Yes, you can buy gift cards with a Target Credit Card along with anything else Target sells online or in-store. You just can’t use your Target Credit Card to make purchases outside of Target.
Just keep in mind that the Target Credit Card’s 5% discount offered online and in-store does not apply to Target gift cards, prepaid cards, Game On, Gift of College and lottery gift cards. Also, gift cards cannot be used to apply payments towards a Target Credit Card. Nor can you use a Target gift card to buy another gift card.
The Target Credit Card credit score requirement is fair, meaning you will need a credit score over 640 to get it. The Target Credit Card is a store card, and just about all store credit cards require fair credit. But because it’s a store credit card, it can only be used to make Target purchases, in-store and online.… read full answer
When you apply for a Target Credit Card, your credit score is one of the major factors that the card’s issuer will consider. But it’s not the only factor. Your income, employment status, debts and housing information matter, too. But generally speaking, the higher above 640 your score is, the better your odds of approval are.
Here are the Target Credit Card requirements:
Minimum credit score: 640 (fair credit)
Age requirement: 18 years old
Income requirement: Enough to afford monthly payments (wages, investments, etc.)
Citizenship: Must be a U.S. citizen with a valid SSN
Bank account requirement: Must have a checking account at a bank in the U.S.
You can apply for the Target Credit Card online, by phone at (800) 659-2396, by mail, or in person at a local Target store. When you apply online, you may be approved instantly, or your application may require additional review. A decision on a pending application can take 7-10 business days.
If approved, you will receive a minimum starting credit limit of $250. You will also be able to make purchases the same day you’re approved. You get temporary card information to use until your actual card arrives.
The Target credit card gives you a 5% discount at Target and Target.com. You’ll also get 30 extra days for returns and free two-day shipping on Target.com orders. There’s a $0 annual fee.
No, you cannot use the Target Credit Card anywhere. The Target Credit Card, also known as the Target RedCard, can only be used at Target stores, online at target.com, or through the Target mobile app because it is a store credit card.
On the other hand, the Target Mastercard credit card can be used anywhere Mastercard is accepted. The Target Mastercard is no longer available to new applicants, though.… read full answer
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