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Target REDcard Debit Card review

Make every day a sale day when you shop the bull's-eye.’s rating: 5.0 / 5.0


Target’s branded debit card provides special savings and discounts every time you shop the retail giant. Combine coupons and specials to save even more, with the money you spend coming straight out of your linked bank account.

  • Get this card if you frequently shop at Target and could use an extra 5% off of every purchase.
  • Pick something else if you don’t shop the bull’s-eye brand.
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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 into the comparison network it is today.

Expert review

The Target REDcard Debit Card is best for loyal Target shoppers who want to earn rewards on their everyday purchases. The card offers 5% off their everyday purchases in stores and online and speed deliveries.

But if you’re not a die-hard bull’s-eye shopper and prefer a cashback rewards card that works in more than one store, you’ll want to keep looking.

How to open a Target REDcard Debit Card account?

  1. Go to the provider’s site and follow the steps to apply.
  2. From Target’s site, click Manage REDcard. Then click on Apply for debit now.
  3. Complete your personal information, establish your login details and click Continue.
  4. Proceed through the application process, completing your security information, address and financial details.
  5. Review and submit your application.

The basics

If you shop at Target, the REDcard Debit Card is a no-brainer. It’s not a credit card, so there’s no risk of accumulating debt. And you’ll earn 5% off of every purchase made at Target when using the card, plus free two-day shipping on select items to select ZIP codes. You also get an additional 30 days to return items purchased with the card.

What you’ll like

The Target REDcard Debit Card is loyalty card for use in stores or when shopping at If you’re looking for a way to save money at your favorite store, you might like its:

  • Special savings. Each purchase made with your REDcard gets a 5% discount that you can combine with coupons and Cartwheel Target subscriptions.
  • No fees. You won’t pay monthly or annual fees to use your debit card. And because funds are withdrawn from your checking, you won’t pay finance charges either.
  • Extended returns. Get an extra 30 days on the standard policy to return an item.
  • Free two-day shipping. Speed up delivery on select purchases to select ZIP codes with your card.
  • Free standard shipping. Get free standard delivery in the US and to APO or FPO addresses and Puerto Rico.

What to watch out for

There aren’t many red flags with the Target REDcard. But you’ll want to make sure you understand how it works.

  • It’s a debit card. Funds are drawn directly from your linked checking account, which means you’ll need to confirm you have enough to cover your purchases.
  • For use at Target only. You can’t use your card at other stores or sites.
  • High return payment fee. You face fees of up to $40 if your bank returns an electronic funds transfer for any reason.

If you want a debit card that offers cashback rewards on everyday savings outside of Target stores, you’ll want to keep looking. As always, compare your options when considering a debit card.

Case study: Jen’s experience – April 2019

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Jennifer Gimbel
Loans Editor

I shop at Target at least once a week, so it sounded like a no-brainer to sign up for the Target REDcard Debit Card.

Signing up for the card online took less than 10 minutes, but it took over a month to actually receive it. Apparently, the first time Target attempted to send it to me, the letter was marked “return to sender.” I found it annoying that I had to reach out to customer service myself to learn this — they didn’t automatically try to send me the card again.

Now that I actually have the card, it’s been awesome saving 5% every time I shop. And I’ve never had any security issues — something I feared, because you have to link the card to your checking account to sign up.

Compare checking accounts to link to this card

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
55,000+ free Allpoint ATMs worldwide
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $150 bonus when you spend $1,000 in your first 60 days.
NorthOne Business Banking
Finder Rating: 3.4 / 5: ★★★★★
NorthOne Business Banking
withdraw cash at any Cirrus branded ATM location (+1,000,000 locations accross the U.S + 2m worldwide), including MoneyPass ATMs

NorthOne Business Banking is an all-in-one solution for small business owners, startups and freelancers. It boasts unlimited free transactions, subaccounts, and robust bookkeeping integrations.
Citi Priority Checking
Citi Priority Checking
Over 72,000 fee-free ATMs in the U.S.
Secure online banking and access to cash with one of the largest networks of fee-free ATMs in the US. Earn up to $1,500 when you open an eligible account and complete required activities.
Finder Rating: 4.8 / 5: ★★★★★
1.20% on balances of $0 to $50,000
0.25% on balances of $50,000.01+
More than 85,000 ATMs nationwide
A free account for crypto and cash that earns a 1.2% bonus rate plus 5% cashback on purchases from participating retailers.
First Citizens Bank Free Checking
First Citizens Bank Free Checking
1,100+ First Citizens Bank ATMs
First Citizens Bank Free Checking stands out for its built-in finance tracking tool, Manage My Money. Available to residents in NC, SC, TN, AZ, CA, CO, FL, GA, KS, MD, MO, NM, OK, OR, TX, VA, WA, WV, and WI.
Chime Spending account
Finder Rating: 4.7 / 5: ★★★★★
Chime Spending account
60,000+ fee-free ATMs
Get rid of fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.

Compare up to 4 providers

What should I know before I apply?

You’ll need to meet eligibility requirements:

  • You must be at least 18 years old.
  • You must live in the US and own a US checking account. also recommends gathering documentation that includes:

  • Your Social Security number.
  • Government-issued ID. Like a driver’s license, state ID or military ID.
  • Baking details. You’ll need a US-based checking account and bank routing number to link your card.

Target REDcard Debit Card reviews and complaints

As of October 2020, the majority of customer reviews online are positive, from “I have no complaints” to “Really my favorite card.” You’ll find the occasional unhappy customer who claims their transactions were declined for no reason, with hefty fees. Still others say the Target REDcard Credit Card offered better benefits, and so they switched.

I got the card. Now what?

After approval, Target links your card to your designated checking account. Activate the card by calling the number on your card and setting up your PIN. Start using your REDcard at Target stores and online at to get 5% off your purchases.

  • Avoid fees. Avoid returned payments fees by confirming you have enough funds in your checking account to cover purchases made with your REDcard Debit Card.
  • Customer service. Get help by sending a secure online message, calling 888-729-7331 or mailing Target Card Services, PO Box 660170, Dallas, TX 75266-0170.

Frequently asked questions

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

Ask an expert

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  1. Default Gravatar
    October 30, 2018

    I am a customer. I would like to sign into your RED CARD CREDIT. It will not accept my name or secret code. Can you help?

    • Default Gravatar
      October 31, 2018

      Hi Raymond,

      Thanks for leaving a question on finder.

      If you are having issues logging in to your Target RedCard online, you can try resetting your password. If that does not work, you can contact their customer service directly to resolve this.

      Please send me a message if you need anything else. :)


  2. Default Gravatar
    October 24, 2018

    I don’t have a checking account, is it compulsory I have that before I can apply for the red card.

    • Avatarfinder Customer Care
      October 24, 2018

      Hi Daniel,

      Thanks for your inquiry.

      Yes. It is recommended to have a US-based account number and bank routing number in order to link the card to your banking account.

      I hope this helps.

      Kind regards,

  3. Default Gravatar
    July 2, 2018

    I’m traveling to Australia and noticed that a Target is near my hotel. Can I use my Target debit card there? Thanks.

    • Default Gravatar
      July 2, 2018

      Hi Kim,

      Thanks for contacting finder.

      Yes, you can use your Target debit card in Australia.

      Hope this helps!


  4. Default Gravatar
    September 24, 2017

    If I had a red card debit from target, can I transfer money from my bank account to the card? If it’s hooked up to my account I wouldn’t need to transfer money from my card to my checking account and can be used at an ATM? I haven’t found a good answer yet. Please let me know thanks

    • Default Gravatar
      September 25, 2017

      Hello Michael,

      Thank you for your inquiry.

      You can link your depository account (anywhere within the US, and it can be either savings or current) to your Target debit card. Whenever you use this card, your linked bank account will do an electronic fund transfer for your purchases to go through. Please take note that this is not available through ATM withdrawal, as a payment to Target credit card, or non-affiliated merchants or stores outside US.

      Kindly download and read the product terms which can be found on their website or contact Target for further information.

      Hope this helps.


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