Is Target RedCard a credit card? This question is about the Target Credit Card

Is Target RedCard a credit card?

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This question is about the Target Credit Card

Chip Lupo, Credit Card Writer

@CLoop • 10/22/21 This answer was first published on 10/22/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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 When you use the RedCard debit card, the amount of each Target-related purchase will be withdrawn directly from your linked checking account.

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.

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What bank is Target Credit Card?

Is Target RedCard a debit or credit card?

What's the starting Target Credit Card credit limit?

The starting Target Credit Card credit limit will be based on your overall creditworthiness once your application has been approved. However, there's no surefire way of knowing your credit limit beforehand as the issuer does not disclose this information.

It is worth noting that after 12 months, accounts get reviewed for automatic credit limit increases. These are based on soft pulls on your credit report, so they won’t affect your credit score. Your chances of an increase...

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