What Is TJ Maxx Mastercard Does It Have Cash Advance

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What Is TJ Maxx Mastercard? Does It Have Cash Advance?

TJ Maxx Mastercard is a credit card offered by TJX Companies, the parent company of popular retail chains such as TJ Maxx, Marshalls, HomeGoods, and Sierra Trading Post. This credit card provides shoppers with various benefits, including reward points for every dollar spent at TJX stores and other retailers. However, one common question that arises among cardholders is whether TJ Maxx Mastercard offers cash advance options. In this article, we will explore the features of TJ Maxx Mastercard and address some frequently asked questions.

Features of TJ Maxx Mastercard:

1. Rewards Program: TJ Maxx Mastercard offers a rewards program where cardholders can earn points for every dollar spent at TJX stores, as well as other eligible retailers. These points can be redeemed for gift cards that can be used towards future purchases.

2. Additional Benefits: In addition to the rewards program, TJ Maxx Mastercard also provides perks such as special financing options for larger purchases, exclusive offers and discounts, and access to special events and promotions.

3. Worldwide Acceptance: TJ Maxx Mastercard is a widely accepted credit card, allowing cardholders to make purchases not only at TJX stores but also at millions of locations that accept Mastercard.

Does TJ Maxx Mastercard Have Cash Advance?

Yes, TJ Maxx Mastercard does offer cash advance options to cardholders. Cash advance allows users to withdraw cash from an ATM or receive cash equivalent to their card’s credit limit. However, it is essential to note that cash advances usually come with additional fees and higher interest rates compared to regular purchases.

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To avail of the cash advance feature, cardholders need to know their Personal Identification Number (PIN). This PIN is typically provided by the credit card issuer and can be set up during the card activation process. Once the PIN is set, cardholders can use it to withdraw cash from ATMs or request cash advances at participating financial institutions.

It is important to remember that cash advances should be used sparingly and only in emergencies. The fees and interest associated with cash advances can quickly accumulate, making it an expensive option compared to other forms of borrowing.


1. How can I apply for TJ Maxx Mastercard?
To apply for TJ Maxx Mastercard, you can visit the TJX Rewards website or apply in-store at any TJ Maxx, Marshalls, HomeGoods, or Sierra Trading Post location. The application process typically requires personal and financial information and may include a credit check.

2. How long does it take to receive TJ Maxx Mastercard?
Once your TJ Maxx Mastercard application is approved, you will receive your card within 7-10 business days.

3. Can I use TJ Maxx Mastercard at other retailers?
Yes, TJ Maxx Mastercard can be used at any retailer that accepts Mastercard.

4. How are reward points earned and redeemed?
Cardholders earn 5 points for every dollar spent at TJX stores and 1 point for every dollar spent elsewhere. Once a cardholder accumulates 1,000 points, they can be redeemed for a $10 gift card, which can be used at TJX stores.

5. Are there any annual fees associated with TJ Maxx Mastercard?
No, TJ Maxx Mastercard does not charge an annual fee.

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In conclusion, TJ Maxx Mastercard offers various benefits to cardholders, including a rewards program and access to exclusive offers. While it does provide cash advance options, it is important to use this feature sparingly due to the associated fees and higher interest rates. As with any credit card, it is advisable to read the terms and conditions thoroughly and use the card responsibly.