How to activate TJX Rewards Mastercard

Tim Vickers

The TJX Rewards Mastercard is suitable for users who shop at TJX stores regularly. It allows people to earn rewards which they can then spend at all the supported stores.

When you use the TJX Rewards credit card, you will earn 5% back at TJX stores and receive another 10% discount on your first purchase, either in-store or online.

Before you can start using the card, you will first have to activate it.

Before you can activate a TJX Rewards MasterCard, you will first have to apply for it. You can complete your application online or in-store at an affiliated or branded location.

After the application, you will receive your card in the mail. The next step will be to activate it.

Understand that TJX only approves applicants who have a fair credit score. In other words, you require a score of 620 or higher to qualify.

How to activate your TJX Rewards MasterCard

After receiving the TJX Rewards MasterCard, the next step is to activate the card. Here is how:

  • Go to the TJX Rewards activation page.
  • Enter the card number.
  • Enter the card security code. It is a 3-digit number on the back of the card.
  • Enter the last four digits of your Social Security Number.
  • Click on Activate My Card.

Follow the prompts and provide more details to complete the activation. Some of the information needed include your email address, date of birth, and your mother’s maiden number.

You must be the primary account holder to activate the card.

TJX rewards card benefits

The benefits of the TJX rewards card are:

  • The TJX Rewards Credit Card does not charge you an annual fee.
  • The TJX Rewards MasterCard does not charge you a foreign transaction fee.
  • You get a 10% discount on your first purchases at affiliated stores.
  • You can use the TJX Rewards MasterCard globally or in stores that accept MasterCard as the payment processor.
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As a cardholder, you will also have access to special shopping hours and other benefits throughout the year.

How to pay a TJX Rewards card online

The best way of paying a TJX Rewards card online is to log in to your account. You will need your User ID and a password to access the account.

Once you sign in, you can pay your bills, check your FICO score, and sign up for paperless billing.

How to access your TJ Maxx rewards online

You will access your TJ Maxx rewards by logging into your TJX account. Use the TJX rewards app for your mobile phone for convenience.

Alternatively, you can get the information by logging into, Marshalls and HomeGoods app, or Once you sign in, go to the Rewards tab to view all your rewards.

How do the rewards work?

The TJX Rewards credit card gives you five points for every dollar you spend at an affiliated store. It does not have any limits to the number of points you can earn.

For every 1,000 points on your card, you will receive a $10 reward certificate.

In other words, as long as you spend the TJX rewards digital certificates, you will get a 5% discount on your purchases.

Alternatively, you can redeem $20 for a certificate if you accumulate 2,000 reward points. Each point given by TJX equates to a value of $0.01.

Can I use my TJX Rewards MasterCard anywhere?

You can use the TJX Rewards MasterCard anywhere. However, the store must be accepting MasterCard as its payment processor.

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But if you have the TJX Rewards Credit Card, you can only use it in a few stores. Some of these include TJX Maxx, Marshalls, Sierra Trading Post, HomeGoods, and other affiliated stores.

How to check your TJX Rewards balance?

You can check your TJX Rewards balance using different methods:

1. Via a phone call

You can call 1-877-890-3150. Ensure to provide your User ID or Social Security Number. Alternatively, use the number on the back of either the credit or MasterCard to contact the support team.

2. Online

You can check your balance online by logging in to your account.

After logging in, you will access all your account details, including your balance and TJX rewards points.


You can activate your TJX Rewards MasterCard online by using the details provided on the physical card.

During the process, you will also have to give your Social Security Number, email address, and mother’s maiden number.

Understand that you can only activate the card if you are the primary holder.

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