How To Make a T.J.Maxx Credit Card Payment

TJ Maxx discount fashion store facade in San Jose California on a sunny day.
NicolasMcComber / Getty Images

The first T.J.Maxx store opened in 1977 as an off-price clothing and home fashion chain. As of July 2022, its parent company operates more than 4,700 stores across North America, Europe and Australia. Savvy shoppers who frequent T.J.Maxx for great deals can save even more with a TJX Rewards card issued by Synchrony Bank.

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Types of T.J.Maxx Credit Cards

Synchrony Bank issues two branded T.J.Maxx credit cards: the TJX Rewards credit card and the TJX Rewards Platinum Mastercard. The TJX Rewards credit card can be used at T.J.Maxx, HomeGoods, Marshalls, Sierra and Homesense stores and websites. The TJX Rewards Platinum Mastercard is accepted at any business that accepts Mastercard payments.

With a TJX Rewards credit card, you can earn points for each eligible purchase you make. You’ll have to keep your account in good standing to continue enjoying this perk, however. Synchrony Bank gives you three options for making a T.J.Maxx credit card payment: online, by phone or by mail. Here’s everything you need to know.

How To Make Your T.J.Maxx Credit Card Payment Online

Perhaps the most convenient way to pay your TJX Rewards credit card or TJX Rewards Platinum Mastercard bill is to use the online portal provided by Synchrony Bank. If you haven’t already, you’ll need to complete the online registration process for your account.

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How To Register for an Online Account

Registering your account is easy. Here’s how:

  1. Visit Synchrony Bank’s online account registration page for the TJX Rewards cards.
  2. Enter your credit card account number and billing ZIP code.
  3. Click “Continue.”
  4. Follow the on-screen prompts to complete your registration.

How To Make a Regular Online Payment

After you set up your online account, you can make a payment by following these steps:

  1. Gather your bank account number and bank routing number.
  2. Go to Synchrony Bank’s login page for the TJX Rewards cards.
  3. Enter the user ID and password you selected when you registered.
  4. Click “Secure Login.”
  5. Follow the on-screen prompts to complete your payment.

How To Make an Online Payment Without Logging In

If you want to make a payment without registering or logging in to an online account, you can still pay your bill online. Here’s how:

  1. Have your credit card and banking information ready, and click “Pay as Guest” on Synchrony Bank’s login page for the TJX Rewards cards.
  2. Enter your card number, the last four digits of your Social Security number and your billing ZIP code.
  3. Click “Continue.”
  4. Follow the on-screen prompts to complete the payment.
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How To Make Your T.J.Maxx Credit Card Payment by Phone

To make a T.J.Maxx credit card payment by phone, follow these steps:

  1. Gather your credit card and either your bank account information, including your bank routing number, or your debit card. Note that you can only make a payment with your debit card via the automated system.
  2. Call the customer service number for your card type:
    • TJX Rewards credit card: 800-952-6133
    • TJX Rewards Platinum Mastercard: 877-890-3150
  3. Enter your account number.
  4. Follow the automated prompts to complete your payment.

Note that there is no charge to make a payment through the automated system, but you may be charged a fee if a customer service representative processes the payment for you.

How To Make Your T.J.Maxx Credit Card Payment by Mail

You can also make a T.J.Maxx credit card payment by mail. Here’s how:

  1. Write a check or purchase a money order for at least the minimum payment due.
  2. Include the payment coupon from your monthly account statement.
  3. Mail your payment and coupon to the correct address for your card type:
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TJX Rewards Platinum Mastercard
P.O. Box 530949
Atlanta, GA 30353-0949

TJX Rewards Credit Card
P.O. Box 530948
Atlanta, GA 30353-0948

What Happens If Your T.J.Maxx Credit Card Payment Is Late?

If you miss your payment due date, you can still make your payment via one of the available methods. Your payment is due by 5 p.m. ET on the due date printed on your account statement, or a late fee of $27 will apply. The fee increases to $38 if you’re late more than once in a six-month period.

Information is accurate as of Nov. 9, 2022.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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About the Author

Alicia Bodine is a New Jersey-based writer specializing in finance, travel, gardening and education. With more than 13 years of experience, her work has appeared in Chron.com, Livestrong, eHow, USA TODAY, GlobalPost, Education.com and wiseGEEK.
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