Mar 16, 2015
dana.gibson.988
The Target Credit Card is Awesome!! You earn all kinds of discounts just for using the card! Even though the interest rate is kind of high, if you pay it off in time you can avoid a lot of that. They don't have a cash advance option, but maybe that is just as well, keeps me out of trouble. It's a great card for someone just starting out trying to build their credit history.
Mar 10, 2015
iangoodwin88
This is a great card for a couple of different reasons. If you are just starting out and would like to apply for a credit card, you are almost certain to be approved for this card. Additionally, if you do a lot of shopping at Target (primary store), then the 5% off bonus is also pretty nice. The downside is there is no cashback rewards (offsets with the 5% off) and the APR is quite
high. If you decide to proceed with this credit card, make sure you promptly pay your bills!… show more
Mar 09, 2015
mark.fernando.phillyeagles
This is a good card to have. I save 5% on everything on the store. I dont know what my credit score was but I just applied and got it. Trying to build my credit to a excellent score :)
Feb 26, 2015
nicole_williams_07_18_09
I love using my Target card to make purchases. The interest is high, however it is comparable to other store cards. But what this store card offers that others don't - it gives a 5% discount when you use the card, it gives you rewards, as well as free shipping when you order online. These are greater benefits than any other store card I have had! The only reason I did not give 5 starts
was because it was a hassle when their computers were hacked and I have some concerns about how secure they store their information. Overall, it is a great card with excellent benefits!… show more
Feb 20, 2015
alexahaygood
I really enjoy using my Target credit card. One of my favorite things about this card is the fact that i receive free shipping on my online orders. There is not a certain amount that I have to spend to receive this feature. I also love getting 5% off of all of my purchases. I combine this with special offers and coupons and it ends up saving me a good amount of money. The customer
service staff is always nice and helpful as well.… show more
Feb 20, 2015
sarah_bolton_5201
This is by far my favorite store card. They have free shipping for all online orders, regardless of the price, no annual fee and 5% off of everything! The 5% combines with other deals and coupons so it if you're ever going to shop at Target it just makes sense to have their credit card! I shop with them much more often now because of the benefits from my card!
Feb 19, 2015
shelley_leppert
The Target card is one of the very few store credit cards that I own. The reason is simple; it saves me money in the form of a) 5% off on each and every purchase, either online or in store and b) free shipping on every order, no matter how large or small. Typically my orders are small and would not qualify for free shipping so now that I have the card I can pick
up whatever I want and have it shipped for free. I pay the balance in full every month and cannot speak to the interest rate; my recommendation is pay your bills in full every month, or don't use your credit cards. But you do pay your bills every month and/or the amount is negligible, definitely get this card; it's worth it.… show more
Feb 12, 2015
tony.lau2
If you are a frequent Target shopper, the Target Credit Card is excellent for maximizing your money. At 5% cash back on all Target purchases it far outpaces the other cards on the market without an annual fee. Cards like the Citi Double Cash (2% back) and Capital One Quicksilver (1.5%) are near the top in terms of rewards, yet don't come close to 5%. However, I would highly recommend this not being your primary
card, because it offers no rewards whatsoever on any purchases outside of Target. The added bonuses of increasing the return date by 30 days as well as free shipping at Target.com also sweeten the rewards provided by this card.
People must also be aware that it will not work oversees.
Bottom Line:
It is a great card for the avid Target shopper, but if you rarely shop at Target there are other cards out there that offer better overall shopping rewards.… show more
Feb 09, 2015
johanna.hauer
Obtaining my Target card was very easy, and I really enjoy the discount that using the card provides. However, getting additional cards for my family members to use (on the same account) was a tremendous hassle. They also won't let you change the billing address at the same time as you make other changes to the account - it just voids the card. They don't tell you that and it is a huge inconvenience. But
I am happy to use the card because of the savings I achieve with it. Now if Walmart also had a discount card and use of that card avoided these issues, I might switch. But they don't, so I will stay a Target shopper.… show more
Feb 05, 2015
michele.brient
There are a few things that turn me off about this card, but I want to point out the most obvious:
Lacks Smart Chip Technology - Considering Target had a massive security breach that was all over the news last year, I am shocked this card has no smart chip. This alone is an absolute deal breaker. The crazy thing is, they didn't even bother to post a notice on their website nor temporarily disable purchases
until the breach was resolved. I had to find out seeing it in the news. Bad for business. So no way I'll be applying for this card. No smart chip, no business from me. Period.… show more
Jan 22, 2015
webslicer
I like the Target Store Card. It's better than the Sears one I have. I like that I can get bonus points. And that I can get an extra 30 days for returns. And if I use it with my Target Pharmacy card, I get even more bonus back. Also because I do so much shopping from home, this card is great because it lets me get free shipping from the target.com . That alone
is enough of a reason for me to use the card. I am definitely going to apply for one soon. Might even cut up my Sears store card.… show more
Jan 06, 2015
jaclyn_delcid
I like this card but do not think I would apply for it. It is not likeany of the other credit card that allow you to receive cashback rewards. Also, the interest rate is really high compared to other major credit cards.
Dec 26, 2014
gabriel.reategui
What I like about this card is that I get bonus points.
Dec 26, 2014
pepper.oak
I love my Target credit card. First of all, Target is an amazing store where you can find quality items at great prices. When you team that up, with their awesome store credit card, it's a win win! The card extends your return period on purchases an additional 30 days and comes with a fair APR.
Dec 08, 2014
Diana52082
The best store credit card is the Target Red Card because it earns money for the schools around my house. My local Target posts a little sign at each register that tells you how much has been donated to the school from you using your target card at the store to make purchases. It feels like you're helping others by using your card. I also like that you always get a five percent discount for
using the card to make your purchases. It really helps when you add the five percent, target coupons, manufacturer coupons and also the Target Cartwheel app on your phone.… show more
Dec 04, 2014
dawn.strauss
This card comes with some nifty rewards and is easy to pay online.
Dec 04, 2014
Nancy
With this card you get 5 percent off your purchase and that includes groceries.
Nov 13, 2014
joshua_watson_92102
The target Store Credit card Has some good rewards; You Save 5% on every purchase in the store or online, Free shipping from online, and a extra 30 day for return. What I don't like about the card is the High APR and High late fee of $35. Overall the card is worth getting, just make sure you pay it off at the end of the month.
Nov 06, 2014
AmateurCritic2
Great customer service, great value, great store, great terms, I recommend it!
Nov 03, 2014
molliemont73
This card is great because it gives you 5% off all of your purchases at Target stores and Target on-line. This is a great feature and easy to use. The interest rate for this card is high, but since I pay my full balance every month, this is not a big issue for me. The Target Card credit card website is well organized and easy to use. The bill pay feature works well. I used
to have an issue with them having different payment due dates each month, but that is no longer the case. I have never had an error on my account, or any other issue with them. I have had my card for years without any problems.… show more
Oct 29, 2014
aafrisch11
The Red Card is a must have if you shop at Target. Not only do you get 5% cash at the register Target also gives 1% of your purchase as a donation to the school of your choice. Paying your monthly balances is very easy. You can have the statement balances automatically come out of you checking account each month. This means you won't have to remember to pay your bill! Target's customer service is
also top notch. I've only had one issue in the 3 years I've owned the card and they took care of it right away. Target also has a lot of coupons you can use with the card with (cartwheel) to get even more savings.… show more
Oct 17, 2014
famous37
I believe if you are going to use a store credit card then it should have perks that go along with it. The Target Store card fits this requirement for me. This cart offers 5% off every purchase and free shipping when using it for online purchases.What is really smart is to pair up these incentives with CartWheel discounts and coupons. Then the savings goes through the roof. So if you are diligent and self-disciplined
it is really worth your while to use this card for all Target purchases. The thing you need to remember and why I mentioned being self-disciplined is that you need to pay it off each month to avoid the high interest rates. Most, if not all store credit cards have the high interest rates like Kohls or Sears. The difference is that they do not offer these amazing incentives to use their card. We really got ourselves in a pinch using our Sears card for making large purchases. There were no incentives and we paid very high interest rates. In a financial point of view it just makes sense to use the Target Store card and pay it off every month. Another point to make is that you can find almost anything at Target. Groceries, household goods, toys, clothing etc. With their prices being reasonable to begin with I really don't think you can go wrong unless you don't pay it off in a monthly manner. If you don't then the discounts really cancel each other out with the 22.9% interest rate.… show more
Oct 10, 2014
BrSmith
This card really fits well for me, because I do most of my grocery/electronic shopping at Target already. So the extra thirty days to return and added discount to its already low prices are a great deal. It is one of the best experiences I've had with a store card, seems like it usually just means you get added to their spam list.
Oct 09, 2014
pocketasianxo
I love all the savings that this card provides to me as an avid Target shopper. I get me extra 5% off every purchase. SO paired with my cartwheel app and other coupons I am able to save huge while still getting exactly what I want! Plus on my lazy days when I don't feel like dealing with people out in the real world I can shop online without having to pay for shipping!
Oct 09, 2014
Steph1223
I have my target credit card and can not say anything bad about it. It is a great way to save especially if you shop at target a lot. You automatically get 5% off your entire purchase every time you use it. When you pair that with other coupons and cartwheel, you are looking at big savings. The other major perk to me is that fact that you get free shipping on any purchase from
target.com. I like to be able to purchase right from home and shipping usually kills the deal so it's a great perk.… show more
Sep 24, 2014
melissa.pfeffer.1
This card is a must have if you shop at target. If you are someone who uses there credit card when shopping at target., then you should be using the target credit card instead. One of the best things about the credit card is that every time you shop using it you automatically save 5% on your bill in store and online. When using you card to buy things you get a extra 30 days
additional time for returns, and you get free shipping when ordering online. I also like the fact that they frequently send me coupons in the mail for money off specific products, and money off my bill just because I have the card.… show more
Sep 15, 2014
clombard1973
This is pretty great if you are a Target customer like myself. Why use a Visa or MasterCard shopping at Target when the Target card offers 5% off purchases both in store and online. It has a 25 day grace period and a reasonable APR. 30 days additional time for returns and can be combined with the Target Pharmacy Rewards certificate for some pretty good deals. Free shipping is included with online purchases which if
you have paid for shipping multiple items before you know can be kind of costly. Overall if you like Target like me I think this card is a great value.… show more
Sep 09, 2014
michaeljg1122
I love my Target Red Card. The 5% savings is great since I shop at Target frequently. It is also nice to see my year-to-date savings amount on the bottom of every receipt.
Sep 09, 2014
watchmesink
The Target card is absolutely great. We use it every single trip to Target. The 5% is so great (basically takes care of taxes) and then you get the 5% on top of any cartwheel coupons or regular coupons. The free shipping on the website is so great too! You also get an extended return policy!
Sep 05, 2014
kaitess
I really like this card -- unlike most other store cards this one gives you the rewards upfront in the form of 5% off -- no waiting for rewards to accumulate, it saves you money right then and there!
Sep 03, 2014
krzperfo
The Target store card is excellent for normal everyday usage, because it automatically provides you 5% off of everything in the store. Not many other companies are offering this automatic discount so why not take advantage of it.
Because of this discount, we tend to stop here more often than other stores like Wal-Mart, who don't offer a store card with a discount.
Target provides an excellent incentive for us to shop, and I couldn't be
happier with their practices. I encourage my friends and family to check it out as well. You really can't beat it.… show more
Aug 11, 2014
ns318
The Target store card is the best store card I have among two other cards (Sears and Kohl's). The 5% cash back is the best feature I find. Another important feature is the free shipping given for RED card members. I was little concerned about the identity theft issues during Nov2013. But other than that, the RED card makes life much easier with the benefits it provides. Also RED card members also enjoy additional warranty
period for electronics.… show more
Jul 31, 2014
damien_kirrmann
A great card if you are shopping at target regularly. However, I found myself using this store card very, very little, as I am not really a frequent Target shopper. Where this card shines is online, where it still allows for a 5% discount on top of free shipping. But again, I don't happen to use it very often, mostly because I usually can find better prices elsewhere online, even including the 5%. Bottom line:
if you shop at Target, get it. If you don't, it isn't a good enough reason to switch to Target in my opinion.… show more
Jul 29, 2014
apodgo
I really enjoy this card. I am a frequent Target shopper, and I love that I get an extra 5% off my purchases. I am more of an in store shopper, but I do like that if I order online I can still get my 5% off in addition to free shipping. There have been a few times that I forgot to make a payment on time, and someone has called and asked me to
make a payment over the phone to avoid the late fee, which is a blessing! Overall, I recommend this card if you are an avid shopper because the 5% off adds up!… show more
Jul 29, 2014
tonys_5
Every time I shop at Target I make sure to use my REDcard, saving me 5% off everything I purchase in store and online at Target.com. I love that there is no annual fee and a grace period of 25 days, pretty good for a credit card. Luckily for me, Target is the closet store to my home anyways so this discount will add up pretty well over time. The free shipping at Target.com offered
when purchasing with this card is also a nice added benefit.… show more
Jul 29, 2014
rose.katerina
I shop Target quite frequently, for various different things. I go to a Super Target near my house, and I often save quite a bit of money on grocery, so their store card is very valuable to me. It saves me a whopping 5% every time I make a purchase, which really adds up - -and fast! They're also very generous. About 1% goes to my old high school for funding; that place really needed
it. The extra month for returns has also gotten me out of hot water on numerous occasions. I'm very forgetful with receipts, and the store card automates everything in their system. As an added bonus, I now get a ton of Target coupons because of the card. Once you're a "member," they really take care of you. My only gripe is the higher than normal APR, but the benefits outweigh the costs.… show more
Jul 28, 2014
jackie.lage.3
If you shop at Target a lot, then I suppose the Target Store Red Card would be a good option for you. However, the fact that there is no introductory rate APR and the regular APR is so high is kind of a slap in the face to their customers. I only shop at Target for a few select items, so I see no reason to ever get the Target RED Card. It is nice
that they give consumers an additional 30 days to return, but I think this is just a reflection on how poor their return policy is in the first place. They would need to improve this card quite a bit for me to consider giving it a spot in my wallet.… show more
Jul 07, 2014
samm_6
I have shopped at Target for Years and have found their shopping experience a bit more pleasant than other stores. It wasn't until a year ago that I got my Target REDCARD. It offers 5% saving and Target also donates 1% or so to the school of your choice. The Target App makes it really easy to pay your bill and they do send reminders to pay your bill on time which I appreciate after
almost destroying my credit history with standard Visa, Amex, etc. cards in the past. I have yet to return an item to their store but I'm sure not having to hold on to a receipt forever and the extra 30 days will come in handy someday. The 5% savings shows up on the bottom of the receipt too so it's pretty cool seeing how much you saved.… show more
Jul 04, 2014
kimberlea_rodriguez
Target is a great credit card with many wonderful advantages and rewards. Somethings many other cards do not offer is the extended return time as well as being able to stack your savings. No other credit card allows you to do that. These savings add up especially when you compare to Walmart or Kmart. The way to go is Target.
Jul 01, 2014
keith.cich.3
We have had a great experience with our Target REDcard. The main reason we signed up for this card is the 5% off on every Target purchase. Target is the main store we shop at so we save a ton of money every year. The interest rate is fairly high as with most store credit cards, but we just pay the balance off every month and have had no issues. I would recommend this card
to anyone who is a regular Target customer.… show more