5% off all orders with Target RedCard
Apply today to start saving on every order, plus get free two-day shipping.
Up to 5%
Purchase APR (variable)
Recommended credit score
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The Target REDcard™ Credit Card is a $0-annual-fee store card that’s valid only at Target. Its key feature is a 5% discount on in-store and online Target purchases. This is among the highest cashback rates you’ll find among rewards cards, though you’ll find even higher rates with products such as the Blue Cash Preferred® Card from American Express.
In addition to the 5% discount, the Target REDcard™ Credit Card offers free two-day shipping at Target.com, an extended return and exchange window, additional discounts and access to exclusive products. On the downside, it has a high interest rate — and you don’t have the opportunity to receive a lower rate even if you have strong credit. That said, pay off your balance in full each month to avoid heavy interest.
This card is best for frequent Target shoppers.
This isn’t the best option if you want a card you can use widely, or if you don’t shop much at Target.Back to top
While many consumers have reported approval with scores of 620 and above, some consumers say they’ve been approved with scores in the high 500s.
As with all credit products, you have better odds of approval if you have a higher credit score. If you’re not sure your score qualifies you for the Target REDcard™ Credit Card, consider working on your credit for several months before applying.
If you’ve ever been approached by a Target staffer asking if you wanted to apply for a Target REDcard™ Credit Card, you might have said “no” out of habit. How good could a store card be, anyway?
But sometimes you just need a little time, outside of the store, to carefully evaluate whether the card is actually right for you. Here’s the verdict in a nutshell: The card offers an effective discount, and it’s a good pick if you’re a frequent Target shopper.
Your shopping cart could include clothes, video games, books and appliances and more and you could get a 5% discount on all of that so long as they’re eligible purchases.
This discount — applied at checkout — also makes the Target REDcard™ Credit Card a good choice for grocery shopping. Only a few cards, such as the Blue Cash Preferred® Card from American Express, offer better reward rates.
According to Target, other purchases are also good for 5% discounts, including:
Pro tip: If you want to squeeze out the highest possible discounts, download the Target app. You can combine the Target REDcard™ Credit Card‘s 5% savings with the 5% to 50% discounts you can find through Target Circle.
To see whether this card’s free two-day shipping is right for you, consider Target’s normal options for standard and two-day shipping.
Standard shipping — three to five business days — and two-day shipping are already free if your order size is at least $35. The minimum shipping charge is $5.99. Meanwhile, you’ll receive two-day shipping at Target.com, regardless of order size, when you use your Target REDcard™ Credit Card. That means the card’s shipping benefit is most useful if you often make small purchases on the retailer’s website.
Still, shipping rates offered by the Target REDcard™ Credit Card compare favorably to a rival, the Amazon Rewards Visa Signature Card. The latter doesn’t offer free shipping.
Some products on Target.com might be designated with “Only ships with $25 orders.” That means you can buy those items only if your cart subtotal is at least $25. In this case, you won’t receive two-day shipping if you don’t meet the minimum — even if you have the Target REDcard™ Credit Card.
Target already has a lenient return policy: You can return most new, unopened products within 90 days of purchase. If you like having even more time for returns, however, the Target REDcard™ Credit Card offers an additional 30 days for returns and exchanges. This probably isn’t a policy most people would take advantage of, but it’s never a bad thing to have an extra benefit in case you need it.
At this time, Target lists only two exclusions for extended returns and exchanges: non-returnable items and Target Optical purchases
According to Target, carrying a Target REDcard™ Credit Card affords you access to “exclusive extras, including special items, gifts and offers.” These benefits change throughout the year.
Here are a few examples of what you might find:
The biggest weaknesses of the Target REDcard™ Credit Card are two-fold. For one, it’s not that useful if you don’t shop at Target much. And this is one card you don’t want to carry a balance on, as you’ll get dinged heavily on interest.
The Target REDcard™ Credit Card is closed-loop, meaning it’s only valid at Target or Target.com. This is different from a card such as the Walmart Rewards Mastercard, which is an open-loop card that can be used anywhere that accepts Mastercards. Accordingly, Target REDcard™ Credit Card might take up unnecessary space in your wallet if you rarely shop at Target.
Along the same lines, the discounts you’ll receive are valid only at Target. Saving 5% on a rare Target trip might not be worth the hassle of maintaining an additional credit product. Even if you do shop at Target regularly, you might wish the card offered discounts at other merchants.
Credit card issuers often have a range of APRs they might offer you depending on your creditworthiness. However, the Target REDcard™ Credit Card has just one purchase APR: 24.4% variable.
While this rate is standard for a store card, it’s significantly higher than the average credit card APR of around 17%. It’s never advisable to carry interest on a rewards card, as it means you’ll effectively erase the rewards you earn. In the case of the Target REDcard™ Credit Card, collecting interest could easily mean you essentially don’t save anything with your card’s 5% discount.
Store credit cards aren’t known for their signup bonuses. However, some cards will give you a goodie as you open your card. For example, the Kohl's Credit Card gives you an extra 35% off your first Kohl’s Charge purchase. And the Amazon Rewards Visa Signature Card — a close competitor — offers a $60 Amazon.com gift card upon approval. Unfortunately, there’s no signup bonus with the Target REDcard™ Credit Card.
You can’t get prequalified for the Target REDcard™ Credit Card. However, you can gauge your approval odds by considering your credit score.
Many customers say they enjoy having the card’s 5% discount. Cardholders rightfully point out that the card has a high purchase APR. They advise others to pay off their balances in full each month to avoid interest.
If you don’t want a credit card, consider taking up a common suggestion of applying for the Target REDcard™ Credit Card instead. You’ll get many of the same benefits as you would with the Target REDcard™ Credit Card, along with the ability to withdraw up to $40 in cash at checkout.
You can add authorized users to your Target REDcard™ Credit Card account by calling your card’s support phone number. TD Bank, the card issuer, doesn’t allow cosigners.
Compare signup bonuses from big-box retailer store cards
|Card||Signup bonus value|
|Target REDcard™ Credit Card||None|
|Amazon Prime Rewards Visa Signature Card||$70|
|Amazon Rewards Visa Signature Card||$50|
|Sam's Club® Credit Card||$45|
|Costco Anywhere Visa® Card by Citi||None|
Compare effective reward/discount value for $5,000 in annual spend exclusively at the affiliated retailer
|Card||Effective rewards/discounts on $5,000 in annual spend at affiliated retailer|
|Target REDcard™ Credit Card||$250|
|Amazon Rewards Visa Signature Card||$150|
|Amazon Prime Rewards Visa Signature Card||$131|
|Costco Anywhere Visa® Card by Citi||$90|
|Sam's Club® Credit Card||$50|
Consider another credit card if you don’t shop much at Target. The retailer’s largest big-box competitors all have their own cards. Also, you may want to get a card that offers accelerated rewards for the categories in which you spend the most.
The Target REDcard™ Credit Card is most useful if you’re a frequent shopper at Target. What’s more, you can get a variety of items at the retailer, so you can conceivably get a 5% discount on a large portion of your overall spending.
However, the Target REDcard™ Credit Card isn’t valid outside of Target. For purchases outside of the retailer, you’ll want to use a different rewards card.
Here are a few cards to consider:
You don’t have to redeem your Target REDcard™ Credit Card discounts. The discounts are applied immediately as you check out with your credit card.
If you’re approved, here’s what to do to maximize your Target REDcard™ Credit Card:
The Target Mastercard® is another version of this card. While it has essentially the same features, it has an important difference of being valid at merchants outside of Target.
You can’t apply for the Mastercard version. However, you may be upgraded to it after you become a cardholder of the Target REDcard™ Credit Card.Back to top
The Target REDcard™ Credit Card is an excellent choice if you’re a frequent shopper at Target, as you’ll receive a strong 5% discount on most purchases. If you rarely shop at the retailer, consider another rewards card that’s valid at a variety of merchants.
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