Generally, you should activate your TJX Rewards credit card before attempting to use it for purchases. Receiving your physical card in the mail does not necessarily mean it is ready to use.

The activation process helps confirm that you have received the card and are authorized to use it. If activation is required and has not been completed, your card may be declined when you try to make a purchase.

Check the instructions that came with your card to confirm its activation requirements.

If your card has not been activated, follow the instructions provided with it.

Step 1: Check Your Card Materials

Look for the activation instructions included with your new TJX Rewards card. Make sure you identify the correct card type.

Step 2: Visit the Activation Website

Use the activation website listed in your card materials. Avoid unfamiliar links or websites that request sensitive information without verifying their legitimacy.

Step 3: Enter the Required Information

Follow the on-screen instructions and provide the requested card and identity verification details.

Step 4: Confirm Activation

Wait for a confirmation message or follow any additional instructions provided by the issuer. Do not assume activation is complete until it has been confirmed.

Step 5: Contact Customer Service if Necessary

If you cannot activate your card online, contact the issuer using the phone number printed on your card or included in its materials.