, footwear, bedding, furniture, jewelry, beauty products, and housewares.
Coming to the point, if you love to shop frequently and want to earn and save on your purchases. Then you can opt for credits cards that TJX offers. It offers major credit cards namely TJX Rewards Credit Card and TJX Rewards Platinum MasterCard. You can use these purchases made in TJMaxx stores and its affiliated stores. TJX operates brands to name TJMaxx, Marshalls, HomeSense, Sierra, Winners, and HomeGoods. Both credit cards offer amazing benefits and rewards at $0 annual charges. Though, to qualify you must take care of your credit score. Like for Reward Platinum MasterCard, you need to have a fair credit score to successfully qualify for the card. Below I will go through every important point regarding both credit cards.
- No annual charges and no transaction fee
- Unlimited amount of rewards in a bucket to earn
- Notification alert/ theft protection
- Receive 1x point for every dollar spent anywhere MasterCard is accepted
- Once reach 1000 points, can earn a certificate worth of $10 of in-store credit
- Avail of 10% on first purchase in-store
- Points that never expire
- Get 5x points for every dollar spent at TJX brands
- Price protection and extended warranty
Benefits and Rewards
Well applying for any of the TJX Credit Cards, you will receive rewards and benefits that will help you get purchases at off-price. Its TJX Rewards Credit Card offers store-only facilities that can only be used at TJX brands. Its brands include TJ Maxx, Marshalls, HomeGoods, Sierra Trading Post. Whereas TJX Rewards Platinum MasterCard Card can be used anywhere MasterCard is applicable.
Both TJX credit card are available at $0 annual charges and require no foreign transaction fees. You will get avail of 10% off on the very first in-store purchase. Moreover, you can receive 5 points for every you will spend in any of the TJX brands. On the other hand, the point will reduce to 1 point on every dollar spent if the card is used elsewhere.
Another amazing benefit you will earn when your points will reach 1000. You will be issued a certificate worth $10 in-store purchases. Moreover, every point that you will earn won’t expire and you can redeem them at any time.
Unlike the TJX Rewards credit card that is only for in-store purchases, TJX Rewards Platinum MasterCard offers additional benefits. Such as standard MasterCard benefits including extended warranty, price protection, and ID theft protection. Along with unlimited rewards and benefits you can earn on these cards, it also offers notification alerts to allow you to make benefit from new arrivals.
Well, the main turning point of these TJX credit card is their high APR rates. Which is also not fixed. APR rate comes with a variable rate of 29.24%. Wherein TJX rewards credit card no cash advances are applicable. You will have to pay a cash advance fee of 29.99%.
Another downside of these credit cards that you will definitely get a reward certificate of $10 after achieving 1000 points but this certificate will expire after two years.
You would need a fair credit score to qualify for TJX Reward Platinum MasterCard, this means your choice of a card may not be considered. Whichever the card you will get largely depends on your card credit score.
You need to pay your monthly balance on time to avoid its high APR rate. Otherwise, at any card, you will have to pay the late fee of up to $35.
How to apply for this card?
Well applying for TJX Credit Card is not a very difficult task to perform. It is certainly an easy and simple application process. You can simply go to their website and can start your application by providing your personal information like name, address, and phone number. Thereafter continue to other personal info for identification purposes. Once applied for the card and get approved the process is quite fast, you will be mailed with all the further information of the TJX credit card.
This card is the best choice for those who are great enthusiasts of amazing deals and rewards will surely love one of these credit cards. It offers amazing rewards on TJX brands’ purchases and an appealing sign-up offer for those who have newly applied for the card. But you must make sure that you have good credit history before you apply for this MasterCard.