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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

$0

Annual fee

24.9%

Purchase APR (variable)

580

Recommended credit score

Details

Product NameTarget REDcard™ Credit Card
Card typeMastercard
Annual fee$0
Purchase APR24.9% variable
Balance transfer APRN/A
Interest free periodUp to 25 days
Late payment feeUp to $38
Returned payment feeUp to $27
Apply now

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 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 on orders over $35.

  • Target extras.

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

Apply now

How much money can I save with the Target REDcard™ Credit 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 won’t pay shipping, which can save you even more when you shop online.

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, like Black Friday sales 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 24.9% 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.

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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 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.

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.

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 seven to 10 business days.

I got the card. Now what?

  • 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.

The 7 best credit cards for groceries

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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6 Comments

  1. Default Gravatar
    Jen
    February 3, 2019

    What credit score is needed for approval?

    • AvatarStaff
      Val
      February 6, 2019

      Hi Jen,

      Thank you for leaving a question.

      You can apply with a fair credit score of 850 or higher. But to get a high credit line, apply with an excellent credit score. Hope this helps.

      Regards,
      Val

  2. Default Gravatar
    Noni
    November 23, 2018

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

    • AvatarStaff
      Ash
      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.

      Cheers,
      Ash

  3. Default Gravatar
    Steve
    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.

    • AvatarStaff
      Ash
      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.

      Cheers,
      Ash

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