TJ Maxx Rewards and Money-Saving Hacks

Updated 2/21/2020

You can usually find great deals at T.J. Maxx. However, adding those 20 – 60% off items can get your wallet into trouble. To help you save money, we’ve found 8 of the best insider tricks and looked into the TJX Rewards credit card program.

More on the TJX Rewards Credit Card

How it works

  1. Sign up for a TJX Rewards credit card in-store or online.
  2. Earn points for every dollar spent.
  3. Receive your rewards certificate when you earn 1,000 points.
  4. When you're ready to redeem, view or print the rewards certificate in your TJX account.

Main benefits of the TJX Rewards credit card

  • Receive a $10 reward certificate with every 1,000 points you earn.
  • Earn 5 points for each dollar spent at T.J. Maxx,, Marshalls,, HomeGoods, Sierra Trading Post, and
  • Every 1,000 points collected ($200 in purchases) equals a $10 reward certificate.
Other perks

Get your credit score
Find out your credit score for free when you choose to enroll. Just click on the Rewards & Offers tab in your TJX Rewards dashboard for more info.

Mobile wallet capability
Add your TJX rewards card to your favorite digital wallet like Apple Pay, Google Pay, and Samsung Pay.

Special offers
Discover on-going and limited time offers just for card members in your TJX rewards credit card account.

Remember that TJX Rewards is a credit card and not a free rewards program. While a $10 reward certificate sounds tempting, if you’re not a regular shopper at T.J. Maxx or any of the other stores in their family of brands, it’s probably not worth it.

But, we uncovered the best ways to save at TJ Maxx. Get ready to shop when you use these 8 money-saving hacks for TJ Maxx.

How to save at T.J. Maxx

Look for red and yellow tags

When shopping in-store, if you see items with a red tag, it means they’re on clearance. If shopping online, TJ Maxx makes it easy to find discounted clothing. On the homepage of, just click on the Clearance tab and head straight for the deals.

Moreover, if you spot a yellow tag, there's no time to dilly dally. 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.

Shop early

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. Rise and shine, grab your cup of joe and head to a TJ Maxx store near you.

home decor clearance

Use your gift cards

T.J. Maxx doesn't have coupons. A quick way to save a few bucks off your purchase is to round up all of those gift cards given to you by friends and family and use them up. Even if your gift card has a $1.72 on it, it’s still money off.

Want to send someone you know a TJ Maxx gift card? Get cash back rewards on your purchase with Gift Card Granny.

Granny tip: T.J. Maxx accepts gift cards from Marshalls, HomeGoods and Sierra Trading Post.

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 that may have your item for less.

Look for damage

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 including clothing, home decor, luggage and more.

Shop in July and January

Get the largest markdowns during July and January when T.J. 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

Shop online

Not 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 T.J. 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.

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!