Here's how to make the Target REDcard worth it |

Target REDcard™ Credit Card review – October 2018

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Get discounts and benefits for all purchases made at Target and

30-second take

  • 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.
Product NameTarget REDcard™ Credit Card
Card TypeMastercard
Annual Fee$0
APR (Annual Percentage Rate) for Purchases24.65% variable
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $38
Returned Payment FeeUp to $27
Rates & FeesRates & Fees
Minimum Age18 years of age
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The basics

If you’re a Target regular, the Target REDcard™ Credit Card could be a great choice. You’ll get discounts when shopping at Target stores and online, free shipping for online Target purchases and exclusive offers from Target. With no annual fee and the opportunity to take advantage of interest-free days, it’s easy to keep your credit card costs to a minimum.

The perks

  • Discount at Targets stores.

    Get a 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 purchase with your card.

  • Free Shipping.

    When you make online Target purchases with the card, you’ll get free standard shipping for most items.

  • Target extras.

    On your REDcard anniversary, you’ll get gifts, special items, offers and coupons for 10% off.

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How much money can I save with the Target REDcard™ Credit Card?

With this card, you can save up to $200 if you annually spend $4,000 on and purchases made at the store. Also, for eligible purchases under $35 you won’t pay a shipping fee.

You’ll also like …

  • No annual fee.

    You won’t pay an annual fee to own the card.

  • Early access.

    You may get early access to events, products and promotions, depending on your previous purchases and where you live.

  • Online management.

    Manage your account from your smartphone, tablet or computer to check your outstanding balance, review statements and make payments.

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 $38 and returned payments have fees of up to $27.

Consider other cards if …

Compare store credit cards

Name Product Annual Fee Credit Score Min. Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured APR (Annual Percentage Rate) for Purchases Annual Fee
24.65% variable
A no annual fee credit card and discounts when you shop at Target.
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The Fingerhut Credit Account is store-specific, and used to finance purchases made from or Fingerhut FreshStart's catalogue.
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Helps you keep building your credit as you buy great name brand products.
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Get instant access to purchase items in the Fingerhut store with no overlimit fees.
Get a $500 credit limit to make purchases on the Horizon Outlet website.
Looking for the best card? You can have it while you build your credit with Horizon Card Services. Get an unsecured line of credit and the best customer service!
Shop the items you need at with up to a $1,000 credit.
Get a $300 to $5,000 instantly to shop 100,000+ items at Emporium.
24.65% variable
28.74% variable
6, 12, 18, and 24-month financing options available and special promotions just for cardmembers.

Compare up to 4 providers

What should I know before I apply?

To apply for the card, you must be at least 18 years old and a US resident.

You’ll also need to provide the following information:

  • Full name and contact information
  • Your Social Security number and government-issued ID
  • Your employment information
  • Details about your income and expenses

What credit score do I need?

You can apply with a fair credit score of 580 or higher. But to get a high credit line, apply with an excellent credit score.

What do customers say about the Target REDcard™ Credit Card?

Satisfied customers love the 5% discount and the additional perks that come with this card. Those who weren’t so satisfied mostly complained 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 at least some of the potential issues by thoroughly reading and understanding your card agreement.

How to apply for the Target REDcard™ Credit Card

  1. Go to the Target REDcard™ Credit Card page and click Apply now.
  2. Fill out the application form with your personal and financial information.
  3. Review your application and submit it.

How long will it take to get my Target REDcard™ Credit Card?

It may take up to 10 days to get a decision on your application.

Once approved, you’ll get your card, agreement and any welcome materials in the mail within 7 to 10 business days.

I got the card. Now what?

  • Download the Target mobile app. Use it to make purchases from the comfort of your home.
  • 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 1-800-424-6888 for any questions you may have.

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.

Frequently asked questions

Images: Target

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2 Responses

  1. Default Gravatar
    SteveAugust 21, 2018

    I have considered getting the Target Red Card. Can I get the 5% discount on gift cards – especially when Target offers discounts on their gift cards during the holidays (basically 5% off of the discounted gift card). Let me know if it is possible before I open this Card. Thanks.

    • finder Customer Care
      AshAugust 21, 2018Staff

      Hi Steve,

      Thank you for reaching out to finder.

      Unfortunately, the 5% discount does not apply to Target gift cards and prepaid cards. It will only apply to the purchases placed/ made on Target stores or

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions that we may assist you with.


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