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Overall, I’ve had great experiences with returning and exchanging everything from jeans and purses to home goods throughout my years as a T.J.Maxx shopper.

Today I’ll teach you how to get store credit for returns – even if you don’t have a receipt and you’ve already removed the tags. I’ll also explain why it’s almost always better to return online orders in-person rather than online.

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1. The T.J.Maxx return policy gives you 30 days.

Check out and returns sign with people standing in line

If you have a receipt, T.J.Maxx will give you a full refund via your original payment method. Just make sure you make your return within 30 days.


2. There’s a special T.J.Maxx return policy for COVID closures.

TJ Maxx store front

It’s been a hot minute since any real COVID closures were mandated for retail stores. But if your local T.J.Maxx is closed due to COVID-19, the return policy essentially freezes. You have 30 days to return your item from the day your store reopens.


3. You can make returns to T.J.Maxx without tags – for the most part.

TJ Maxx bra's with blue price tags.

The good news is that T.J.Maxx will give you the full refund even if your item doesn’t have tags.

There are a few exceptions, though. Swimsuits, underwear, bras and other intimate apparel must have the tags intact if you want to make a return.

Even though there aren’t tag rules on other items, you also technically aren’t allowed to return purchases that have been worn or obviously used. It’s one thing to cut off the tag and then realize the dress doesn’t fit. It’s another to cut the tag off the dress, wear it to your cousin’s wedding, and then try to get a full refund.

Just don’t do it.


4. You can make T.J.Maxx returns after 30 days for store credit.

TJ Maxx Merchandise card held in front of a credit card reader

You actually can initiate your return outside the 30-day window with a receipt for a full refund. But the only way refunds are issued after 30 days is via store credit. That means if you paid on a credit card, you won’t get the money refunded to your credit card.

TIP: Ross and T.J.Maxx have similar return policies in this regard. Check out which store has the best deals for the items on your shopping list.


5. You can make returns at T.J.Maxx without a receipt.

A person holding an ID in side TJ Maxx

You don’t technically need a receipt to return items at T.J.Maxx. But without a receipt, you will have to show a valid photo ID. With no receipt, your refund can only be issued via store credit.


6. If you’re returning a gift, you’ll only get store credit.

Tj Maxx gift receipt

Anything with a gift receipt can only be exchanged or returned for merchandise credit according to the T.J.Maxx return policy.

Sorry, but that ugly, high-necked frilly nightgown that your aunt got you can’t be converted into cold, hard cash. Could be swapped out for something cute, though.


7. You usually have 40 days to return online orders.

TJ Maxx box on a doorstep

The T.J.Maxx online return policy gives most people 40 days to return their orders. Depending on your order, though, you may be given more or less time. The only way to know your window for sure is to check your packing slip.

TIP: Once you’re outside the return window, your refund will only be issued via store credit. Though you can still technically make a return.


8. You cannot make exchanges on online orders.

National Geographic kits at tjmaxx

T.J.Maxx’s inventory is constantly changing. So while you can return your online order and ask for a refund, you won’t be able to make any exchanges.


9. The T.J.Maxx online return policy allows for in-store returns.

A women purchasing items at the register.

Even if you placed an order online, you can still return it in-store. Just be sure to bring your packing slip or shipping confirmation email with you. That will count as your ‘receipt.’

TIP: If you paid with PayPal, your in-store refund will be issued via store credit.


10. Return shipping fees are on you.

A woman holding Lucky Brand jeans.

You technically can return online orders via mail, but I wouldn’t recommend it. You will be charged a steep $10.99 return shipping fee, which will be deducted from your refund.

The only way you can get out of paying this fee is if you received a defective item.


11. Your refund can take up to two weeks by mail.

A pair of brown ankle boots with a yellow clearance tag on them.

You will have to wait a really long time to get your refund by mail. First, your return has to be shipped to T.J.Maxx. Then, only after it’s received, you will have to wait an additional 10-14 days before your refund is issued.

It’s way more convenient to do the return in-person if possible.


12. These online orders cannot be returned in-store.

In some cases, in-store returns won’t be possible. These online orders must be returned via mail:

  • Items over $1,000.
  • Handbags that cost $500 or more.
  • Occasion gowns – but only the long ones.
  • Beauty items that you’ve already opened.


13. Returning items from The Runway gets a little tricky.

The Runway section at TJ Maxx.

The Runway is a section of select T.J.Maxx stores that offers discounted designer items. Not every store has one, though, and if you buy an item from The Runway, you can’t return it to a different store without that section.

Why? Associates can’t look up the current price or restock The Runway items if that section doesn’t exist at their store. They’ll send you back to where you bought the item or to another store with The Runway in it.

TIP: Wondering if your local T.J.Maxx has The Runway? Check the list. You can also shop The Runway online.


14. T.J.Maxx doesn’t have a holiday return policy anymore.

The holiday return policy sign at the front entrance.

The T.J.Maxx return policy doesn’t include special exceptions or timelines for holiday returns anymore. But some store associates will still give extra grace to purchases made in November and December.

That means you may be able to get a full refund for items you return with receipt more than 30 days after purchase.


15. You can’t make T.J.Maxx returns at Marshalls.

empty marshalls shopping cart in the marshalls store

Marshalls won’t accept your T.J.Maxx return even though they are sister companies. You’ll have to get yourself to an actual T.J.Maxx to make your return.

What did I miss? Share your secrets for navigating the T.J.Maxx return policy in the comments!

15 Ways to Optimize the T.J.Maxx Return Policy to Your Advantage