The Mastercard comes with identity theft resolution, so you can quit worrying over what might happen if your card is ever stolen, lost, or damaged. This means you can hold onto the card and not use it without being charged each year for simply carrying it around. Neutral Outlook. Reward points of course can be used for cash back, items, or special purchases that might not be available on a regular basis. To date there are few places in the world where shoppers are welcome that Mastercard is not accepted. Low Credit, No Problem. For every $1 you spend you will gain points towards rewards offered by the card. Coverage also varies depending on full- or part-time and employed or self-employed status. The 1 point per $1 spent that the TJ Maxx Mastercard gives you at all other stores obviously pales in … Clear All. 0. The TJX Rewards Credit Card is designed for frequent shoppers of TJ Maxx and its affiliated brands like Marshalls, HomeGoods and Sierra Trading Post. You can apply for a new card at any TJX-branded location, including your local T.J. Maxx. Whether or not the Lowe’s consumer card is worth opening depends in large part on how often you shop at Lowe’s stores and how much you spend. TJ Maxx Employee Reviews about "credit card" Updated 15 Jul 2020. The card gives you an immediate 10% off coupon, so it’s a great thing to sign up for on a day that you’re making a larger than normal purchase. Credit Karma Member. You should therefore strive to always pay your monthly bill in full when using this card. It's great!! TJX Rewards Platinum Mastercard: If you’re shopping for clothes and home goods, then a TJ Maxx credit card might make sense for you. For every 1,000 points earned the shopper gets a $10 gift certificate, which is incentive to many to continue their patronage at those stores that are affiliated with TJ Maxx. Changing up your credit limit could be a good way to achieve a goal, but it could also be risky – here's a few things you should know. John S Kiernan, Managing EditorMay 20, 2020. "Credit Card Expectation Overload" 4.0 ... Former Employee - Merchandise Associate in Miami, FL. This content is not provided or commissioned by any issuer. Although serious TJ Maxx shoppers can extract value from the TJX Rewards® Credit Card, it should find a home in your wallet as a secondary card to a more rewarding cash back card that offers a lower interest rate. If you don’t like these limitations, a flexible rewards credit card can be a better fit. By that same token, the 1 point per $1 that TJX Credit Card users will receive on all other purchases equates to 1% back. Check to see if your credit card charges overlimit fees. ... Barnes and Noble and TJ Maxx. Once the theft of the original credit card is reported, the gift card will be voided, leaving the buyer with a useless piece of plastic. A free inside look at company reviews and salaries posted anonymously by employees. Additionally, you are asked to request time off three weeks in advance and it makes it difficult to plan social events. If you prize simplicity, there's no problem with using a single Plus, there’s no annual fee. Despite being the norm for credit cards these days, there is no annual fee for the TJ Maxx credit card. Even with low credit it is likely that you will qualify for a store credit card. The credit card is king at this company, and although they can't fire you if you don't get any applications, you will be constantly "coached" if you don't. Find Reviews Filter. Paying this credit card off entirely is a good idea each month, and is a good way to build your credit as you continue to make payments. This stuff should be in the trash, this company should quit advertising, the merchandise looks good in the ads but it's nothing you would actually buy in a store if you saw it. See coupon for details. TJX Rewards® Credit Card From good To exceptional (Credit Recommended 670-850) The TJX Rewards® Credit Card shaves 10% off your first purchase online or in store. Some specialist credit card providers won’t charge you to use them abroad – check out our guide Cheap cards to use abroad. Too many card companies say the same things using different words and offer deals that are similar to one another with only minor differences that can make the effort put into selecting a card seem like a headache waiting to happen. As you can imagine, there are also a few scenarios where it's in your best interest to decline or not ask for a credit limit increase on your credit card: 438 35. The credit card is more important to management than caring for employees or customers. Listed below are several ways that both cards can benefit the consumer and why they are the wiser choice when selecting a reliable credit card. The lack of any annual fee is a decided bonus that can help to make this card very enticing. **Purchases subject to credit approval. It might seem like an overwhelming negative, but if kept up, this credit card can greatly benefit your credit score. Recent recommendations regarding this business are as follows: "Drive 20 minutes over to Fairfax TJ Maxx", "DO NOT BUY OLINE AT TJMAXX! We chose the TJX Store Card rather than the TJX Credit Card, as it offers all of the TJX Credit Card’s best features and more people can get approved for it. Pros: $10 Gift certificate every time you spend $200 Pros and cons. Keep these tricks in mind the next time you're hunting through the aisles (whether IRL or virtually) at T.J.Maxx and you can rest assured you'll score the best deals in the store. The 20 Most Peaceful Places to Live in Africa, The Top Five 0-60 mph McLaren Models of All-Time, The Five Most Expensive McLaren Models of All-Time, The Five Most Expensive Hermes Watches Money Can Buy, The Five Best Louis Vuitton Watches Money Can Buy, How Ilhan Omar Achieved a Net Worth of $3 Million, How Michael Burry Achieved a Net Worth of $300 Million, How Jason Weaver Achieved a Net Worth of $4 Million, How Catherine Bell Achieved a Net Worth of $15 Million. There is no limit of reward points that you can earn with either card. The benefit in this is that you can begin to purchase and then pay off this credit card, thereby building your credit in an attempt to earn your way towards applying for the Mastercard or Platinum Mastercard. … For this benefit alone many people flock towards credit cards, and with the TJ Maxx credit card it would likely take little time to earn enough reward points to make the card worth the while. This can be a great help in an economy where most people are constantly in debt and are constantly struggling to pay their bills. At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Designer Jeans. Cons of Getting a Credit Limit Increase. The Synchrony Bank Privacy Policy governs the use of the TJX Rewards® credit card. Consider the pros and cons of each card before you commit to one. Search job titles. ; Prepaid Visa gift cards typically have an activation fee, ATM fees, and other charges. Pros and cons of changing your credit limit That's why we've made it possible to increase and decrease your credit limit to make sure it works for you. Charge cards and credit cards are similar, but not the same. Closed Card without Notice. Cons: CREDIT CARDS! For those who frequent the stores that are in conjunction with TJ Maxx however, these cards are highly advantageous. This means that asking for the same day off consistently is frowned upon. ... Cash back app pros and cons. For more information, continue reading below. 3,419 TJ Maxx reviews. In the process you can freely purchase anything you need or want at the participating stores, which feature reasonably priced items. Some risk. It comes with a $0 annual fee plus the chance to earn 5 points per dollar spent at T.J. Maxx, Marshalls, HomeGoods, Sierra Trading Post and Homesense. Just choose from great credit card alternatives such as secured credit cards, supplementary credit cards, and prepaid cards. Significant Rewards for TJX Purchases: The TJX Rewards Platinum Mastercard offers 5% back on purchases made at TJX stores, including TJ Maxx, Marshalls, and HomeGoods. So you’re better off simply saving the monthly dues for a rainy day. Most countries in the world accept them. You will receive 10% off your first purchase. With no annual fee and various shopping perks, the Lowe’s card can save you some money. A bit of market research is always necessary to truly understand a given credit-card offer. Contactless cards: the pros and cons of new payment technology ... Mike Watts, was sent a new contactless Barclaycard last year, he wasn't happy. To know more about outlets that are considered for cash back, click on the link. Contact us to interview one of our experts. As a result, we do not recommend availing yourself of this optional service. This is beneficial as it gives you the option of using the card for emergencies and then paying it down or using it when you need to, perhaps for priority shopping around the holidays, back to school, or just for fun. https://www.investopedia.com/articles/personal-finance/041415/ While some cards might limit your reward points to a maximum number, the TJ Maxx credit card will continue to accrue your points every time you shop with no ceiling. Business cards are usually available to individuals who sell any goods or services whatsoever, and most of these cards only report activity to business credit bureaus (unless they’re in delinquent status).. But 1 point per $1 is about average for a rewards card, so those who aren’t given Mastercard privileges aren’t missing out on much, considering that it represents the only meaningful difference between the two offers. All employees are cross-trained in every area, so even if you are scheduled to work in one area, you might be pulled to … There are more credit cards available today than can be easily counted. The TJ Maxx credit cards are definitely not the most ideal cards for everyone. Rewards Redemption. Coupon for 10% off your first purchase at a TJX store; No annual fee. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are WalletHub advertising partners. Excludes gift cards. The 20 Best Places for Teachers to Live in the U.S. The lack of reuse leads a lot of people toward reloadable prepaid cards instead. 0. You may be able to avoid damaging your personal credit by using a business credit card to buy a car. Please download one of these up-to-date, free and excellent browsers: Get unlimited free credit scores & reports, 2021 Victoria’s Secret Credit Card Review, 5% back on T.J. Maxx and affiliated-brand purchases (1% elsewhere). I am thinking about getting since I love to shop there all the time. https://thepointsguy.com/guide/cash-back-vs-points-and-miles Garrett by trade is a personal finance freelance writer and journalist. The authorized user can access credit without applying for a card, and your on-time payment history will show up on the user's credit report, as long as the card reports to credit bureaus. A free inside look at company reviews and salaries posted anonymously by employees. The use of this site is governed by the use of the Synchrony Bank Internet Privacy Policy, which is different from the privacy policy of TJX. You do not want to carry a balance from month to month with the TJX Credit Card Considers applicants with fair or poor credit. The TJX Rewards® Platinum Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. And in order for any benefits to kick in, you had to have been enrolled in the program for at least 30 days. Flexible schedule and easy to learn departments. This is where the TJ Maxx credit card comes in. Card can be used at TJMaxx, Marshalls, Home Goods, Sierra, and Home Sense. The TJ Maxx Mastercard is accepted worldwide, thereby negating most limits to its use. According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. Your TJX Rewards® credit card is issued by Synchrony Bank. The fact that you can receive no more than the sum of a few minimum payments and your balance before your financial problems truly began defeats the whole purpose of the program. Due to the limited nature of the card, though, it should only be considered if you shop regularly at those companies. The Good The Bad; Rewards points on every purchase at TJX stores. 1. 3,855 TJ Maxx reviews. The TJ Maxx Credit Card is a good option if you spend at least $200 at TJX Rewards brands that earn 5% back. Pros. Ten percent can be a good chunk of change when considering a high-priced purchase. If designer jeans are your thing, you’d be smart to buy them at TJ Maxx and save … 27 June 2018 The Verdict: If you like taking things to the Maxx, including your shopping list, you’re going to love the TJX Credit Card — thanks to the 10% online discount that you’ll receive on the day of account opening and the 5 points that you’ll earn for each $1 spent at T.J.Maxx, Marshalls, HomeGoods, Sierra Trading Post and tjmaxx.com. © 2021 Synchrony Bank Internet Privacy Policy Privacy Policy Online Usage Agreement Fraud Protection … Both cards also offer a grace period of 23 days to pay the bill, and it can be done online. The APR is not the nicest at 27.24%, but it invites another positive that can be borne from a negative. You’ll also earn 1 point per $1 spent outside the TJX family if you have good or excellent credit and thus get approved for the TJX Credit Card, as opposed to the TJX Store Card, which is attainable with limited/fair credit. Paying with plastic is easy, but it’s important to choose the right type of card. Drawbacks to consider include: Once you use up a prepaid gift card it's gone, and you can't add more money. You can also head online to apply using the link below. 4. This card is a good choice and a good fit for those who like to shop and are careful about paying the bill. But thankfully, there are ways to apply for a credit card even without payslips, COEs, and ITRs. With the Mastercard and the Platinum Mastercard it is possible to purchase and obtain goods and services any place that this card is accepted, which covers a wide portion of the known world. 10 Reasons to Consider a TJ Maxx Credit Card, 10 Investment Questions You Should Never Be Afraid to Ask, How to Make $1 Million a Year on Instagram, The Guide To Creating a Will Without The Services of a Lawyer, Here’s Why You Should Never Buy a Car With Cash, A Helpful Guide to Getting You Out of a Timeshare Deal, How to Reduce a $10,400 Medical Bill To $2,400 With a 5 Minute Phone Call, 10 Things You Didn’t Know about Bom Suk Kim, 10 Things You Didn’t Know About Kyle Kazan, 10 Things You Didn’t Know About Sam Bankman-Fried, The Top Five NFT Marketplaces Out Right Now, Five Stocks That Most Billionaire Investors Own, The Rise of the Venture Capital Scene in Africa. You can use both debit cards and credit cards for almost anything: everyday spending, shopping online, and even paying bills. Easy to lose track of spending. The TJX Rewards Credit Card typically approves applicants with fair credit or better, which means credit scores around 620 or higher. Few good employees- there have only ever been about 2 people I genuinely liked, appreciated and felt a connection to in the 2 years I've been with the company. Instead of just using cash back credit cards, you can now use cash back and rebate apps to maximize spending power. The biggest perk is 4% cash back on gas purchases (up to $7,000/year), while the biggest downside is you can only access the cash back you've earned once a year. Beyond that, the most important thing to understand about the TJX Card is that it’s not built for financing. Cons. Yes, you can still enjoy the perks of a credit card without the hassle of securing income documents. TJ Maxx credit cards offers benefits which are mostly confined to its own brand of stores. The TJX Rewards® Credit Card is a store card, meaning you can only use it at T.J.Maxx, Marshalls, HomeGoods, and Sierra Trading Post stores in the U.S. and Puerto Rico and online at tjxmaxx.com or sierratradingpost.com. The store card and the Mastercard each have their own benefits, which are reward points after each purchase. Open a TJX Rewards Credit Card Credit cards from retailers may not be for everyone, but a TJX rewards card is definitely one of the easiest ways to save money at TJ Maxx. That equates to 5% cash back, in the form of store credit. Blue Cash Everyday card from AMEX can allow you to earn cash back on various categories including shopping for groceries and clothes. It has higher than average regular … If you’re a bargain shopper who lives for deals at stores like TJ Maxx, HomeGoods, Marshalls, Homesense, and Sierra Trading Post, you may be excited to hear that this collection of stores recently came out with their own co-branded credit cards. Disclaimer: Editorial and user-generated content is not provided or commissioned by financial institutions. Apply Now With over 10 years experience he's covered businesses, CEOs, and investments. Bottom Line: TJ Maxx Credit Card Review. Your credit will be safe and secure as the professionals at Mastercard work tirelessly to keep your information secure. What are the pros and cons of a TJ Maxx credit card? If you are interested in purchasing discount gift cards online, make sure you go through a reputable gift card auction site like CardCash , Gift Card Rescue , Gift Card Granny , or Cardpool . View Offer Details Terms Apply Pros & Cons of TJMaxx credit card. The overall rating of the company is 2.5 and consumers are mostly dissatisfied.. This credit card lets you accumulate cash back with every purchase you make at Costco, plus some other places. Tj Maxx was first mentioned on PissedConsumer on May 07, 2008 and since then this brand received 394 reviews.. Tj Maxx ranks 42 of 344 in Supermarkets and Malls category. "Typically, the entire account history will show up on the authorized user's credit report," says Gerri Detweiler, education director for Nav, which matches small businesses with loans and credit cards. Opinions expressed here are the author's alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer. It’s easy to spend money when all you have to do is tap, and you don’t always receive a receipt. Full-time, Part-time ... More Pros and Cons. The Platinum Mastercard allows you to gain money back on purchases made outside of the store. With the availability of so many confusing term uses, APR’s, and other various features that many people might never use, it is important to know as much about your selected card as possible. Discount is only valid when used with your TJX Rewards credit card. As far as the TJ Maxx credit cards go this is the best one by far and the most versatile. The selection that people have to choose from is both extensive and at times very confusing. Nov 28, 2016 Ratings: +4,465 / 97 / -53. Reviews about "credit card" Return to all Reviews. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Types of expenses that can be put on autopay include auto and mortgage loans, Make sure to regularly check your bank statement for potential errors or fraudulent transactions. Pros Explained . This site uses Akismet to reduce spam. So, if you’re not sure whether a credit card or a charge card is right for you, here are the pros and cons of getting a charge card before you make up your mind. More importantly, you must also be ok with only being able to redeem your rewards points for TJX Rewards shopping certificates. I can also see my credit score online through my account with TJ MAXX. Minimum credit score needed for a TJ Maxx card. By comparing employers on employee ratings, salaries, reviews, pros/cons, job openings and more, you'll feel one step ahead of the rest. Dec 27, 2017 #2. lmlrich Active Member. I worked at TJ Maxx part-time for more than 3 years. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). So we compared the TJX Store Card to some of the most popular retail rewards offers available across six fundamentally important categories. Synchrony Bank, the institution that issues this credit card, is known to approve applicants for the Platinum MasterCard® who have fair to excellent credit scores that range from 620 to 720 or higher. Citi® Double Cash Card – 18 month BT offer. Both TJ Maxx Cards also give you 5 points per $1 spent not only at TJ Maxx, but also at Marshalls, HomeGoods and Sierra Trading Post. However, due to the low 1% rewards rate this card gives on all other purchases, it doesn’t make for a very good primary credit card. For the price it is a benefit to get anything back on the first purchase. If you lose your credit card, your account may be compromised. See Rewards Program Terms for details. Using credit cards abroad. Pick the best credit card Balance transfer ... Pros and cons. Earn and redeem rewards at T.J. Maxx, Marshalls, HomeGoods and Sierra Trading Post; Points automatically issued as certificates in $10 or $20 increments at the end of each billing cycle Read user reviews to learn about the pros and cons of this card and see if it’s right for you. *Subject to credit approval. While it does have a startlingly high APR, the TJ Maxx card is still replete with benefits for the user and can be advantageous through its use. To compensate for the high APR, pay the TJ Maxx credit card bill in full whenever possible. Feb 05 2020. See the pros and cons of accepting and how it can affect your credit score. Even with low credit it is likely that you will qualify for a store credit card. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. Once the payments are set up, the funds are taken from your bank account at the scheduled time. Cons of Using a Visa Gift Card. No Opinion of CEO. Doesn't Recommend. Users receive significant points (5x) for each dollar spent at those stores. Balance transfers aren’t allowed, no low introductory purchase APR is offered, and the regular APR is an extremely high 26.99% (V). Your web browser (Internet Explorer) is out of date and no longer supported. Despite not being thought of as a great amount, ten percent can be a rather tidy sum considering how much some people spend at stores such as TJ Maxx and Marshall’s. ... " Was annoying having to push the store credit card to every customer so often " (in 303 reviews) " Over hiring of part time employees which led to a typical schedule of 4-8 hours a week " (in 136 reviews) More Pros and Cons. Fetch Rewards is a free rebate app designed specifically for grocery shopping. Reviewer's quote. Pros. 0. Nevertheless, the TJ Maxx Credit Card is a decent option for scoring 5% discounts at TJ Maxx, Marshalls, HomeGoods and Sierra stores. Learn More: 8 Pros and Cons of Store Credit Cards. This can come in handy if you are a regular customer of TJ Maxx, Marshall’s, Sierra Trading Goods, or HomeGoods. Like several competitors TJ Maxx offers both a store card and a Mastercard that each come with several amenities that can be used at the buyer’s discretion. ...They offer a measly 25% refund so you won't sent it back. Fetch Rewards. Compare The TJX Companies, Inc. vs TJ Maxx BETA See how working at The TJX Companies, Inc. vs. TJ Maxx compares on a variety of workplace factors. Cons ... Cons. Our content is intended for informational purposes only, and we encourage everyone to respect our content guidelines. Also, if you use these stores as your go to places for back to school shopping and other needed merchandise, your chances at accumulating points quicker with each purchase goes up. Your life is completely based on their schedule. Luckily, the pros far outweigh the cons, and thanks to these insider tips shared by the secret shopping experts at T.J.Maxx, we can shop the store (and shop T.J.Maxx online) a little smarter. Both the Mastercard and Platinum Mastercard are extremely versatile cards that can carry great benefits to the holder no matter where they are. Any advice is welcome! During the holidays and for special occasions this could be a huge incentive for shoppers to come in and earn whatever they can in order to get even a small amount back in return. Earn 5% back in Rewards when you shop with a TJX Rewards credit card** Receive exclusive shopping invites! Insider tip. They want you to constantly have people sign up for the credit card. Learn how your comment data is processed. These are the most widely accepted cards around the world and with the right card, can be the cheapest way to go. However he does like to take on other topics involving some of his personal interests like automobiles, future technologies, and anything else that could change the world. That can make a decent dent in a big purchase, but a general rewards credit card may offer more valuable introductory incentives.