There are more credit cards available today than can easily be counted. The selection from which people have to choose is extensive and sometimes very confusing. Too many card companies say the same things using different words and offer offers that are similar to each other with only minor differences that can make the effort invested in selecting a card seem like a headache to occur.
With the availability of so many confusing uses of terms, APRs, and various other features that many people may never use, it is important to know as much as possible about the card you selected. This is where the TJ Maxx credit card comes in. Like several competitors, TJ Maxx offers both a store card and a Mastercard, each with various amenities that can be used at the buyer’s discretion. Listed below are several ways that both cards can benefit the consumer and why they are the smartest choice when selecting a reliable credit card.
So why the TJ Maxx credit card?
1. Benefits of the TJ Maxx credit card
The store card and the Mastercard have their own benefits, which are reward points after each purchase. This can be useful if you are a regular customer of TJ Maxx, Marshall’s, Sierra Trading Goods, or HomeGoods. Both cards also offer a 23-day grace period to pay the bill and can be done online. This can be of great help in an economy where most people are constantly in debt and constantly struggling to pay their bills.
2. Gift certificate
For every 1,000 points earned, the shopper receives a $ 10 gift certificate, which is an incentive for many to continue their patronage at TJ Maxx affiliated stores. Also, if you use these stores to go places for back-to-school purchases and other necessary items, your chances of accumulating points faster with each purchase increase. During the holidays and for special occasions, this could be a great incentive for shoppers to come and earn what they can to get even a small amount back.
3. No reward limits
There is no limit to the reward points you can earn with any of the cards. While some cards may limit your reward points to a maximum number, the TJ Maxx credit card will continue to accumulate your points every time you shop with no limit. Reward points, of course, can be used for cash back, items, or special purchases that may not be available on a regular basis. For this benefit alone, many people flock to credit cards, and with the TJ Maxx credit card it would probably take a short time to earn enough reward points to make the card worthwhile.
4. Accepted all over the world
The TJ Maxx Mastercard is accepted worldwide, which overrides most limits on its use. With the Mastercard and the Platinum Mastercard, it is possible to buy and obtain goods and services anywhere this card is accepted, which covers a large portion of the known world. To date, there are few places in the world where buyers are welcome and do not accept Mastercard.
5. Identity theft
The Mastercard comes with an identity theft resolution, so you can stop worrying about what might happen if your card is stolen, lost, or damaged. Your credit will be safe as the professionals at Mastercard work tirelessly to keep your information safe.
The APR is not the most pleasant with 27.24%, but it invites another positive that can arise from a negative. Paying off this credit card in full is a good idea every month and is a great way to build your credit as you continue to make payments. It may seem like an overwhelming negative, but if you stick with it, this credit card can greatly benefit your credit score.
7. Get your money back
The Platinum Mastercard allows you to recover money on purchases made outside the store. For every $ 1 you spend, you will earn points towards the rewards offered by the card. As for TJ Maxx credit cards, this is by far the best and the most versatile.
8. Discount on the first purchase with the TJ Maxx credit card
You will receive a 10% discount on your first purchase. Although it’s not considered a large amount, ten percent can be a pretty neat sum considering how much some people spend at stores like TJ Maxx and Marshall’s. For the price, it is a benefit to get something back on the first purchase. Ten percent can be a good amount of change when you …