Can I get cash back with my Target Credit Card?

The Target Credit Card requires a credit score of 640 or over, meaning you will need a fair credit score or better 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.

You can apply for the Target Credit Card either online or in a Target store, at the customer service counter. You will need to have identification on you; Social Security Number, driver’s license, state ID or military ID.

Keep in mind that you need at least fair credit to get this card. If you don’t know where you stand, you can … read full answercheck your credit score for free on WalletHub. The issuer will also take into account your overall credit history, income and debts.

If you qualify, you may be instantly approved. Otherwise, if further verification is needed, you should receive a decision in the mail within 7-10 business days. If you’re approved, your card will be mailed in another 7-10 business days.