United Kingdom. Jenn Underwood, Dia Adams. Contributor, Editor. Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations.
Welcome Bonus. Annual Fee. Regular APR. Credit Score. Cons Reward certificates cannot be exchanged for cash Lost or stolen rewards certificates will not be replaced Extremely high APR. Highlights More Highlights. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Redeeming Rewards Certificates can only be redeemed for purchases at T. Zero Liability Protection. Global Services. Get emergency assistance anytime, anywhere and in any language. This includes reporting a lost or stolen card, obtaining an emergency card replacement or cash advance, finding an ATM and answering questions on your account. ID Theft Protection. You can opt in to this service that monitors your credit file for changes that could indicate fraud, sends you emergency alerts and can assign you a resolution specialist if fraud is detected.
Earn Unlimited 2x miles on every purchase, every day. Apply Now. On Capital One's Secure Website. Average, Fair, Limited. On Discover's Secure Website.
Discover will automatically match all the cash back you've earned at the end of your first year! There's no minimum spending or maximum rewards. Just a dollar-for-dollar match. Is The Card For You? Was this article helpful? Share your feedback. Send feedback to the editorial team. Rate this Article. Thank You for your feedback! Something went wrong. If you meet the credit requirements for the Platinum Mastercard, you may be offered that card. Both will earn you points toward reward certificates.
Most of the specific terms for each of the cards are the same. Both have a high variable APR annual percentage rate that can fluctuate depending on the prime rate. If the prime rate goes up, so will your APR. The same is true if the prime rate goes down. Cardmembers are also invited to participate in exclusive private shopping events.
This rewards rate means you earn five rewards points for every dollar you spend using your card at T. Maxx or another TJX store. A physical certificate is mailed with your statement within one to two billing cycles after you earn 1, points, but you can also access and print your certificates from your online account. You can use the certificates online at TJMaxx. A discount is always a nice perk when you open up a new credit card with a store. For T. There are a few conditions to this sign-up bonus, however.
First, you have to use your new TJX Rewards card for the purchase in order to get the discount. However, you also have the option of printing out the coupon so you can use it at any U. One of the exclusive perks of having a TJX Rewards Card is getting special discount opportunities, such as exclusive private shopping events. When you sign up for the card, you can also opt into receiving special offers via email.
Like most retail cards, the T. Maxx credit card APR is pretty high. One drawback of just about any store credit card is that you can often only use it to make purchases with that one brand. That means you can use it to shop at T. Maxx or its associated brands, as well as those who are loyal to the brand. If you can keep a close eye on your rewards points, maximize the discount opportunities that pop up during the year, and pay off your balance off each month, you may be able to get some decent value out of using this card.
In addition, the T. If you're looking for more flexible earning and redemption options, a cash-back credit card will work better for you. And, of course, you don't necessarily have to settle for just one card. That can make a decent dent in a big purchase, but a general rewards credit card may offer more valuable introductory incentives.
You can sort through the merchandise before other customers get access to it. Depending on the event, you might also snag some treats or prizes. There's no introductory APR period with this card, so if you need to finance a new wardrobe for work or some furniture for a remodel, you should probably look elsewhere. The ongoing APR is Carrying a balance will chip away at any rewards you earn, so it's best to pay your balance on time and in full every month.
For a look at other options that may better suit your spending, see NerdWallet's roundup of best credit cards to get.
Nerdy tip: There's also a store-only version of this card. It offers some of the same perks, but can be used only at T.
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