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Target Credit Card
By:
TD Bank
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.
Editor’s Take
John Kiernan, Credit Card Editor
Aug 7, 2020
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 $20 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 30 you 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.
Aug 7, 2020
Target Credit Card's Rewards
- Get $50 off a future qualifying purchase over $100 when approved for a Target Credit Card. Valid 8/2–8/15.
- 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, offers & 10% off coupon on your REDcard anniversary.
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.
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.
Can I get cash back with my Target Credit Card? Reply 3
WalletHub
@WalletHub
You cannot obtain cash back with a Target RED credit card. If you have been upgraded to a Target MasterCard, you may obtain cash advances at an ATM or in person at a bank.
To use your card at an ATM, you’ll need a PIN, which you can set up and manage on Target’s website by logging in on the REDcard page, then clicking on the “Easy Activation and Card Management” tab.
Please keep in mind that cash advances go hand in hand with large fees and a high interest rate, and we therefore advise against making these types of transactions.
3
Upvotes
When will my Target Credit Card payment post? Reply 2
Marlin Darden
@wonder_of_the_w
As long as you make your Target Credit Card payment before 5 p.m. Central Standard Time, it will post the same day.
2
Upvotes
How long does it take to get approved for a Target Credit Card? Reply 2
Leon Denerus
@Leo.DC
The Target credit card does not guarantee instant approval, unfortunately.
A decision on a pending application can take up to 7-10 business days, which isn't great, but it's important to know that pending applications are rare and those happen when they need to verify your information further.
2
Upvotes
How can I pre-qualify for the Target Credit Card? Reply 2
JAMIE THOMPSON
@ExTaxMan
There is no way to prequalify for the Target credit card.
Applying will result in a hard inquiry on your credit report, but the score effects will be minimal. My advice is to apply only if your credit score is at least 640, which is fair credit.
To make sure you're in the safe zone, simply check your credit score.
2
Upvotes
How much is my Target Credit Card minimum payment? Reply 2
Shadow Banker
@shadowbanker4
Your Target credit card minimum required payment should be listed on your monthly statement. Generally, the minimum payment on the RED card is the greater of $25 or 1% of your balance, plus interest and fees. If your balance is less than $25, your minimum payment will be equal to your balance. Hope that helps!
2
Upvotes
What's the Target Credit Card APR? Reply 1
FRANKIE SOLOMON
@solosolosolo
The Target credit card interest rate is 25.15% (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.
1
Upvote
Target Credit Card Video Review
Target Credit Card Reviews
Share your insights and review the Target Credit Card.
Feb 12, 2015
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
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
Comment
Feb 09, 2015
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
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
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
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
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
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
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
07/19/14
Hmm... Your identity would not have been stolen this way. The identity and information leak was actually by a security company that controlled the credit card scanners in all Target stores, as well as any other store that used the scanner and company. This was in 2013 though. You are actually better off with using the Target card on a scanner since the information is not available to the scanner...
Nov 13, 2014
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 03, 2014
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
07/02/15
Having this card is a night mare . They put a R2 on my credit for a 25 dollars payment , They don't care how long you have Been a costumer I have been with them since 2007. The reason I forgot to make a payment cause I thought my credit card was paid off also I never received a bill or phone call from them by the time . I found out was to late I was in the middle of refinancing my house when the bank told me sorry you credit is been damage by Target . It sucks that we take so long to have a great credit score and they don't care they don't take anything in consideration , they told me the only way I could removed the R2 is if we find out that we made a mistake . They did a mistake they had all my wrong inf no add and wrong phone number , at the end I was not able to refinance my house . Thanks to TARGET… show more
Oct 29, 2014
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
Jul 01, 2014
You have no idea how much I love this card! I am going to shop at Target anyway, so why not get cash back! I have my red card linked to my Pharmacy rewards and ever three prescriptions I get an additional 5% off. So that's 10% off of what I was going to do anyway. I love that you can pay the bill in the store. Also, I get more coupons from Target through the mail now that I have a RedCard.… show more
Jun 16, 2014
The Target card is fantastic if you're a frequent Target shopper. 5% off all the time is a great bonus. It's also nice to have all your Target purchases in one place. I think it also gives free shipping from target.com, but I have not used that yet so I'm not positive.
Jun 09, 2014
I love that my target credit card offers 5% off on all purchases! The interest rate is pretty high, but if you pay off your card every month then its worth it.
Jun 09, 2014
The Target credit card is a decent card to own if you shop at Target often, but it doesn't appear to have any added benefits anywhere else. You can save 5% at Target and get an extra 30 days to return items plus free shipping at Target.com. Most other cards don't offer such rewards and if you are an avid target shopper this card is perfect for you. There's no annual fee, which is awesome, and there is a 25 day grace period to pay your balance. If you are wanting a card to use for other stores to get cash back, or other rewards, this may not be the best card.… show more
07/19/14
Don't forget the 5% applies to the pharmacy as well! Also, 1% of your spending goes to a school of your choice!
May 27, 2014
The Target credit card is an excellent card for me. I shop at target on a weekly basis so it just made sense. The 5% off is a great perk as I spend a considerable amount at Target stores. I have previously used other credit cards but they did not have the perks that the Target store card does. Saving money and budgeting are very important to me and this card helps me do both! I also love that you can get an extra 30 days on returns. I am notorious for forgetting to return unwanted items and this extra 30 days comes in very handy!… show more
May 20, 2014
As a young woman beginning to develop credit, Target's credit card has been an excellent card for me. The major benefit being the fact that ordering things online is free. I'm a college student in a small town and my local Target doesn't carry everything I need and it's nice to be able to order things I want online without worrying about the cost.In addition, the 5% off on purchases really helps me conserve the little money I have. Which I appreciate as a student.… show more
May 15, 2014
It's not a bad card honestly. As a skeptical person I usually steer away from these however I gave this one a chance hearing mainly positive things and I like it. It's pretty convenient to have as I am one that doesn't like shipping at all, and the savings aren't bad, you don't think a lot about when you hear 5% until you add it up over time. Only issue here is the insane APR, don't let it get to the due date. Be disciplined or it can get costly.… show more
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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.
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.
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Last updated on: August 7th, 2020 at 06:43
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 issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Aug 7th, 2020 at 06:43 ET