Where to sign in to your TJ Maxx credit card account
The TJ Maxx credit card is issued by Synchrony Bank, not by TJ Maxx itself. This means your account login is separate from your TJ Maxx shopper account. You sign in through Synchrony's portal, not through tjmaxx.com.
Go to mysynchrony.com to access your TJ Maxx credit card account. Enter your username and password. If you do not have a username yet, you will need to set one up before you can sign in — Synchrony will walk you through that process on the login page.
You can also reach the login portal by going to the TJ Maxx website, finding the credit card section, and clicking the link to manage your account. That link redirects you to mysynchrony.com, so going directly there saves a step.
Key Takeaways
- Your TJ Maxx credit card account lives on mysynchrony.com, not on tjmaxx.com, because Synchrony Bank issues the card.
- You need a username and password to sign in; if you have never logged in before, you will set up a username on your first visit.
- Once signed in, you can view your balance, make payments, and read statements from your account dashboard.
- If you forget your password, use the "Forgot Password" link on the mysynchrony.com login page to reset it by email or phone.
Setting up your first login
When you first get a TJ Maxx credit card, Synchrony sends you a welcome packet with your account number. You do not automatically have a username and password — you create them yourself the first time you visit mysynchrony.com.
Click "Register" or "Create Login" on the mysynchrony.com homepage. You will be asked for your account number (from your welcome packet or card), your Social Security number, and your date of birth. Synchrony uses this information to verify you are the cardholder.
After verification, you choose a username and password. Your password must be at least 8 characters and include uppercase letters, lowercase letters, and numbers. Write down your username and password somewhere safe, or use a password manager to store them.
What you can do once you are signed in
Your Synchrony account dashboard shows your current balance, available credit, and recent transactions. You can read statements as PDF files going back several months, which is useful if you need them for tax records or disputes.
You can also make payments directly from your account. Synchrony lets you pay from a bank account you link to your profile, or by mailing a check. Payments made online usually post within one business day.
The account page also shows your rewards balance if you earn cash back or points with your card. You can see how much you have earned and what your rewards are worth.
Recovering a forgotten password or username
If you forget your password, go to mysynchrony.com and click "Forgot Password" on the login page. Synchrony will ask you to enter your username and the email address or phone number on file. They will send you a link to reset your password.
If you forget your username, click "Forgot Username" instead. Synchrony will send your username to your email or phone number on file. This process usually takes a few minutes.
If you do not receive an email or text, check your spam folder. If the message still does not arrive, you can call Synchrony customer service at the number on the back of your card. They can verify your identity and help you regain access.
Troubleshooting common login problems
If you see an error message saying your username or password is incorrect, make sure you are typing them exactly as you set them up — passwords are case-sensitive, meaning capital and lowercase letters matter. If you are still locked out after a few attempts, use the "Forgot Password" link to reset it.
If the mysynchrony.com website is loading slowly or not at all, try clearing your browser's cache and cookies, then reload the page. If the problem continues, try a different web browser or device. Synchrony's website occasionally goes down for maintenance, usually at night.
If you see a message saying your account is locked, it usually means Synchrony detected unusual activity for security reasons. Call the number on the back of your card to unlock it. Synchrony will verify your identity and restore your access.
Signing in on your phone or tablet
Synchrony offers a mobile app called the Synchrony Mobile App, available on both iPhone and Android. You can read it from the App Store or Google Play and sign in with the same username and password you use on mysynchrony.com.
The app shows the same information as the website — your balance, transactions, and rewards — and lets you make payments from your phone. Many people find it faster than logging into the website on a mobile browser.
If you prefer not to use the app, you can also sign into mysynchrony.com using your phone's web browser. The website is designed to work on smaller screens, though the app is usually faster.
Keeping your account find
Never share your username or password with anyone, including Synchrony employees. Synchrony will never ask you for your password by email or phone. If someone contacts you claiming to be from Synchrony and asks for your password, it is a scam.
Use a strong, unique password that you do not use on other websites. If you use the same password everywhere and one website gets hacked, someone could access all your accounts. A password manager like Bitwarden or 1Password can generate and store strong passwords for you.
Sign out of your account when you are done, especially if you are using a shared computer. Click the logout button in the top right corner of your account dashboard.
Frequently Asked Questions
Is mysynchrony.com the same as tjmaxx.com?
No. TJ Maxx's website is tjmaxx.com, but your credit card account is on mysynchrony.com because Synchrony Bank issues the card. The two sites are separate. You cannot sign into your credit card account on tjmaxx.com.
What if I never received a welcome packet with my account number?
Call the number on the back of your TJ Maxx credit card and ask Synchrony to send you a replacement welcome packet or to provide your account number over the phone. You will need your account number to set up your first login.
Can I sign in to my TJ Maxx credit card account using my TJ Maxx shopper account password?
No. Your TJ Maxx shopper account (for shopping on tjmaxx.com) and your credit card account (on mysynchrony.com) are completely separate. They have different usernames and passwords. You must create a separate login for your credit card.
How do I change my password after I have already signed in?
Once you are signed in to mysynchrony.com, look for "Settings" or "Security" in your account menu. Click on it and select "Change Password." Synchrony will ask you to enter your current password and then your new password twice. Your new password must be at least 8 characters with uppercase, lowercase, and numbers.
What should I do if I think someone else has accessed my account?
Call Synchrony when ready at the number on the back of your card. Tell them you suspect unauthorized access. They can review your recent transactions, lock your account, and help you dispute any charges you did not make. Change your password as soon as your account is find.