Target debit card REDcard review + 5% off & free shipping |

Target REDcard Debit Card review

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Make every day a sale day when you shop the bull’s-eye.

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.

30-second take

  • 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.

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.

    Rates last updated February 19th, 2019
    Details Features
    Target Redcard - Debit Card
    Target Redcard - Debit Card
    Draw from your existing account with no annual fee.
    • Works like a check
    • Chip and PIN enabled
    Go to site More info

    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 And because funds are withdrawn from your checking, you won’t pay finance charges either.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.
    Rates last updated February 19th, 2019
    Details Features
    Target Redcard - Debit Card
    Target Redcard - Debit Card
    Draw from your existing account with no annual fee.
    • Works like a check
    • Chip and PIN enabled
    Go to site More info

    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.

    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.

    How to apply for the Target REDcard Debit Card

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

    What do customers say about the Target REDcard Debit Card?

    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.

    Bottom line

    The Target REDcard Debit Card is a helpful way for loyal Target shoppers to get 5% off their everyday purchases in stores and online. But the Target REDcard Credit Card could be a more powerful card for die-hard bull’s-eye shoppers

    Frequently asked questions

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    8 Responses

    1. Default Gravatar
      RaymondOctober 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
        joelmarceloOctober 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
      DanielOctober 24, 2018

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

      • finder Customer Care
        BellaOctober 24, 2018Staff

        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
      KimJuly 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.

      • finder Customer Care
        nikkiangcoJuly 2, 2018Staff

        Hi Kim,

        Thanks for contacting finder.

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

        Hope this helps!


    4. Default Gravatar
      MichaelSeptember 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
        JonathanSeptember 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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