I am thinking of applying for one, since I do shop at both TJ Maxx and Marshall's. Does anyone here have one? Are they good about giving you your rewards in a timely manner? There is no annual fee, so I was thinking about getting one and using it for the rewards and then paying off immediately. Just in case anyone is interested, you can get the info off the TJ Maxx website. It is good at TJ Maxx, Marshall's, Home Goods(which I don't have here), and A.J. Wright(which also isn't around me).