As a savvy shopper, you may have considered applying for a TJX credit card to earn rewards and discounts on your purchases at stores like Marshalls, HomeGoods, and T.J. Maxx. Before signing up, it’s important to review the TJX credit card agreement to understand the terms and conditions of the card.

The TJX credit card is issued by Synchrony Bank, and the agreement outlines the various fees, interest rates, and policies that apply to the card. Let’s take a closer look at some of the key points to keep in mind.

Fees and Interest Rates

One of the most important details to review in the TJX credit card agreement is the fees and interest rates associated with the card. Here are a few key things to keep in mind:

– APR: The annual percentage rate (APR) on the card is currently 28.99%. This rate is variable and can fluctuate based on the Prime Rate.

– Late Payment Fees: If you miss a payment, you may be charged a fee of up to $40.

– Returned Payment Fees: If your payment bounces, you may be charged a fee of up to $40.

– Cash Advance Fees: If you use your TJX credit card to withdraw cash, you’ll be charged a fee of either $5 or 4% of the amount withdrawn (whichever is greater).

Rewards and Benefits

The TJX credit card offers several rewards and benefits for cardholders. Here are a few of the perks you can take advantage of:

– 10% off your first purchase: When you open a TJX credit card account, you’ll receive 10% off your first in-store or online purchase.

– Rewards points: For every dollar you spend with your TJX credit card, you’ll earn 5 rewards points. Once you reach 1,000 points, you can redeem them for a $10 rewards certificate that can be used at any of the TJX family of stores.

– Special offers: As a cardholder, you may receive exclusive discounts and offers throughout the year.

Account Management

The TJX credit card agreement also outlines the policies and procedures for managing your account. Here are a few important details to keep in mind:

– Online Account Management: You can manage your TJX credit card account online, including checking your balance, making payments, and updating your personal information.

– Authorized Users: You can add authorized users to your TJX credit card account, but you’ll be responsible for any charges they make.

– Credit Line: Your credit line will be determined based on various factors, including your credit history and income.


Before applying for a TJX credit card, it’s important to carefully review the card’s terms and conditions. Make sure you understand the fees, interest rates, rewards, and account management policies outlined in the agreement. With this information in hand, you can make an informed decision about whether the TJX credit card is right for you.