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Target REDcard Debit Card review

This debit card offers 5% off your Target purchases, making every day a sale day when you shop the bull's eye.

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Our verdict

Target's branded RedCard debit card offers an exclusive 5% savings discount whenever you shop at the retail giant. In addition to the card's discount, you can combine coupons and specials to save even more. It makes the most sense if you're a Target aficionado and don't mind a store-specific debit card that withdraws the money straight out of your linked bank account.

Best for: Frequent Target shoppers looking to snag an extra 5% off every purchase.

  • 5% discount off every Target purchase
  • No monthly or annual fee
  • Get an extra 30 days on the standard return policy
  • Most items from ship for free
  • Can't use the card at other stores or sites


Finder rating

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$0 per month

Minimum deposit to open


Who is the Target REDcard Debit Card best for?

The Target REDcard Debit Card is best for loyal Target shoppers who want to earn rewards on their everyday purchases. The card offers 5% off their everyday purchases in stores and online and speed deliveries.

What we like about the Target REDcard Debit Card

The Target REDcard Debit Card is a convenient way to earn 5% off all purchases from Target. Instead of a cashback reward system that you earn and later redeem, you’ll enjoy a 5% discount on purchases right away, with a few exclusions like prescriptions and gift cards.

You can also combine your discount with coupons and other savings from Target Circle, its free loyalty program. You’ll also save 5% at Starbucks located inside Target stores.

Other perks include free shipping when you place an online order. Most things ship free, and eligible items qualify for free two-day shipping. Keep in mind that some items, generally smaller products like makeup, only ship when you meet a minimum purchase amount.

Where the Target REDcard Debit Card falls short

Like most store-branded debit cards, your Target REDcard Debit Card only works at Target. While its other RedCard options, RedCard Reloadable and RedCard Credit, allow you to swipe your card at retailers outside of Target, the Target REDcard Debit Card restricts your spending to Target only. And unlike the RedCard reloadable, you can’t add cash to your account at any Target store.

Also, while the Target REDcard Debit Card links to your checking account, it doesn’t have the same functionalities as your bank’s debit card. For example, this card doesn’t support ATM withdrawals, wire transfers or international transactions.

Target RedCard’s fees and access

Type of feeFee details
Monthly service$0
Opening deposit$0
ATMsNot supported
Foreign transactionsNot supported
Returned payment feesUp to $40, depending on where you live
Wire transfersNot supported

Compare Target REDcard Debit Card to other debit cards

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Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
SoFi Checking and Savings
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4.60% on balances of $0+
0.50% on balances of $0+
1.20% on balances of $0+
Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until June 30, 2024.
Earn up to 4.60% APY on savings by meeting deposit requirements, and 0.50% APY on checking balances. Members without deposit requirements will earn 0.50% APY on both savings and checking balances. Turn on automatic savings or use the Roundups feature to help you reach your savings goals faster. Get up to $2M of additional FDIC insurance through a network of participating banks.
Finder Rating: 4.8 / 5: ★★★★★
From $0 per month
4.25% on balances of $0+
3.25% on balances of $0+
Get a $10 cash reward when you first use you card on a qualifying $1+ transaction.
Revolut is a global fintech that offers up to 40% off international transfers.
Discover® Cashback Debit
Finder Rating: 4.8 / 5: ★★★★★
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Finder Rating: 4.7 / 5: ★★★★★
$0 per month
5.00% on balances of $0 to $250,000
1.00% on balances of $250,000.01+
A no monthly fee checking account that earns up to 5.00% APY and offers cashback, direct deposit and overdraft protection. See details below.
Key Smart Checking
Finder Rating: 4.2 / 5: ★★★★★
Key Smart Checking
$0 per month
Earn a $200 cash bonus when you open a Key Smart Checking account by 3/8/24 and make one direct deposit of at least $500 within 60 days.
Easily open this free checking account in about five minutes. Use EasyUp to effortlessly round up your debit card purchases to make saving a breeze, and conveniently bank from the KeyBank mobile app or find a KeyBank branch near you.

How to sign up for a Target REDcard Debit Card

Fill out an application for a Target brand debit card on its website or visit the customer service desk at any Target location.

Customer service experience

Target holds an A- rating with the Better Business Bureau (BBB). Its Trustpilot score is 1.7 out of 5 stars based on nearly 2,900 reviews. But reviews are based on the store and not its debit card. The recent onslaught of negative reviews stems from recent backlash regarding its Pride merchandise.

While there aren’t many reviews regarding the RedCard Debit Card on the BBB and Trustpilot websites, Redditors enjoy the debit card for its perks, especially the 5% discount, and have described it as “a no-brainer.” The primary complaint is that, from customer experience, the transactions don’t post as quickly as a bank debit card transaction, which means you’ll need to stay on top of how much money you have in your account before you swipe.

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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8 Responses

    Default Gravatar
    RaymondOctober 30, 2018

    I am a customer. I would like to sign into your RED CARD CREDIT. It will not accept my name or secret code. Can you help?

      Default Gravatar
      joelmarceloOctober 31, 2018

      Hi Raymond,

      Thanks for leaving a question on finder.

      If you are having issues logging in to your Target RedCard online, you can try resetting your password. If that does not work, you can contact their customer service directly to resolve this.

      Please send me a message if you need anything else. :)


    Default Gravatar
    DanielOctober 24, 2018

    I don’t have a checking account, is it compulsory I have that before I can apply for the red card.

      BellaOctober 24, 2018Finder

      Hi Daniel,

      Thanks for your inquiry.

      Yes. It is recommended to have a US-based account number and bank routing number in order to link the card to your banking account.

      I hope this helps.

      Kind regards,

    Default Gravatar
    KimJuly 2, 2018

    I’m traveling to Australia and noticed that a Target is near my hotel. Can I use my Target debit card there? Thanks.

      Default Gravatar
      nikkiangcoJuly 2, 2018

      Hi Kim,

      Thanks for contacting finder.

      Yes, you can use your Target debit card in Australia.

      Hope this helps!


    Default Gravatar
    MichaelSeptember 24, 2017

    If I had a red card debit from target, can I transfer money from my bank account to the card? If it’s hooked up to my account I wouldn’t need to transfer money from my card to my checking account and can be used at an ATM? I haven’t found a good answer yet. Please let me know thanks

      Default Gravatar
      JonathanSeptember 25, 2017

      Hello Michael,

      Thank you for your inquiry.

      You can link your depository account (anywhere within the US, and it can be either savings or current) to your Target debit card. Whenever you use this card, your linked bank account will do an electronic fund transfer for your purchases to go through. Please take note that this is not available through ATM withdrawal, as a payment to Target credit card, or non-affiliated merchants or stores outside US.

      Kindly download and read the product terms which can be found on their website or contact Target for further information.

      Hope this helps.


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