Review: Sierra Trading Post Credit Card

tjx-credit-cardDiscount outdoor retailer Sierra Trading Post is part of the TJX Companies, which also includes TJ Maxx, Marshalls, and other retail chains. So, the Sierra Trading Post credit card is actually the TJX Rewards credit card, which offers some nice rewards as long as you don’t carry a balance on the card. Our overview / review of the card is below:

First, you should understand how the application process works. If you apply for a TJX credit card, your credit history will assessed, and you may qualify for the TJX Rewards MasterCard if your credit is very good. The MasterCard can be used at Sierra Trading Post and anywhere else MasterCard is accepted. However, if your credit history is average or worse, you may only qualify for the TJX Rewards store card, which is accepted only at TJX stores including Sierra Trading Post, TJ Maxx, Marshalls, and HomeGoods. This store-only card offers fewer potential rewards.

Let’s talk about those rewards. The TJX credit card offers:

  • 5 points per dollar spent at Sierra Trading Post, TJ Maxx, Marshalls or HomeGoods
  • 1 point per dollar charged to the card at other stores (BUT only the MasterCard can be used at other stores, so this reward is not for holders of the store-only card.)

For every 1000 points you earn, you get a $10 rewards certificate good toward future purchases at Sierra Trading Post or the other TJX Companies stores.

One other perk: You get $10 off your first in-store purchase with the card.

Now, let’s talk about this card’s interest rate. It’s 27.99!!! Just a terrible interest rate. If you ever carry balances on your credit cards, avoid this card, because the interest you pay will essentially cancel out any rewards you receive.

That said, you can get some nice rewards if you always pay your card off on time. You can apply for the Sierra Trading Post / TJX credit card via this online application.

The TJX Rewards credit cards are issued in partnership with Synchrony Bank (formerly known as GE Capital Retail Bank).