Does Target have a major credit card?

Yes, Target actually has two credit cards, the Target Mastercard and the store version – the Target Credit Card. But before you apply, there are a few things you should be aware of.

• Credit card acceptance: The Target Mastercard can be used pretty much anywhere credit cards are accepted. The Target Credit Card, on the other hand, can only be used for Target purchases, in store and online. ... read full answer
• Credit card application: Potential cardholders do not get to choose which card they apply for. If they apply and get approved, the applicants will get either the Target Credit Card or the Target Mastercard, depending on their creditworthiness.
• Credit score required: You need at least fair credit (a credit score of 640+) to get approved for the Target Credit Card. The Target Mastercard, on the other hand, requires excellent credit or better (a credit score of 750+) for approval.
• Credit Card Rewards: The Target Credit Card offers 5% discount at Target and Target.com. With the Target Mastercard, you can earn 5% discount on all Target purchases, 2% in rewards on dining and gas, 1% on all other purchases outside Target or Target.com.
• Other Perks: Both cards offer 30 extra days for returns for items bought in-store and online, plus free two-day shipping on Target.com orders.

Ultimately, it is worth noting that both cards come with a $0 annual fee.

Yes, the Target RedCard is a credit card. The Target REDcard credit card can only be used for purchases at Target retail locations and on Target.com. In addition to the Target Credit Card, Target offers a RedCard debit card that is linked to a customer's personal checking account.

The debit card has some of the same features as the Target Credit Card, such as 5% discount in savings on nearly all in-store and online purchases and a $0 annual fee, among others. When you use the RedCard debit card, the amount of each Target-related purchase will be withdrawn directly from your linked checking account.... read full answer

Some Target Credit Card customers may also receive an offer to upgrade to a Target Mastercard, which you can use anywhere Mastercard credit cards are accepted. You can only get the Target Mastercard through an upgrade, though, as the card is not available to new applicants.

The credit score that you need for the Target Credit Card is 640, at a minimum. That means at least fair credit is required for approval. Note that the Target Credit Card can only be used to make Target purchases, in-store and online.

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 your odds of approval are generally higher if you have a credit score above the 640 mark.... read full answer

Here are the Target Credit Card requirements for approval:

• Minimum credit score: 640+ (at least 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 Social Security Number
• Bank account requirement: Must have a checking account at a bank in the U.S.

You can apply for the Target Credit Card online or in person at a local Target store. You may be approved instantly if your doesn’t require application additional review. Otherwise, it can take 7-10 business days to receive a decision.

If approved, you will also be able to make purchases right away. You will receive a temporary credit card to use until your actual card arrives.

Here’s what you should know about the Target Credit Card:

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. The card also offers a $0 annual fee.