Have you ever wondered how to unlock even more savings and exclusive perks at your favorite off-price retailers like T.J. Maxx, Marshalls, HomeGoods, and Sierra? If you're a frequent shopper, or even just an occasional bargain hunter, getting involved with the TJX Rewards program is definitely something to consider. It's designed to give back to loyal customers, and with a little know-how, you can start earning rewards on nearly every purchase. Let's dive into the ultimate guide to getting TJ Maxx rewards!
The Key to TJ Maxx Rewards: The TJX Rewards Credit Card
The primary and most rewarding way to earn TJ Maxx rewards is through the TJX Rewards Credit Card. This isn't just a store card; there are actually two versions, and one offers benefits far beyond the TJX family of stores.
Step 1: Discover Your TJX Rewards Card Options – Which One Is Right for You?
Before you even think about applying, let's explore the two types of TJX Rewards Credit Cards, both issued by Synchrony Bank. Understanding the difference is crucial to maximizing your rewards!
Sub-heading: The TJX Rewards Credit Card (Store Card)
This card is specifically for use at T.J. Maxx, Marshalls, HomeGoods, Sierra, and HomeSense stores, both in-store and online within the U.S. and Puerto Rico. It's a great option if you only shop at these retailers and want to earn rewards on those purchases.
Sub-heading: The TJX Rewards Platinum Mastercard
This is the more versatile option. In addition to earning rewards at all the TJX family of stores, you can use the TJX Rewards Platinum Mastercard anywhere Mastercard is accepted. This means you can earn points on your everyday purchases like groceries, gas, and dining out, bringing you closer to rewards much faster. Most people find this to be the more beneficial card due to its wider acceptance.
Step 2: Applying for Your TJX Rewards Credit Card
Ready to start earning? The application process is straightforward.
Sub-heading: Prequalify Without Impacting Your Credit Score
Did you know you can see if you prequalify for the TJX Rewards Credit Card without it affecting your credit score? This is a fantastic first step if you're unsure about your eligibility. You can usually find the "See If I Prequalify" option on the TJX Rewards credit card pages of any of the TJX family websites (like tjmaxx.com or homegoods.com).
Sub-heading: The Application Process (Online or In-Store)
You can apply for the TJX Rewards Credit Card online or in-store at any T.J. Maxx, Marshalls, or HomeGoods location.
Online Application: Visit tjmaxx.com or tjxrewards.com and look for the "Apply Now" button. You'll be asked to fill out a secure application form.
In-Store Application: Simply ask a cashier or customer service representative about applying for the card. They will guide you through the process, often using a secure terminal.
Important Note: When you apply, you might initially apply for the Platinum Mastercard version. If you don't meet the credit requirements for that, you may still be offered the store-only TJX Rewards Credit Card.
Sub-heading: Instant Approval and Temporary Card Number
If approved, you might receive a temporary card number for immediate online and in-store use within the TJX family of stores. Your physical card will typically arrive in 7-10 business days.
Step 3: Understanding How You Earn Rewards Points
Now that you have your card (or are planning to get one!), let's break down how you accumulate those valuable reward points.
Sub-heading: Earning Points at TJX Family Stores
This is where the magic happens for frequent shoppers! With either the TJX Rewards Credit Card or the TJX Rewards Platinum Mastercard, you'll earn:
5% back in Rewards (or 5 points per $1 spent) every time you shop at T.J. Maxx, Marshalls, HomeGoods, HomeSense, or Sierra. This applies to both in-store and online purchases. There's no limit to the amount of Rewards you can earn!
Sub-heading: Earning Points Everywhere Else (Mastercard Holders Only)
If you have the TJX Rewards Platinum Mastercard, you'll also earn:
1% back in Rewards (or 1 point per $1 spent) anywhere else Mastercard is accepted. This is a fantastic way to earn points on your everyday spending, effectively turning your regular purchases into TJ Maxx discounts.
Sub-heading: Points Accumulation and Expiration
Points don't expire!
Every 1,000 points you earn translates into a $10 Rewards Certificate.
Step 4: Redeeming Your TJ Maxx Rewards Certificates
Earning is only half the fun! Redeeming your Rewards Certificates is how you get to enjoy those hard-earned discounts.
Sub-heading: Digital Rewards Certificates – Fast and Convenient
One of the best features of the TJX Rewards program is the ability to access your Rewards Certificates digitally, often within 48 hours of earning them!
Register and Link Your Card: To access digital certificates, you'll need to register your TJX Rewards credit card account at tjxrewards.com. Then, link your TJX Rewards credit card account to your TJX retail account (e.g., your tjmaxx.com account). You can do this through the websites (tjmaxx.com, marshalls.com, homegoods.com) or their respective mobile apps.
Quick Tip: Log in to your favorite brand's website/app, go to the "Rewards" or "My Account" section, and follow the prompts to link your card by signing into your tjxrewards.com account.
In-Store Redemption: Once your card is linked, your digital Rewards Certificates will be available when you sign in on the T.J. Maxx, Marshalls, or HomeGoods apps. You can simply scan them at the register. If you prefer, you can also log in to tjxrewards.com and print out your certificates.
Online Redemption: During the payment section of online checkout on tjmaxx.com, marshalls.com, or sierra.com, you'll see an area to apply your Rewards Certificates. If your card is linked, they should automatically be available. You may also need to manually type in the certificate number and CSC (Certificate Security Code) if prompted.
Sub-heading: Mailed Rewards Certificates
If you haven't linked your card digitally, or if you prefer paper, Rewards Certificates may also be included with your billing statement within one or two billing cycles. You can then present these paper certificates for in-store redemption.
Sub-heading: Redemption Rules
Rewards Certificates are typically good for up to two years from the date they are issued.
They can be redeemed in-store or online across the TJX family of stores.
They cannot be used to purchase gift cards, e-gift cards, or third-party gift cards, nor can they be exchanged for cash.
Any remaining amount of a Rewards Certificate after a purchase will typically stay valid or may be issued as store credit for future purchases.
Step 5: Enjoying Additional Cardmember Perks
Beyond the points and certificates, the TJX Rewards Credit Card comes with several other appealing benefits:
Sub-heading: Welcome Offer
10% off your first in-store purchase when you're approved for the card. There may be some conditions based on where you apply (online vs. mobile vs. in-store), so always check the specific offer details.
Sub-heading: Exclusive Shopping Events & Offers
Access to exclusive private shopping events where you can be among the first to shop new arrivals or special collections.
Surprise and delight opportunities from your favorite brands.
Cardmember-only free shipping offers for online purchases.
Sub-heading: Monthly Sweepstakes Entries
Every time you shop at a TJX family store with your card, you get an entry into the "Lucky 25" monthly sweepstakes for a chance to win a $100 Gift Card!
Step 6: Managing Your TJX Rewards Account
Staying on top of your rewards is easy with online account management.
Sub-heading: Online Account Access
Visit tjxrewards.com to manage your TJX Rewards Credit Card account. Here you can:
Pay your bill online
Check your statement
Update your account information
View your Rewards balance and available certificates
Register your card if you haven't already.
Sub-heading: Mobile App Management
If you've linked your card to your T.J. Maxx, Marshalls, or HomeGoods app, you can also view your Rewards balance and access digital certificates directly within the app.
10 Related FAQ Questions: How to Maximize Your TJ Maxx Rewards
How to check my TJ Maxx rewards balance?
You can check your TJ Maxx rewards balance by logging into your account at tjxrewards.com, or if you've linked your card, within the T.J. Maxx, Marshalls, or HomeGoods mobile apps.
How to redeem TJ Maxx rewards online?
To redeem TJ Maxx rewards online, ensure your TJX Rewards Credit Card is linked to your tjmaxx.com (or
How to use TJ Maxx rewards in-store?
If your card is linked to your app, simply sign in to the T.J. Maxx, Marshalls, or HomeGoods app, go to the rewards section, and a scannable digital certificate will be available. Otherwise, you can print certificates from tjxrewards.com or use ones received in your billing statement.
How to link my TJX Rewards card to my online account?
Log in to your tjmaxx.com (or other TJX brand) account, navigate to the "Rewards" section under "My Account," and click "Link My Card." You'll then be prompted to sign in with your tjxrewards.com credentials to complete the linking process.
How to get the 10% off welcome offer from TJ Maxx?
Apply and be approved for a TJX Rewards Credit Card, and you'll receive a 10% off coupon valid on your first in-store purchase (or online, depending on where you apply).
How to contact TJX Rewards customer service?
For issues related to your TJX Rewards Platinum Mastercard, call 1-877-890-3150. For the TJX Rewards Credit Card (store card), call 1-800-952-6133.
How to avoid interest charges on my TJX Rewards card?
Always pay your full statement balance by the due date each month to avoid incurring interest charges, as retail credit cards often have higher APRs.
How to know which TJX Rewards card I qualify for?
When you apply, you typically apply for the Platinum Mastercard. Synchrony Bank will determine which card you qualify for based on your creditworthiness. You can also use the prequalification tool to get an idea without affecting your credit score.
How to get a physical TJX Rewards certificate if I lost it?
If you've registered and linked your card, your certificates are available digitally on tjxrewards.com or the TJX brand apps. If you haven't linked, you might need to contact customer service for assistance, or they will be on your billing statement.
How to earn rewards faster with TJ Maxx?
Use your TJX Rewards Platinum Mastercard for all your purchases, not just those at TJX stores, to earn points more quickly. Focus your major shopping trips on TJX family stores to maximize the 5% back.
