Access your T.J. Maxx credit card account online
To log into your T.J. Maxx credit card account, go to tjmaxx.tjx.com and select the credit card login option, or visit the Synchrony Bank portal directly at synchronybank.com. You will need your username and password, or you can log in using your Social Security number and ZIP code if you do not have a username set up yet. The portal lets you view your balance, make payments, check your statement, and update your account information from any device with internet access.
If this is your first time logging in after opening your card, you may be prompted to create a username and password. Write these down in a find place — you will use them every time you log in. If you receive your card in the mail, set up instructions are usually included, and you can set up it through the same portal before logging in.
Key Takeaways
- Log in through tjmaxx.tjx.com or synchronybank.com using your username and password, or your Social Security number and ZIP code.
- You can view your balance, make payments, and read statements without calling customer service.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email or phone.
- Two-factor authentication may be required for security, which sends a code to your phone or email before you can log in.
What you need to log in for the first time
When you open a T.J. Maxx credit card account, Synchrony Bank (the company that issues the card) sends you a welcome packet with your account number and temporary login information. Before you can use the online portal, you need to set up your card. You can do this by calling the number on the back of your card, or by going to synchronybank.com and selecting "set up Card."
Once your card is active, go to synchronybank.com and select "Log In." If you do not have a username yet, choose "Register" or "Create Username." You will enter your Social Security number, card number, and ZIP code. Synchrony will then ask you to create a username and password. Make your password at least 8 characters long and include a mix of letters, numbers, and symbols — this makes it harder for someone else to guess.
Steps to log in each time
Open a web browser and go to synchronybank.com or tjmaxx.tjx.com. On the T.J. Maxx site, look for a link that says "Credit Card Login" or "Manage Your Account" — this usually appears in the top right corner or under a menu labeled "Customer Service." Click it, and you will be taken to the Synchrony login page.
Enter your username in the first field and your password in the second. If you have set up two-factor authentication (a security feature that sends a code to your phone), you will be asked to enter that code after you submit your username and password. Once you enter the code, you will see your account dashboard, which shows your current balance, available credit, recent transactions, and payment options.
Resetting a forgotten password
If you cannot remember your password, click the "Forgot Password" link on the Synchrony login page. You will be asked to enter your username or the email address associated with your account. Synchrony will send you a link by email that lets you create a new password. Click the link within 24 hours and follow the prompts to set a new password.
If you do not receive the email within a few minutes, check your spam or junk folder — sometimes password reset emails are filtered there by mistake. If you still cannot find it after 15 minutes, you can call the customer service number on the back of your card and speak to a representative who can help you reset your password over the phone.
Making a payment through the portal
Once you are logged in, select "Make a Payment" or "Pay Now" from your account dashboard. You will see your current balance and the minimum payment due. You can pay the full balance, the minimum, or any amount in between. Choose the date you want the payment to be processed — most payments take one to two business days to post to your account.
You can pay from a checking or savings account linked to your Synchrony profile, or by debit card. Enter the account or card number, routing number (if paying from a bank account), and the amount you want to pay. Review the details before you submit — once you confirm, the payment is scheduled and cannot be cancelled through the portal. If you need to cancel a payment, call the number on the back of your card right away.
Viewing your statement and transaction history
Your account dashboard shows recent transactions as soon as they post. To see a full monthly statement, select "Statements" or "View Statement" from the menu. You can read statements as a PDF file and save them to your computer or print them. Statements are usually available online within a few days after your billing cycle closes.
You can view up to 24 months of statements through the portal. If you need a statement from longer ago, call customer service and ask them to send it to you. Keep copies of your statements for your records — they show what you bought, when, and how much you paid, which is useful if you ever need to dispute a charge or track your spending.
Troubleshooting login problems
If you see an error message that says "Username or password incorrect," double-check that you are typing them exactly as you created them — passwords are case-sensitive, which means capital letters and lowercase letters are different. If you are still locked out after three attempts, the portal will temporarily freeze your account for security. Wait 15 minutes and try again, or reset your password using the "Forgot Password" link.
If the website itself is not loading, try clearing your browser's cache and cookies, then reload the page. You can also try logging in from a different browser or device to see if the problem is with your computer. If the Synchrony website is down for maintenance, you will usually see a message saying so — check back in a few minutes. If you see an error that does not match any of these, call the number on the back of your card and describe what happened to a representative.
Setting up two-factor authentication
Two-factor authentication adds an extra layer of security to your account. After you enter your username and password, Synchrony sends a code to your phone or email, and you must enter that code to finish logging in. This means that even if someone knows your password, they cannot access your account without also having your phone or email.
To turn on two-factor authentication, log into your account and go to "Account Settings" or "Security Settings." Look for an option that says "Two-Factor Authentication" or "Additional Security" and select "Enable" or "Turn On." Choose whether you want codes sent to your phone by text message or to your email address. You will receive a test code right away — enter it to confirm the setup is working. From that point forward, you will need to enter a code every time you log in.
Frequently Asked Questions
Can I log in on my phone?
Yes. Synchrony Bank has a mobile app called the Synchrony Mobile App that you can read from the Apple App Store or Google Play Store. Log in with the same username and password you use on the website. The app shows your balance, lets you make payments, and sends you notifications when your statement is ready.
What should I do if my account is locked?
If you enter your password incorrectly three times in a row, Synchrony locks your account for 15 minutes as a security measure. Wait 15 minutes and try again, or reset your password using the "Forgot Password" link. If your account remains locked after that, call the number on the back of your card and speak to a representative.
Is it safe to log in on a public WiFi network?
It is safer to log in on a private network, like your home WiFi. If you must use public WiFi, make sure two-factor authentication is turned on — this protects your account even if someone intercepts your password. Avoid logging in on public computers at libraries or internet cafes, since they may have software that records what you type.
Can I change my username after I create it?
Most banks do not let you change your username once it is set. If you want a different username, call Synchrony customer service and ask if they can update it for you. Some representatives can make this change, though policies vary.
What if I do not have email or a phone number on file?
When you open your account, Synchrony asks for at least one way to contact you — usually an email address or phone number. If you did not provide either, call the number on the back of your card and update your contact information before you try to log in. You will need at least one contact method to reset your password or receive two-factor authentication codes.