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Target Credit Card
Info about the Target Credit Card has been collected by WalletHub to help consumers better compare cards.
The financial institution did not provide the details.
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REWARDS |
APRs |
REVIEWS |
Q&A
|
CUSTOMER SERVICE INFO
Existing Cardholders
- Issuer's Customer Service: 888.755.5856
-
Issuer's Online Account Management
REWARDS |
APRs |
REVIEWS
Q&A | CUSTOMER SERVICE INFO
Q&A | CUSTOMER SERVICE INFO
Existing Cardholders
- Issuer's Customer Service: 888.755.5856
-
Issuer's Online Account Management
Editor’s Take
John Kiernan, Credit Card Editor
July 22, 2021
Review: Target Credit Card
The Target REDcard is a must-have for Target regulars and one of the best store credit cards on the market. Its generous rewards will save you a bundle on every Target purchase. There are no fees to worry about. And it’s available to everyone but folks with bad credit or very little credit experience.
Target Credit Card Review Highlights:
Target Credit Card Review Highlights:
- Save 5% on most Target purchases. The Target Store Credit Card, also known as the REDcard, gives cardholders an indefinite 5% off sale on pretty much everything except pharmacy purchases, gift cards, wireless protection plans and a few other items. That’s a great deal, with the potential to save you hundreds of dollars per year, if Target is one of your favorite stores.
- Don’t worry about yearly fees. The Target REDcard doesn’t charge an annual fee, which always makes it easier to justify opening a credit card just for purchases at a single store. This also saves you $21 compared to the average credit card, according to WalletHub’s latest Credit Card Landscape Report.
- Enjoy 30 extra days for returns. Simply having a Target Credit Card gives you 30 extra days to return purchases for a refund, on top of each item’s standard return window. That extra time could be a life-saver for someone with a busy schedule.
- Get free shipping from Target.com. The Target REDcard makes it easier to shop online, thanks to the free standard shipping it gives you on all Target.com orders. So as long as you don’t need something at the last minute, you won’t have to pay extra for doing your shopping from home with a Target Card.
- Qualify with even “fair” credit. You only need “fair” credit to qualify for the Target RED Credit Card, which means it’s possible to get approved with a credit score of just 620. You can see if you’re in the ballpark by checking your credit score for free on WalletHub.
This Target Credit Card review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
July 22, 2021
Target Credit Card's Rewards
- Limited time offer: $40 discount on a future qualifying purchase over $40 made with your new card.
- Save 5% at Target & Target.com each day.
- Save 5% when you use your REDcard at any in-store Starbucks location, Target Subscriptions, Specialty gift cards, Top deals, Clearance, Shipt and Drive Up service.
- Free 2-day shipping on hundreds of thousands of items at Target.com. Some market exclusions apply.
- Extended returns for 30 extra days at Target or Target.com.
- Exclusive extras, including special items and offers.
Target Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| Not Offered | Balance Transfers Not Allowed | 22.9% (V) |
|
Purchase Intro APR
|
Not Offered |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
22.9% (V) |
| ANNUAL FEE
|
$0 |
|---|
Target Credit Card's Additional Info
| MAX LATE FEE
|
$40 |
|---|---|
| MAX OVERLIMIT FEE
|
None |
| MAX PENALTY APR
|
None |
| GRACE PERIOD
|
25 days |
| ONLINE RESPONSE
|
No |
| CASH ADVANCE APR
|
N/A |
| CASH ADVANCE FEE
|
N/A |
| FOREIGN TRANSACTION FEE
|
N/A |
| SMART CHIP
|
Yes, chip-and-PIN |
- Access your Target Credit Card - check your credit card account balance, make a payment, and review past statements.
- Last updated on 7/22/2021
at TD Bank's
secure site
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about Target Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
How do I make a payment on my Target RED Card? Reply 20votesvotes
Maria Adams
@m_adams
The most straightforward way to make a payment on your Target Credit Card is either online or by phone at (800) 659-2396. Alternatively, you can make a payment in a Target store, or by mail.
Here’s how you can pay your Target Credit Card:
- Online. Log in to your Target account on the website and click “Pay Now.”
- Over the phone. Call (800) 659-2396 and follow the prompts to make a payment, or ask to speak with a Target guest services representative.
- In a Target store. You can pay your credit card in person at any Target store, too. Visit the Guest Service Counter, and have your billing statement or Target Credit Card ready, so the attendant can look up your account number.
-
By mail. If you prefer to pay your Target Credit Card by mail, send a check and your payment coupon to:
Target Card Services
P.O. Box 660170
Dallas, TX 75266-0170
20
Upvotes
How do I apply for the Target Credit Card? Reply 14votesvotes
WalletHub
@WalletHub
You can apply for the Target Credit Card online or in any 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.
You can locate a Target in your proximity here. 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.
14
Upvotes
Where can I check my Target Credit Card balance? Reply 71votes39votes
WalletHub
@WalletHub
The easiest way to check your Target Credit Card balance is to enroll in online banking.
This way you can also add cardholders, set card alerts, enroll in paperless credit card statements, and make or schedule your Target Credit Card payments.
Alternatively, you can also call Target's customer service at (888) 755-5856. Hope this helps.
71
Upvotes
How can I check my Target Credit Card application status? Reply 12votes1votes
Maria Adams
@m_adams
You can check your Target Credit Card application status by calling (800) 424-6888.
It may take up to 10 days to get a decision on your application. Once approved, you'll get your card, agreement and any welcome materials in the mail within 7 to 10 business days.
12
Upvotes
How can I get a Target Red Card credit limit increase? Reply 57votes36votes
WalletHub
@WalletHub
Your best bet to get a Target credit card credit limit increase would be to call customer service at 888.755.5856 and ask if you are eligible for a credit line increase.
You can get some really useful tips about making your case here.
57
Upvotes
How do I cancel my Target Red Card? Reply 5votesvotes
Bogdan Roberts
@bogdan_roberts
To cancel your Target Credit Card just call (800) 659-2396.
Enter your account information and navigate through the menu until you are directed to a customer service representative. They'll then be able to cancel your Target Credit Card. There is no way to cancel your account online.
Also, keep in mind that cancelling a credit card may hurt your credit score, so take a look at how to navigate the process with as little damage as possible to your score.
5
Upvotes
What's the Target Credit Card APR? Reply 2votesvotes
Evelyn Boros
@evelyn_boros
The Target Credit Card interest rate is 22.9% (V). It applies to balance you carry from one month to another, as there is no 0% APR for this card right now.
It's a hefty interest rate when you compare it to other cards available on the market. So, if you have at least good credit, you can find far better deals for everyday shopping out there.
2
Upvotes
How can I activate my Target REDcard? Reply 5votesvotes
WalletHub
@WalletHub
You can activate your Target Credit Card online or over the phone, by calling (800) 424-6888.
You will need to enter your card number, your first and last name, the last four digits of your SSN, your ZIP code and the three-digit security code from the back of your card.
5
Upvotes
How can I get pre-approved for the Target Credit Card? Reply 3votesvotes
Bogdan Roberts
@bogdan_roberts
You cannot get pre-approved for the Target Credit Card.
It's not hard to get approved for this store card, since it requires fair credit or better. But make sure you qualify for it. An application will result in a hard pull on your credit report, lowering your credit score for a short period of time. If you don’t know where you stand, you can check your score for free, right here on WalletHub.
You can also take a look at a list of the major issuers that offer pre-approval for their credit cards.
3
Upvotes
Can you buy gift cards with a Target Red Card? Reply 3votes1votes
Bogdan Roberts
@bogdan_roberts
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.
3
Upvotes
Target Credit Card Video Review
Target Credit Card Reviews
Share your insights and review the Target Credit Card.
Aug 02, 2021
Great store. Low prices. Great service. Love the online app and being able to place and order and have it brought directly to my car without having to deal with the lines.
Comment
Aug 02, 2021
I LOVE TARGET !! JUST PAY YOUR BILL ON TIME ! I STARTED OFF 300 AND NOW MY CREDIT IS 1100 THE MORE RESPONSIBLE YOU ARE THE BETTER! I GET ALL MY PRODUCTS DELIVERED FROM TARGET ON TIME ..DOWNLOAD THE APP THAT'S A BETTER VIEW TO SEE EVERYTHING YOU NEED TO SEE...😃
Jul 25, 2021
Verified Customer
5% discount rather than cash back, automatic review of Acct and limit was raised twice in 2 yrs. App is less than user friendly but gets the job done
Jul 20, 2021
Verified Customer
Doesn't offer cashback or reward points. Use it primarily for back up for large purchases. Customer service leaves a lot to be desired.
Jul 14, 2021
Verified Customer
THE INTEREST RATE ON THIS CARD IS INSANE, 29.9%! HENCE WHY I CAN'T GET THIS PAID OFF - INCLUDING THIS COVID NIGHTMARE AND BEING LAID OFF.
Jul 12, 2021
Verified Customer
$240 Interest charged on a piece of junk worthless $60 phone that never even worked... This should not even show on my credit report.
Jul 06, 2021
This card is a fricken joke. The 5% sounds enticing, but the way they set up their system is not transparent. You can't even see the items purchased using the card in your monthly statement to make sure you're being billed correctly.
Then if you ever want to cancel your card GOOD LUCK. I had a credit on mine and instead of sending the $ back to my bank account on file, they sent it to someone else's then deleted my account when I asked them to fix the problem.… show more
Then if you ever want to cancel your card GOOD LUCK. I had a credit on mine and instead of sending the $ back to my bank account on file, they sent it to someone else's then deleted my account when I asked them to fix the problem.… show more
Jul 06, 2021
Verified Customer
I love my Target card. The 5% discount really adds up and I love doing a lot of online shopping which most of the items are shipped out immediately to your home. I receive the weekly adds directly on my email. Very convenient
Jul 05, 2021
Verified Customer
Overall great card with good spending habits they will always increase your spending balance...
Jul 03, 2021
Verified Customer
This card was given without security deposit and since target stores is a one stop shopping place, I use it often to get the5%off. However if you don't pay it off at the end of the month it seems never ending in paying this card off
Jun 28, 2021
Verified Customer
I appreciate the 5% savings when I use my red card. But the interest rate is too high. Target needs to decrease its interest rate.
Jun 27, 2021
Verified Customer
We love shopping at Target. Great prices. Friendly service. No issues on returned items if we are not satisfied or if something don’t fit. Thank you Target.
07/01/21
The interest rate only matters when you do not pay the balance in full every month that you use the card. This is true of all credit cards. Stay within your income limits.
Jun 24, 2021
Verified Customer
This card helped me through bad times. But even after I paid off on-time most of the time early they lowered my credit limit by $700. No one could tell me why.
Jun 17, 2021
APR is way too high, they report every single late payment with a quickness, late fees are ridiculous, and customer service sucks. I can't think of ONE pro... only cons, especially when you can get the 5% off perk with the debit card. DO NOT GET THIS CARD.
Jun 17, 2021
Verified Customer
Easy to claim rewards and discounts on the red circle. Automatic credit limit increases without calling or asking easy order for pick up or drive up
Jun 16, 2021
Verified Customer
Too much volatility with this card, and a mediocre rate. They change my credit limit too often (in both directions), which indicates to me they place more importance on my credit score than my history with them.
Jun 09, 2021
Verified Customer
I have had this for years. all my other cards have increased my limit. target leaves this at $300 and I have never paid late. it's not worth fooling with.
Jun 06, 2021
Verified Customer
Rewards don't outweigh the cost to carry the card. Plus, we made an instore payment (that didn't post correctly) and were dinged for a late payment.
Jun 02, 2021
Verified Customer
Their reporting sucks. If you go on their payment plan they continue to count you as late until the full arrearage balance is paid off. They will damage your credit
Jun 02, 2021
Verified Customer
TD Bank is very slow on reporting payments. Slow to correct errors in payment reporting and beyond disappointing in providing credit line increases.
Jun 01, 2021
Verified Customer
Love this card always pay on time use this card periodically on household goods. Love when they have their sales.i will eventually pay off.
May 28, 2021
Verified Customer
Someone charged to my account and can’t get any help from target my balance should only be $175 This is effectively my score I totally disagree with the charges and the balance
May 18, 2021
Verified Customer
Decent if a Target Customer and spend a lot of your purchases with groceries and electronics. Try to make sure you use the card at Starbucks within the store as well to earn 5%.
May 18, 2021
Verified Customer
This card is not worth getting. Had a $1700 credit line, and as soon as the pandemic hit, they decreased my limit to $1200, with no missed payments. This quickly hit my credit score as my usage went up. They just decreased my limit for the last time, as once again my credit score has been affected. NOT WORTH IT! TAKE your 5% and shove it..
May 15, 2021
Verified Customer
Closed on 4/29 per letter from Target, will be seen on statement of 5/26. We returned items, which were to be credited for by receiving gift certificates to our account. This was not done and had this $17.30 in suspense until disputed items were resolved.
Closing this account because I only buy one item at Target & should I decide to buy something else then decide to take it back the 5% Reward on the Card isn't worth the hassle... it has happened to us before with Target.… show more
Closing this account because I only buy one item at Target & should I decide to buy something else then decide to take it back the 5% Reward on the Card isn't worth the hassle... it has happened to us before with Target.… show more
May 13, 2021
Verified Customer
I rarely use this card that refuses to give me an increase. I spend more than 300.00 limit when shopping and it is not worth using two cards
May 12, 2021
Verified Customer
Card reports to the credit bureaus timely, however, in spite of my impeccable pay history, I haven’t received a credit line increase in years. Also, its reward savings for using the card is very low.
May 12, 2021
Verified Customer
The Target credit card is a good credit card to use because basically you save 5% off each and every purchase when you use your card at Target.
May 07, 2021
Verified Customer
No enough help personnel to “help” or check; esp. on holidays. Don’t be even one day late on payment; hefty late fee. At times I’ve had to ask 2-3 Target people to locate an item
May 05, 2021
Verified Customer
Great card! Don’t use often because of location, but plan to use more often when the COVID-19 pandemic winds down. But as far as the target card it saves you a lot.
May 01, 2021
Verified Customer
I love it it was a little hard to get at first but now that I did I use it whenever I go over to target they give you 5% on your purchase
Apr 28, 2021
Verified Customer
I can't express how disappointed I am with this card and their Customer Service. I have been a cardholder for 10 plus years. Today my credit limit was randomly lowered to $300.00. I have no late payments a very high credit score and low credit balances. When I called they have zero info and just say they can't do anything. This is such a bad policy and I can't believe this bank treats long-standing good customers. I will never do anything with this bank again. Frankly, I will not shop at Target anymore either so long as this POS bank runs their red card. DO NOT SIGN UP FOR THIS CARD THEY ARE A TERRIBLE BANK WITH HORRIBLE PRACTICES AND CUSTOMER SERVICE.… show more
Apr 27, 2021
Verified Customer
I have not used this card for a year, pandemic had us stay in, this is why it affected my credit score, NOT FAIR !!!! So I will shop somewhere else.
Apr 23, 2021
Verified Customer
Great Products. I enjoy shopping at Target. I received 5% back on most purchases. It's a great place to shop. I love their products and some prices are low.
Apr 17, 2021
Verified Customer
Amazing for purchases at Target, 5% off is beating anything else cash-back wise and is totally worth it if you shop at Target often. The MasterCard version of the card is great...but only if you only use it at Target. They send you the Target gift card *once per year* so that’s a long wait for 1-2% back.
Apr 15, 2021
Verified Customer
It is a basic credit card that only allows the cardholder to shop at Target. It provides 5% off of most purchases which is nice, but does not have any value outside of the Target Store.
Apr 15, 2021
Verified Customer
Great card get lots of coupons specials and red card cash easy to use in store and online order online and pick up in a couple hours
Apr 14, 2021
Verified Customer
My target card has been a great card for buying discounted Disney gift cards and saving my family money on all things Target! I always pay in full to help my credit score
Apr 09, 2021
Verified Customer
Card is perfectly fine! 5% discount on all orders and free shipping on all items that can ship on their own is great too! No issues as of 2 months!
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
Last updated on: Jul 22nd, 2021 at 09:33 ET
Related Credit Cards
If you are interested in the Target Credit Card, check out the following credit cards as well:
Related Credit Card Categories
Target Credit Card is related to the following categories:
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Jul 22nd, 2021 at 09:33 ET