TJX Rewards credit card
Special Financing FAQS

At the register of participating stores, TJX Rewards credit card members who simply make a qualifying purchase of $399 or more after discounts will be prompted at the point of sale to select 12 months special financing on their purchase. A list of participating stores can be found online at tjxrewards.com/specialfinancing.

The $399 purchase threshold for 12 Months Special Financing applies to the entire transaction amount that is being charged (after discounts) to the TJX Rewards credit card.

The "after discounts" being referred to are the 10% account opening offer and any payment of a purchase or portion of a purchase with a gift card or Rewards Certificate. All of these will reduce the purchase amount required to qualify for the Special Financing offer with your TJX Rewards credit card.

Special Financing is only available to TJX Rewards credit card members at participating stores. Open a TJX Rewards credit card at a participating store today to enjoy.

A list of participating stores can be found online at tjxrewards.com/specialfinancing.

Special Financing is only available at participating T.J.Maxx, Marshalls, HomeGoods, and Homesense stores. It is not available in-store at Sierra, or online at tjmaxx.com, sierra.com, or marshalls.com. A list of participating stores can be found online at tjxrewards.com/specialfinancing.

No. The portion of your payment equal to the minimum payment due is split between the Special Financing balance and any Regular/Non-Special Financing balance. The portion of the payment in excess of the minimum payment due is applied to the Regular balance (except when the Special Financing balance is within 60 days of expiration). In the month the Special Financing balance is expiring, the entire payment is first applied to the Special Financing balance if the payment amount is sufficient to pay it off.

Your monthly billing statement will include a promotional purchase summary section. This section will list your purchase date, amount of the original purchase, the current balance on the promotion, the expiration date of the promotion, and also the amount of deferred interest that has accrued, but not assessed, on the promotion.

If your Special Financing balance is not paid off within the 12 month promotional period, you will be charged interest from the date of your purchase.

To pay off your monthly non Special Financing balance to avoid interest you would need to pay the full non Special Financing balance plus your minimum pay due amount.

All returns will be credited to your non-Special Financing balance first before reducing any Special Financing balance. If any Special Financing balance remains after the returns have been credited, youwill have the remainder of the 12 month term to pay off the special financing balance in full to avoid interest.