(2022 Update) TJ Maxx / TJX Credit Card Login, Payment, Customer Service, Cancel, and More

Everyone desires to buy branded and high-quality stuff but due to the increasing inflation rate and sky-high prices, it has become difficult for people to afford them.

TJ Maxx originated in America and is a store that offers its customers the same quality of stuff but at a relatively low price compared to the other such stores offering the same product. That is why TJ Maxx is popular for being the largest clothing wholesaler in the United States.

The first ever TJ Maxx mart was established in 1977 and offered a discount on branded clothes. But soon it became popular all over America and even Europe. More than 1,000 TJ Maxx stores and shops are operational in the United States.

TJ Maxx sells all sorts of everyday life products that a person requires. It has items for every gender and age, whether a newborn, toddler, teenager, adult or elderly person.

The items include clothes, shoes, makeup, jewelry, stationery, toys, detergents, house furniture, etc.

Is TJ Maxx and Marshalls the same?

TJ Maxx and Marshalls are much identical to each other. It would not be wrong if you call them sister marts. They have the alike footprint all over the United States.

That’s the reason why they are called sister stores is that they have the same price for their products, and offer equal discounts.

Not only this but even have identical store layouts. But Marshalls sells a greater range of women’s accessories such as make-up products and jewelry.

Some other logical reasons for TJ Maxx and Marshalls being the same is that they both have exactly the same logo and symbol.

Along with having the same concept they even have the same background. Both of them are derived from the same company, that is, TJX companies.

TJ Maxx credit cards

In total two TJ Maxx credit cards are given by the synchrony bank. These are:

  • TJX rewards card

It can obviously be used at TJ Maxx and in several other stores such as Marshalls that are owned by TJX companies. Using this card, you can get an extra deduction on that products. You can even get points for every product that you buy.

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But for this, you need to maintain your account in great standing so that it becomes possible for you to take advantage of these perks.

In order to make a payment using this credit card you have three options, paying online, through your phone, or by email, you can opt for any of it.  

  • TJX Rewards Platinum MasterCard

TJX provides a certain incentive for this platinum card. On the first purchase of this card, you get 10% off.

Secondly, you’ll be able to earn 5% on TJX store purchases. Further, it’s important to note that these cards are simple and easy to use. Let’s go through the steps to make the payment using the cards issued by TJ Maxx.

How can I make my payment online using a TJ Maxx credit card?

The easiest way through which you can make your payment is by using the online portal. This portal is provided to you by the respective synchrony bank.

If you do not have an account on this online portal, you first need to finish the registration process. The registration will be done online.

How can I register my credit card account online?

It is effortless and super easy to register your account online. For this you just need to follow a few steps given below:

  1. Go to the login page provided by the company or use this link.
  2. Type the account number of the credit card and the billing ZIP code.
  3. Enter the “Continue” button written in front of you.
  4. Provide the information demanded (if any) to finish your card registration along with following the on-screen paragraphs.

How to log in TJ Maxx credit card?

You can log in TJ Maxx credit card via their website by following this link. Once click the link, you will be required to enter your username and the password created at the time of registering the card for online access.

Alternatively, you can also log in by app store or play stored depending on your mobile’s operating system.

How can I make a payment online?

If you have already registered your online account along with the credit card and your online account is completely set up, you can easily pay for your purchase by simply acting upon the given steps:

  1. Get the account number of your credit card, your bank account, and the bank routing number.
  2. Now, go to the login page.
  3. Enter the “secure login” button.
  4. The last step is to give the information that is required by simply following the prompts present on your screen in order to make your payment successful.
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How Can I Pay without Logging in?

If you want to pay in instantly without spending time logging in. Or if you want to pay using someone else’s phone and do not wish to log in with your personal data on their phone, I have good news for you, you can even make your payment without logging in!

You just need to follow a few steps given below:

  1. Get the account number of the credit card, your bank account, and the bank routing number.
  2. Go to the login page of the synchrony bank.
  3. Choose the “pay as guest” option present there.
  4. Give the information demanded, that is, the end four digits of your social security number along with the ZIP code of your bill.
  5. At last, simply follow the prompts written on your screen in order to pay.

How Can I Make My Payment Using My Phone?

As always TJ Maxx never leaves a single facility to provide its users with. Therefore, it has even enabled a method for its customers to use their smartphones. You simply need to follow the steps given below:

  1. Get the account number of the credit card, your bank account, and the bank routing number.
  2. Check on your card type, you will find a number for customer service.
  3. Type the number of your account.
  4. You need to say “Pay”
  5. Now, follow the prompts presented to you in order to pay for your item.

You can also opt to pay by mail. This requires writing a check/money gram and sending at the official mailing address of the company.

The correct TJ Maxx credit card Payment Address is: P.O. Box 965015 | Orlando | FL 32896-5015.

 However, this payment method is slow and can lead to late penalties if a process is are not executed efficiently.

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Cancel of the TJ Maxx credit card

The process of canceling a TJ Maxx card is fairly easy. You just need to call on 877-890-3150 if holding a TJX reward platinum card and 800-952-6133 if holding a TJX reward card.

However, please make sure there is no outstanding payment on your card while requesting cancellation.


TJ Maxx is a company that provides its customers with low prices of branded items. It is similar to Marshalls.

There are several ways through which you can make your payment including paying online using TJ Maxx credit cards, paying without logging and paying using your phone. The company originated in the United States and its operations have spread to European countries.

Further, it’s important to note that TJX provides incentives when you make purchases using a credit card. For instance, on the TJX master platinum card, you get 10% off on your first purchase.

Similarly, you earn 5% on the TKX store purchases. Hence, the use of these credit cards can be great for personal finance management.

Frequently asked questions

What’s the interest rate on the TJ Maxx credit card?

The interest rate on the TJ MAXX amounts to 28.49% APR – Annual Percentage Rate. This rate is more than what’s charged by normal credit card companies.

So, if you intend to keep a balance on the credit card, it will cost you more than enough. However, if you only intend to purchase using the credit card for points and bonuses, it’s a good idea to use this card.

Does it help to build credit history if you use a TJ Maxx credit card?

Yes, it helps to build your credit history if you use a TJ MAXX credit card. However, you need to remain alert and make sure to pay on time, otherwise, it would lead to higher interest expenses and a negative impact on your credit score.

How much credit score do you need for the TJ MAXX credit card?

To get approval for the TJ MAXX credit card, you will need a credit score of more than 620. It means a strong financial credit history is required to access the TJ MAXX credit card.