Also, you get a 5% discount when you use your card for these purchases:
- Clearance
- Top deals
- Starbucks at Target stores
- Speciality gift cards for travel, restaurants, movie tickets and more.
- Target subscriptions
- Same-day delivery with Shipt
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Target REDcard™ Credit Card review
Last updated:
Get discounts and benefits for all purchases made at Target and Target.com
- Get this card if you frequently shop at Target.
- Pick something else if you want cash back.
- Apply with a fair credit score of 580 or higher.
Up to 5%
Cash back
$0
Annual fee
24.65%
Purchase APR (variable)
580
Recommended credit score
Target REDcard™ Credit Card
A no-annual-fee credit card and discounts when you shop at Target.
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Details
| Product Name | Target REDcard™ Credit Card |
|---|---|
| Card type | Mastercard |
| Annual fee | $0 |
| Purchase APR | 24.65% variable |
| Balance transfer APR | N/A |
| Interest free period | Up to 25 days |
| Late payment fee | Up to $39 |
| Returned payment fee | Up to $28 |
Expert review
Review by
Jeremy Cabral
jeremy.cabral@gmail.comJeremy is finder's Global Head of Publishing & Editorial. Jeremy has been with finder since the very beginning and is part of the founding team working closely with Fred and Frank to build finder.com into the comparison network it is today.
Expert review
The Target REDcard™ Credit Card is a store card with a $0 annual fee. It comes with many Target-related perks, such as 30-day extended returns and free shipping. On your card anniversary, you get gifts, special items and a 10% discount.
But what makes this card really special is the 5% discount on purchases at Target stores and Target.com. The discount stacks with additional offers, such as Black Friday deals, which can save you a solid amount of money if you spend a lot at the store.
What’s more, you can get 5% discount on Specialty Gift cards for a variety of dining, entertainment or travel purchases.
Considering it has no annual fee, the Target REDcard™ Credit Card is definitely worth considering.
Pros and cons
Pros
- Discount at Target stores
- Free shipping
- Extended returns
- Special offers
- No annual fee
Cons
- Discount doesn’t apply to all Target purchases
- No interest-free period
- High APR
- Stingy welcome offer
How to apply for the Target REDcard™ Credit Card
- Click Apply now.
- Fill out the application form with your personal and financial information.
- Review your application and submit it.
What credit score do I need?
You can apply with a fair credit score of 580 or higher. But applying with an excellent credit score will get you a high credit line.
Card benefits
Discount at Target stores.
Get an automatic 5% discount on purchases at Target stores and online. This means you’ll save $100 for every $2,000 spent at Target stores.
Extended returns.
Get an additional 30 days to make returns when you make a Target or Target.com purchase with your card.
Free shipping.
Get free standard shipping on orders over $35 when you make online Target purchases with the card.
Target extras.
Get gifts, special items, offers and coupons for 10% off on your REDcard anniversary.
No annual fee.
You won’t pay an annual fee to own the card.
Early access.
Depending on your previous purchases and where you live, get early access to events, products and promotions — like Black Friday sales.
Deeper dive: 5% discount
The REDcard will earn you one of the highest rewards rates among credit cards — 5% on purchases you make both in-store and online. Plus, you get the discount as soon as you purchase, so there’s no waiting until you collect enough points to redeem for rewards.
Unfortunately, the 5% discount doesn’t apply to all purchases. This includes:
- Prescriptions, over-the-counter items located behind the pharmacy counter and clinic services at Target.
- Eye exams.
- Gift cards, prepaid cards and Stockpile and Gift of College cards.
- Certain restaurant merchants in Target stores like D’Amico & Sons Italian Kitchen and Pret A Manger.
- Previous purchases.
- Credit account payments, debit card cash back and cash advances on the Target Mastercard.
- Gift wraps, shipping and handling charges on your online purchases.
- Wireless protection program purchases and deposits required by a mobile carrier.
What to watch out for
High APR on purchases.
The card comes with relatively high APR on purchases of 24.65% variable. However, if you pay your entire balance by the due date, you won’t accrue interest.
Discount exclusions.
Discounts can’t be used for gift cards, prepaid cards, prescriptions, eye exams, Target clinic services, credit card account payments, gift-wrapping or wireless protection programs required by mobile carriers.
Other fees.
Late payments come with fees of up to $39 and returned payments have fees of up to $28.
Customer reviews
Satisfied customers love the 5% discount and the additional perks that come with this card. Those with complaints talked about poor customer service, hidden fees and lack of credit line increases even after years of using the card.
TD Bank USA, the issuer of the card, has been accredited by the Better Business Bureau and receives an A+ rating. Overall, you can avoid some potential issues by thoroughly reading and understanding your card agreement.
Authorized users or cosigners
You can add authorized users to your Target REDcard™ Credit Card without cost, and they will be reported to the three major credit bureaus by TD Bank.
TD Bank doesn’t allow applying for a credit card with a cosigner.
Store cards comparison table
| Target REDcard™ Credit Card | Amazon Prime Rewards Visa Signature Card | Walmart Rewards Mastercard | |
|---|---|---|---|
| Rewards rate | 5% discount on Target and Target.com purchases |
|
|
| Welcome offer | No signup bonus currently offered | $100 Amazon.com gift card upon credit card approval | 5% cash back when you use your card to pay at Walmart stores with Walmart Pay for the first 12 months |
| Minimum credit score requirement | 580 | 670 | 580 |
| Annual fee | $0 | $0 but you need Amazon Prime membership | $0 |
Annual card value based on credit card spending
| Target REDcard™ Credit Card | Amazon Prime Rewards Visa Signature Card | Walmart Rewards Mastercard | |
|---|---|---|---|
| Purchases made at the store | $5,000 | $5,000 | $5,000 |
| Welcome offer | N/A | $100 | N/A |
| Restaurants | $5,000 | $5,000 | $5,000 |
| Gas stations/Walmart gas stations | $5,000 | $5,000 | $5,000 |
| Drugstores | $1,000 | $1,000 | $1,000 |
| Travel | $2,000 | $2,000 | $2,000 |
| Everything else | $2,000 | $2,000 | $2,000 |
| Total spent | $20,000 | $20,000 | $20,000 |
| Total rewards | $250 | $560 | $520 |
With Target REDcard™ you can get a 5% discount on dining, travel and entertainment.
Technically, the Target REDcard™ only earns an 5% back on eligible Target purchases. However, there’s an interesting workaround that can help the card match any other store card with a 5% discount on dining, travel and entertainment purchases.
To get it, you simply need to purchase Target Specialty gift cards. Some of the gift cards include:
- Burger King
- Olive Garden
- Buffalo Wild Wings
- Red Lobster
- Netflix
- Regal Cinemas
- PlayStation Store
- Nintendo Store
- Xbox Store
- iTunes
- Uber
- Airbnb
- Southwest Airlines
- Delta
Note: Some restrictions apply, such as a maximum of $500 per gift card ($25 discount). Make sure you read the program rules.
While you’re restricted to whatever Target has available, purchasing gift cards maximizes the card’s flexibility.
Consider other cards if…
- You spend more money at other retailers. The Amazon Rewards Visa Signature Card or the Walmart Credit Card could be an option if you regularly shop at their stores. In addition, these two cards let you earn accelerated points in other categories, such as restaurants, gas and travel.
- You want a 0% intro APR period. Making a large purchase and paying it off without interest for a long period of time could be a solid option in saving money. If this is what you need, compare 0% intro APR credit cards.
Cards to pair with Target REDcard™ Credit Card
Considering the Target REDcard™ Credit Card has no annual fee, it can be a valuable addition to your wallet for Target and Target.com purchases. Unfortunately, the card has little value outside of Target.
In this case, consider pairing the Target REDcard™ Credit Card with:
- Blue Cash Preferred® Card from American Express. This can be an excellent credit card that can boost cash back on purchases at the following US merchant options: supermarkets, streaming services, gas stations and transit purchases — including taxis, rideshares, parking, tolls, buses and more.
- Citi® Double Cash Card. This card lets you earn one of the highest rewards rates on all purchases. Use it only where other cards earn 1% cash back.
- Chase Sapphire Preferred® Card. If you’re a frequent traveler, this card can give you a solid value without burning a hole in your pocket.
How to make the most out of your card
With this card, you can save up to $200 when you spend $4,000 at Target in a year — online or in the store. For eligible purchases over $35 you’ll get free shipping, saving you even more when you shop online. As a result, using it for Target and Target.com purchases are the only ways to get the most out of this card. Consider using other rewards credit cards on all other purchases.
In addition, you could:
- Download the Target mobile app. Use it to make purchases online.
- Avoid interest. Your grace period is 25 days after the close of each billing cycle. Try to pay your balance by then to avoid paying a high APR.
- Customer service. Sign in to your online account or call 800-424-6888 for any questions.
Save more at Target
Target frequently marks down select items both in stores and online. Each department usually gets marked down on a different day of the week, so keep your eyes peeled for discounts on big-ticket items Monday through Friday. Target’s Black Friday and Cyber Monday sales also promise some of the best deals of the year, with some sales kicking off as early as the first week in November.
Other times of year, snap up a coupon or browse the clearance section on Target’s website to score the lowest possible prices.
Compare similar store credit cards
Bottom line
If you’re a loyal Target customer, this could be a great card for you. You’ll get a 5% discount on all purchases, extended return period, free shipping and other cool extras.
However, if you’re not sure whether this card is the right pick for your needs, check out other store cards or cashback cards to compare your options.