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TJ Maxx Rewards and Money-Saving Hacks

You can usually find a good deal at TJ Maxx, however costs escalate if you don't utilize a disciplined approach. To help you save money, we’ve found 8 of the best insider tricks and researched whether or not the TJX Rewards credit card program is actually worthwhile.

Here's How The TJX Rewards Credit Card Works

  1. Sign up for a TJX Rewards credit card in-store or online.
  2. Earn points for every dollar spent.
  3. Receive $10 reward certificates with every 1,000 points.

TJX Rewards credit card members earn 5 points for each dollar spent at TJ Maxx,, Marshalls, HomeGoods and Sierra Trading Post. Every 1,000 points collected ($200 in purchases) equals a $10 reward certificate.

Remember that TJX Rewards is a credit card and not a free rewards program. And while a $10 reward certificate sounds tempting, I'm not entirely sure their credit card is beneficial when you can use these 8 money-saving hacks for TJ Maxx.

How To Save At TJ Maxx
Take advantage of these easy ways to save at TJ Maxx:

1. Yellow Tag = Buy Now
There's no time to dilly dally when you see a yellow tag. This is usually the final markdown price for an item. Since there are no price adjustments at TJ Maxx, you can purchase yellow-tagged items in confidence knowing you won't get a better deal.

2. The Early Bird Gets The Worm
The majority of markdowns occur while the store is closed. Early-morning shoppers have the advantage of browsing the clearance section before it's picked over.

home decor clearance

3. Discount Gift Cards
While TJ Maxx doesn't have coupons, you can still get a deal by using TJ Maxx discount gift cards to save on your purchase. Depending on the card value and percentage off, your savings can significantly add up.  

Granny Tip:  Did you know that TJ Maxx also accepts gift cards from Marshalls, HomeGoods and Sierra Trading Post? Get the best deal by purchasing the brand with the highest savings. 

Wayfair Gift Card

0% off

At Home Gift Card

13% off

Target Gift Card

10% off

4. Compare Prices
Just because you're shopping at a discount store doesn't mean you're getting the best deal. Use a price-comparison app to find other stores who may have your item for less.

5. Damaged Items
Does the item you want have a scratch? Don't be afraid to ask for a discount. Oftentimes store managers will approve a 15% to 20% markdown on damaged goods.

Granny Tip:  Keep this in mind for clothing, home decor, luggage and more.

6. Shop in July and January
Get the largest markdowns during the months of July and January when TJ Maxx prepares for the winter and summer seasons. This is a great time to stock up on clothes for growing kids.

Granny Tip:  If you know you won't be wearing or using your purchase anytime soon, leave the tag on and staple the receipt to the item. The next time you go shopping, check the clearance section in case the price drops. In the instance there's a markdown, purchase the item and return your previously purchased item. 

clearance section

7. Shop Online
Aren't in the mood to look through the racks? Shop online to easily sift through the selection. Returns are free at your local store. Before placing an order, check for free shipping codes featured throughout their website.

Granny Tip:  Some TJ Maxx stores have a high-end department called The Runway, a section with couture fashion. If you aren't lucky enough to have this department in your local store you can access these designer brands online.

8. Sign Up For The Email List
T.J.Maxx offers free shipping on your first order when signing up for their email list. You'll also receive email notifications for price drops, offers and style tips.

The ultimate hack is combining as many money-saving and reward-earning tips as possible. Do you know of any TJ Maxx hacks? Share your knowledge in the comments below!

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