What are the best Target Credit Card benefits?

No, you cannot use the Target Credit Card anywhere. This card can only be used at Target stores, Target.com, and through the Target mobile app. The Target Mastercard, on the other hand, can be used anywhere Mastercard is accepted.

It’s worth noting that 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.

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...

The Target Credit Card does not offer an extended warranty benefit. However, you will benefit from the product’s manufacturer’s warranty and any eligible items purchased with a Target Credit Card have an additional 30 days for returns and exchanges beyond their normal return period. Excluded items include Target Optical purchases, non-returnable items and contract mobile phones.

Target does offer its own protection plans for purchases like portable electronics, TVs, mobile devices and more. But unlike extended warranty benefits that...