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Get discounts and benefits for all purchases made at Target and Target.com
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 Name | Target REDcard™ Credit Card |
|---|---|
| Card Type | Mastercard |
| Annual Fee | $0 |
| APR (Annual Percentage Rate) for Purchases | 24.65% variable |
| Interest Free Period | Up to 25 days |
| Late Payment Fee | Up to $38 |
| Returned Payment Fee | Up to $27 |
| Rates & Fees | Rates & Fees |
| Minimum Age | 18 years of age |
|---|
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 Target.com 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.
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 Target.com 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 …
You spend more money at other department stores.
If you mostly buy at Walmart, the Walmart Credit Card could be a better choice. Alternatively, you can check out the My Best Buy® Visa® Card or Costco Anywhere Visa® Card by Citi where you get cash back instead of discounts.
You want higher cash back on specific categories.
For heavy spenders on groceries and gas, the Blue Cash Preferred® Card from American Express may be a better match. However, if you mostly spend on dining, travel, Uber and online purchases — the Uber Visa Card would be a better choice.
You want unlimited cash back on all purchases.
In that case, you should consider the Citi® Double Cash Card, which earns you 1% back when you make a purchase and an additional 1% back when you pay the purchase off for a total of 2% cash back.
Alternatively, the PenFed Power Cash Rewards Visa Signature® Card offers 1.5% unlimited cash back on all purchases, or 2% back if you’re PenFed Honors Advantage member.
Compare store credit cards
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
- Go to the Target REDcard™ Credit Card page and click Apply now.
- Fill out the application form with your personal and financial information.
- 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.
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.
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 Target.com.
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.
Cheers,
Ash