Access your T.J. Maxx credit card account through Synchrony's portal
The T.J. Maxx credit card is issued and managed by Synchrony Bank. To view your balance, make payments, or check your rewards, you log in through Synchrony's website, not through T.J. Maxx directly. The login process takes about two minutes once you have your username and password ready.
If you have never logged in before, you will need to set up your account first. If you already have a Synchrony account for another card, you may be able to add your T.J. Maxx card to that same login rather than creating a second one.
Key Takeaways
- Go to Synchrony.com and select "Sign In" to reach the T.J. Maxx credit card login page.
- You will need your username and password, or your Social Security number and card number if you are logging in for the first time.
- If you forget your password, use the "Forgot Username or Password" link on the login page to reset it by email or phone.
- Once logged in, you can view your statement, make a payment, check your rewards balance, and update your account information.
Steps to log in with an existing username and password
Go to Synchrony.com in your web browser. At the top of the page, you will see a "Sign In" button. Click it to open the login screen.
Enter your username in the first field. This is the username you created when you first set up your Synchrony account — it is not your email address unless you chose to use your email as your username. Enter your password in the second field. Click "Sign In."
Synchrony may ask you to verify your identity with a one-time code sent to your phone or email, depending on your security settings. Enter that code when prompted. You will then see your account dashboard, where all your Synchrony cards appear.
How to set up your account if you are logging in for the first time
If you have never created a Synchrony login, go to Synchrony.com and click "Sign In." Look for a link that says "Create an Account" or "New User" — the exact wording changes occasionally, but it will be near the login fields.
You will be asked to enter your Social Security number, your T.J. Maxx card number, and your date of birth. Synchrony uses this information to verify that you are the cardholder. After verification, you will create a username and password. Your username must be at least 6 characters and can include letters, numbers, and some symbols — avoid spaces.
Once you create your username and password, write them down or save them in a password manager. You will use these credentials every time you log in. Synchrony will then send you a confirmation email — check your inbox and click the link to complete the setup.
What to do if you forget your username or password
On the Synchrony login page, click "Forgot Username or Password?" below the login fields. You will be asked to enter your Social Security number and card number to verify your identity.
Synchrony will then offer you the choice to reset your credentials by email or phone. If you choose email, a link will be sent to the email address on file with your account — click it to create a new password. If you choose phone, Synchrony will call or text you with a code to use during the reset process.
The reset link or code usually works for 24 hours. If it expires, you can request a new one by going through the "Forgot Username or Password" process again.
Logging in on the T.J. Maxx mobile app
The T.J. Maxx mobile app has its own login separate from the Synchrony website. Open the T.J. Maxx app and tap "Account" or "Sign In" at the bottom of the screen. Enter your email address and password — these are your T.J. Maxx shopper account credentials, not your Synchrony login.
Once you are signed into the T.J. Maxx app, you can view your card balance and rewards, but you cannot make payments through the app. To make a payment on your T.J. Maxx credit card, you must go to Synchrony.Com and log in there. The two logins are separate by design.
Making a payment after you log in
After you sign in to your Synchrony account, look for a "Make a Payment" button or link on your dashboard. Click it to open the payment screen. You will see your current balance and the minimum payment due.
Enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Choose your payment method — Synchrony accepts bank account transfers (ACH) and debit card payments. Bank transfers usually take one to two business days to post; debit card payments post when ready but may carry a fee.
Review the payment details and click "Confirm" or "Submit Payment." Synchrony will show you a confirmation number — save or screenshot this for your records. You will also receive a confirmation email.
Viewing your rewards and statement information
Once logged in, your dashboard shows your current balance, available credit, and rewards points or cash back balance. The exact rewards structure depends on which T.J. Maxx card you hold — the standard card, the Platinum card, or the American Express version.
To see your full statement, click "View Statement" or "Statements" on your dashboard. Synchrony displays statements from the past 24 months. You can read any statement as a PDF by clicking the read icon next to the statement date. This is useful if you need to print a statement for your records or for a financial institution.
Frequently Asked Questions
Can I log in to my T.J. Maxx credit card on the T.J. Maxx website instead of Synchrony?
No. The T.J. Maxx website does not host credit card account management. You must go to Synchrony.Com to access your card account, make payments, and view your balance. The T.J. Maxx app and website only let you manage your shopper rewards account and view your card rewards balance — not make payments.
What if I have multiple Synchrony cards?
You can manage all your Synchrony cards under one login. After you sign in, your dashboard will show all cards linked to that account. You can switch between cards by clicking on the card name or number. This means you only need to remember one username and password for all your Synchrony cards.
Is it safe to log in to Synchrony on my phone?
Yes. Synchrony uses encryption and security measures to protect your login. However, use the official Synchrony website or the T.J. Maxx app rather than clicking links in emails or texts, which may be fraudulent. Always type Synchrony.Com directly into your browser or use the official app from your phone's app store.
How do I update my email or phone number on my Synchrony account?
After you log in, look for "Account Settings," "Profile," or "Personal Information" in the menu. Click it to edit your contact details. You can update your email, phone number, and mailing address. Synchrony will ask you to confirm changes to your email or phone before they take effect.
What should I do if I see unauthorized charges on my statement?
Log in to your Synchrony account and look for a "Report Fraud" or "Dispute a Charge" option, usually found under "Account Services" or "Help." You can also call the customer service number on the back of your T.J. Maxx card. Report the charge as soon as you notice it — Synchrony has time limits for fraud claims, so do not wait.