T.J. Maxx, a treasure trove for bargain hunters, offers a fantastic way to stretch your budget even further: TJX Rewards! If you love discovering incredible deals on fashion, home goods, and more, then understanding how to earn and redeem these rewards is your key to maximizing your savings. Forget those fleeting sales; with TJX Rewards, you can unlock discounts consistently.
Ready to become a savvy TJX Rewards earner? Let's dive in!
Step 1: Are You Ready to Unlock Serious Savings? The TJX Rewards Credit Card is Your Gateway!
Before we go any further, let's be clear: the primary and most rewarding way to earn TJX Rewards is by becoming a TJX Rewards Credit Card holder. This isn't just a simple loyalty program; it's a co-branded credit card that supercharges your earning potential across the entire TJX family of stores.
Why a Credit Card? Unlike many traditional store loyalty programs that simply track your purchases for a small perk, the TJX Rewards Credit Card allows you to accumulate points that convert into valuable Rewards Certificates. Think of it as getting paid to shop for what you already love!
Two Flavors, One Goal: TJX offers two versions of its credit card: the TJX Rewards Credit Card (store card) and the TJX Rewards Platinum Mastercard®. While both earn you points at TJX stores, the Platinum Mastercard offers the added benefit of earning points everywhere else Mastercard is accepted. This means your everyday spending on groceries, gas, and bills can contribute to your TJX Rewards!
So, are you ready to take the first step towards a more rewarding shopping experience? Let's get you set up!
Step 2: Applying for Your TJX Rewards Credit Card
Applying for the TJX Rewards Credit Card is a straightforward process, and you have a couple of convenient options.
Sub-heading: Online Application – Quick and Convenient
Visit the Official TJX Rewards Website: Navigate to
tjxrewards.comor directly to the T.J. Maxx website and look for the "TJX Rewards Credit Card" section.Look for "Apply Now" or "See if I Prequalify": You'll typically find prominent buttons to start your application. It's often recommended to use the "See if I Prequalify" option first, as this allows you to check your eligibility without impacting your credit score. If you prequalify, you can then proceed with the full application.
Complete the Application Form: You'll be asked for standard personal and financial information, including your name, address, Social Security Number, and income details. Ensure all information is accurate to avoid delays.
Review Terms and Conditions: Before submitting, carefully read the terms and conditions, including the Annual Percentage Rate (APR) and any associated fees. Remember, this is a credit card, so responsible use is key.
Submit Your Application: Once you've reviewed everything, submit your application. You often receive an instant decision.
Sub-heading: In-Store Application – Get Assistance
Visit Any TJX Family Store: Head to your local T.J. Maxx, Marshalls, HomeGoods, HomeSense, or Sierra store.
Speak to an Associate: Inform a cashier or customer service associate that you're interested in applying for the TJX Rewards Credit Card.
Fill Out the Application: They will guide you through the application process, which typically involves filling out a digital or physical form.
Instant Decision (Often): Similar to online, you may receive an instant decision on your application. If approved, you might even get a temporary card number for immediate use.
First Purchase Bonus Alert! Regardless of how you apply, if approved, you'll generally receive a 10% off coupon for your first in-store or online purchase made with your new TJX Rewards Credit Card. This is an excellent initial boost to your savings!
Step 3: Understanding How You Earn Points
Once you have your TJX Rewards Credit Card, earning points becomes automatic and incredibly rewarding.
Sub-heading: Earning at TJX Family Stores
5 Points Per $1 Spent: This is where the magic happens! When you use your TJX Rewards Credit Card at any T.J. Maxx, Marshalls, HomeGoods, HomeSense, or Sierra store (online or in-store in the U.S. and Puerto Rico), you earn an impressive 5 points for every dollar you spend. There's no limit to the amount of Rewards you can earn!
Sub-heading: Earning Everywhere Else (with the Platinum Mastercard)
1 Point Per $1 Spent: If you have the TJX Rewards Platinum Mastercard, you're in luck! You'll also earn 1 point for every dollar spent anywhere else Mastercard is accepted. This includes your everyday purchases like groceries, gas, dining out, and more. This makes it a powerful card for accumulating rewards beyond just your TJX shopping trips.
Pro Tip: Maximize Your Earning! Make your TJX Rewards Platinum Mastercard your go-to card for all your daily spending to accumulate points faster.
Step 4: Tracking Your Points and Rewards Certificates
Knowing how many points you've accumulated and when your Rewards Certificates are ready is crucial for maximizing your savings.
Sub-heading: Online Account Management
Register Your Card Online: If you haven't already, register your TJX Rewards Credit Card at
tjxrewards.com. This is your central hub for managing your account.Access Your Rewards Dashboard: Once registered and logged in, navigate to the "Rewards & Offers" tab or a similar section. Here, you can see your current point balance and any earned Rewards Certificates.
Link Your Account (if applicable): If you have separate online accounts for T.J. Maxx, Marshalls, etc., you can often link your TJX Rewards Credit Card account to these to see your rewards directly within those platforms.
Sub-heading: Mobile App Convenience
Download the T.J. Maxx App (or Marshalls/HomeGoods App): The official T.J. Maxx app (available for iOS and Android) is a fantastic tool for managing your rewards on the go.
Log In and Link Your Card: Once downloaded, log in with your TJX Rewards Credit Card credentials. The app allows you to track your progress towards your next reward and view your digital certificates.
Digital Rewards: Many cardmembers can now access their Rewards Certificates digitally within 48 hours of earning them through the app or
tjxrewards.com. This is much faster than waiting for mailed statements!
Sub-heading: Paper Statements and Email Notifications
Monthly Statements: Your paper billing statement will typically include information about your earned points and any Rewards Certificates issued.
Email Enrollment: Enroll in electronic statements or email notifications to receive updates on your rewards balance and certificate issuance directly to your inbox.
Step 5: Redeeming Your TJX Rewards Certificates
This is the moment you've been waiting for – using your hard-earned rewards to save even more on your favorite finds!
Sub-heading: How Rewards Certificates Work
1,000 Points = $10 Reward Certificate: For every 1,000 points you accumulate, you'll automatically receive a $10 Rewards Certificate. These certificates are essentially digital coupons that can be applied to your purchases.
Valid Across TJX Brands: Your Rewards Certificates can be used at any T.J. Maxx, Marshalls, HomeGoods, HomeSense, or Sierra store, both in-store and online (in the U.S. and Puerto Rico).
Expiration Date: Important Note: TJX Rewards Certificates typically have an expiration date, often around two years from the date of issue. Make sure to use them before they expire!
Sub-heading: In-Store Redemption
Digital Certificates: If you've linked your card to the T.J. Maxx app, your digital Rewards Certificates will be available to scan directly from your phone at checkout.
Printed Certificates: You can also log in to
tjxrewards.comand print out your Rewards Certificates to bring with you to the store.Via Billing Statement/Email: If you receive paper or electronic billing statements, the certificates will be included there. Simply present them to the cashier.
Cashier Scan: The cashier can scan the barcode on your digital, printed, or statement-issued certificate to apply the discount to your purchase.
Sub-heading: Online Redemption
Log In to Your TJX Account: When shopping online at tjmaxx.com, marshalls.com, or sierra.com, make sure you are logged into your account.
Linked Card Advantage: If your TJX Rewards Credit Card is linked to your online account, your available Rewards Certificates will often appear automatically in the payment section during checkout.
Manual Entry: If your card isn't linked, or you have a physical certificate, you can usually manually enter the certificate number and its security code (CSC) in the designated area during the online checkout process.
Cannot Be Used For: Rewards Certificates cannot be used to purchase gift cards, e-gift cards, or any third-party gift cards. They also cannot be exchanged for cash.
Step 6: Leveraging Additional TJX Rewards Benefits
Beyond earning points, the TJX Rewards Credit Card often comes with extra perks that enhance your shopping experience.
Sub-heading: Exclusive Shopping Events
Early Access & Special Promotions: As a cardmember, you might receive invitations to exclusive shopping events, early access to new arrivals, or special promotions tailored just for cardholders. Keep an eye on your email and mail for these exciting opportunities!
Sub-heading: Member-Only Free Shipping Offers
Online Savings: Occasionally, TJX Rewards cardmembers may be eligible for special free shipping offers on online purchases, which can be a significant saving, especially for larger items.
Sub-heading: Lucky 25 Monthly Sweepstakes
Chance to Win Gift Cards: Every time you shop at a TJX family store with your TJX Rewards Credit Card, you automatically get an entry into the "Lucky 25" monthly sweepstakes for a chance to win a $100 gift card! This is a fun bonus perk for regular shoppers.
Sub-heading: Digital Rewards Certificates
Faster Access: As mentioned, the ability to access your Rewards Certificates digitally within 48 hours of earning them means you can redeem them much quicker than waiting for a mailed statement. This is a huge convenience!
By following these steps, you'll be well on your way to earning and enjoying the many benefits of the TJX Rewards program. Happy shopping and even happier saving!
10 Related FAQ Questions
How to check my TJX Rewards balance?
You can check your TJX Rewards balance by logging into your account at tjxrewards.com or through the T.J. Maxx (or Marshalls/HomeGoods) mobile app if you have linked your credit card. Your paper billing statements also provide this information.
How to redeem TJX Rewards Certificates online?
To redeem TJX Rewards Certificates online, log in to your account on tjmaxx.com, marshalls.com, or sierra.com. During checkout, if your credit card is linked, your available certificates will appear in the payment section. Otherwise, you can manually enter the certificate number and security code.
How to apply for a TJX Rewards Credit Card?
You can apply for a TJX Rewards Credit Card online at tjxrewards.com or in person at any T.J. Maxx, Marshalls, HomeGoods, HomeSense, or Sierra store by speaking to a sales associate.
How to link my TJX Rewards Credit Card to the mobile app?
Download the T.J. Maxx (or Marshalls/HomeGoods) app, log in, and navigate to the "Rewards" or "Account" section. You'll find an option to "Link My Card" where you'll enter your TJX Rewards Credit Card account credentials.
How to know if I have the TJX Rewards Platinum Mastercard or the store card?
The TJX Rewards Platinum Mastercard can be used anywhere Mastercard is accepted and will have the Mastercard logo. The TJX Rewards Credit Card (store card) can only be used at TJX family stores. Your credit card itself or your billing statement will indicate which version you have.
How to get the 10% off welcome bonus with the TJX Rewards Credit Card?
The 10% off welcome bonus is typically offered on your first purchase made with your new TJX Rewards Credit Card after approval. If you apply online, you may receive a code for online use or a printable coupon for in-store use. If you apply via a mobile device, the coupon is usually for in-store use only.
How to earn points on purchases outside of TJ Maxx?
You can only earn points on purchases outside of T.J. Maxx and its family of stores if you have the TJX Rewards Platinum Mastercard. With this card, you earn 1 point per $1 spent anywhere Mastercard is accepted.
How to contact TJX Rewards customer service?
For TJX Rewards Platinum Mastercard inquiries, you can call 1-877-890-3150. For the TJX Rewards Credit Card (store card), call 1-800-952-6133.
How to find the nearest TJX family store?
You can find the nearest T.J. Maxx, Marshalls, HomeGoods, HomeSense, or Sierra store by using the store locator feature on their respective websites or mobile apps.
How to avoid interest charges on my TJX Rewards Credit Card?
To avoid interest charges, you must pay your full statement balance by the due date each month, just like with any other credit card. The TJX Rewards Credit Card has a high APR if you carry a balance.
