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Target REDcard™ Credit Card review

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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


Annual fee


Purchase APR (variable)


Recommended credit score

Target REDcard™ Credit Card
A no-annual-fee credit card and discounts when you shop at Target.

Need help? Talk to a customer specialist



Product NameTarget REDcard™ Credit Card
Card typeMastercard
Annual fee$0
Purchase APR24.65% variable
Balance transfer APRN/A
Interest free periodUp to 25 days
Late payment feeUp to $39
Returned payment feeUp to $28

Expert review

Jeremy Cabral

Review by

Jeremy 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.

Apply now

Pros and cons


  • Discount at Target stores
  • Free shipping
  • Extended returns
  • Special offers
  • No annual fee


  • Discount doesn’t apply to all Target purchases
  • No interest-free period
  • High APR
  • Stingy welcome offer
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How to apply for the Target REDcard™ Credit Card

  1. Click Apply now.
  2. Fill out the application form with your personal and financial information.
  3. 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.

Apply now

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.

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

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 CardAmazon Prime Rewards Visa Signature CardWalmart Rewards Mastercard
Rewards rate5% discount on Target and Target.com purchases
  • 5% cash back on Amazon.com and Whole Foods Market purchases
  • 2% cash back at restaurants, drugstores and gas stations
  • 1% cash back on all other purchases
  • 5% cash back on Walmart.com, Walmart app and grocery pickup and delivery
  • 2% cash back at Walmart stores, Walmart & Murphy USA fuel stations, restaurants and travel
  • 1% cash back on all other purchases
Welcome offerNo signup bonus currently offered$100 Amazon.com gift card upon credit card approval5% cash back when you use your card to pay at Walmart stores with Walmart Pay for the first 12 months
Minimum credit score requirement580670580
Annual fee$0$0 but you need Amazon Prime membership$0

Annual card value based on credit card spending

Target REDcard™ Credit CardAmazon Prime Rewards Visa Signature CardWalmart Rewards Mastercard
Purchases made at the store$5,000$5,000$5,000
Welcome offerN/A$100N/A
Gas stations/Walmart gas stations$5,000$5,000$5,000
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.

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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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  1. Default Gravatar
    February 3, 2019

    What credit score is needed for approval?

    • Avatarfinder Customer Care
      February 6, 2019

      Hi Jen,

      Thank you for leaving a question.

      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. Hope this helps.


  2. Default Gravatar
    November 23, 2018

    Can i use red card right away online once aproved.and how

    • Avatarfinder Customer Care
      November 24, 2018

      Hello Noni,

      Thank you for reaching out to us.

      You will need to wait to receive the RedCard Credit Card to be able to use to. You need to have your card with you as you need your card details for any transactions.

      You will receive the card, agreement and other welcome materials in 7-10 business days.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions.


  3. Default Gravatar
    August 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.

    • Avatarfinder Customer Care
      August 21, 2018

      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.


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