Is TJ Maxx credit card Synchrony Bank?
Your TJX Rewards® credit card is issued by Synchrony Bank. The Synchrony Bank Privacy Policy governs the use of the TJX Rewards® credit card.
Applicants for a credit card with TJX are considered for two cards through Synchrony Bank. The rewards for both cards are the same for purchases at TJX Companies including T.J. Maxx, Marshalls, HomeGoods, Sierra and Homesense stores. Cardholders will earn 5% back when shopping at these retailers.
The TJX Rewards® Platinum Mastercard® offers a high in-brand rewards rate whether you're shopping off the rack or on the web: 5 points per $1 spent at stores in the TJX family (T.J. Maxx, Marshalls, HomeGoods, Sierra Trading Post and Homesense). 1 point per $1 on all other purchases.
The basics about the T.J.
Maxx, both of which are issued by Synchrony Bank: The first is the TJX Rewards Credit Card, which is a store card that can only be used at T.J. Maxx and its partner brands in the U.S. and Puerto Rico or through any of the brands' websites.
The official credit bureau used by TJ Maxx is TransUnion. Although TJ Maxx uses TransUnion as its brand official credit bureau, it still allows Experian and Equifax to run its credit report. Read on to understand why TransUnion is the recognized credit bureau by the retail store.
But while the TJX Rewards® Credit Card can only be used in TJX stores, the TJX Rewards® Platinum Mastercard® gives you the freedom of a globally accepted credit card (and without foreign transaction fees). With the platinum card in your wallet, you can swipe anywhere Mastercard is accepted.
Yes, the TJX Store Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require. There is no way to pre-qualify for the TJX Store Card.
Like most store cards, the TJ Maxx credit card comes with a high interest rate. Using the card wisely can help establish credit history and prevent the likelihood of having to pay an astronomical final price.
The TJX Rewards Platinum card and TJX Rewards World card can be used anywhere Mastercard is accepted. The TJX Rewards card can only be used within the TJX Family. This includes T.J.
The TJX Rewards® Platinum Mastercard® is issued by Synchrony Bank pursuant to a license from Mastercard International Incorporated.
Who issues the TJX credit card?
Synchrony Bank issues two branded TJ Maxx credit cards: TJX Rewards card and TJX Rewards Platinum Mastercard. The TJX Rewards card can be used at TJ Maxx, HomeGoods, Marshalls, Sierra and Homesense stores and websites. The TJX Rewards Platinum Mastercard is accepted at any business that accepts Mastercard payments.
Credit bureaus suggest that five or more accounts — which can be a mix of cards and loans — is a reasonable number to build toward over time. Having very few accounts can make it hard for scoring models to render a score for you.
Where can I use the TJX Rewards Credit Card? You can use the TJX Rewards Credit Card exclusively at TJ Maxx, Marshalls, HomeGoods and Sierra Trading Post.
You need fair credit to get approved for the TJX credit card, which means a credit score of 620 or above.
The RedCard credit cards (Target Credit Card and Target Mastercard) are issued by TD Bank USA, N.A. The RedCard debit card is issued by Target Corporation.
Most Synchrony credit cards are linked to a store and can be used for purchases in that store only. If your card has a Visa or a Mastercard logo, you can use it anywhere.
The Synchrony Home credit card can be used at retailers which participate in the Synchrony Home Furnishings Financing program, so no Lowe's. You can find a participating store near you here.
The TJX Rewards® Credit Card has a 27.74% variable APR. This is almost 10 percentage points higher than the average credit card APR. We don't recommend anyone to ever carry a balance on this credit card, since this APR will cause interest charges to be astronomically high.
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It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit.
Here's what you need to know about the Walmart Credit Card credit score: Both the Walmart Credit Card and the Walmart® Store Card require fair credit for approval. That means a score of 640+. The Walmart Credit Card can be used anywhere Mastercard is accepted.
Can I prequalify for a TJ Maxx card?
You might get a TJX Store Card pre-approval letter if you fit the issuer's criteria for offering you one. Unfortunately, there's no other way to check if you pre-qualify for this card. Getting pre-approved is only a soft pull on your credit, but it doesn't guarantee your actual approval for the TJX Store Card.
A maximum of two hard inquiries might do a little hurting on your credit score. But multiple credit card applications with some of the affiliated retail stores of TJX might do some damage and can negatively affect your credit score.
Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
What credit score is needed for a Marshalls Credit Card? You'll need a credit score of 620 or above to qualify for a TJX Rewards credit card.
You can cancel your card by calling 1-877-890-3150 for the TJX Rewards Platinum MasterCard or 1-800-952-6133 for the TJX Rewards Credit Card. Please note that when you close a credit card account, the total amount of credit that you have available falls, and that puts a dent in your credit score.
A credit card can be canceled without harming your credit score; just remember that paying down credit card balances first (not just the one you're canceling) is key. Closing a charge card won't affect your credit history (history is a factor in your overall credit score).
You can make a TJX Store Card payment online, by phone or by mail. To pay a TJX Store Card bill online, log in to your online account and click on “Make Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from.
- TJX TJX Store Card.
- Kohl's Kohl's Credit Card.
- Fingerhut Fingerhut Credit Account.
- Target Target Credit Card.
- Amazon.com Amazon.com Store Card.
- Best Buy Best Buy® Store Card.
No, you cannot use your Synchrony Car Care™ Credit Card everywhere. You can only use it at certain gas stations, auto parts and service merchants nationwide. You can find all the locations that accept the Synchrony Car Care™ Credit Card online.
Can I use Synchrony credit card anywhere?
Most Synchrony credit cards are linked to a store and can be used for purchases in that store only. If your card has a Visa or a Mastercard logo, you can use it anywhere.
Similar to the credit card from Ashley Furniture HomeStore, the Rooms To Go credit card really only provides an option to finance purchases since the card cannot be used anywhere else.
Like most store cards, the TJ Maxx credit card comes with a high interest rate. Using the card wisely can help establish credit history and prevent the likelihood of having to pay an astronomical final price.
