Minimum Credit Score Needed 
Fair
Target Credit Card
By:
TD Bank
Info about the Target Credit Card has been collected by WalletHub to help consumers better compare credit cards. The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
Dec 3, 2019
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.
Here’s the full scoop:
Here’s the full scoop:
- 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 $18.81 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.
Dec 3, 2019
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Petal Cash Back Visa® Card
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
14.49% - 25.49% (V)
Annual Fee
$0
Rewards Rate
1 - 1.5% Cash Back
Minimum Credit
Limited History
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Target Credit Card's Rewards
- Get $40 off a future qualifying purchase of $40 or more when approved for a Card. Valid: 12/1 - 12/24.
- 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 and Shipt.
- 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
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
24.65% (V)
-
ANNUAL FEE
$0
Target Credit Card's Additional Info
-
MAX LATE FEE
$39
-
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.
What's the starting Target Credit Card credit limit? Reply 1
Tommy S Davidson
@tdvdson94
Your Target credit card limit will be determined based on your creditworthiness, including credit scores and income. But don't expect a very high limit on this one.
As with most store cards, users report initial credit limits in the vicinity of $1,000, which is pretty modest.
1
Upvote
Can you buy gift cards with a Target Red Card? Reply 1
William Drake
@will_drake
You can use your Target Red Card to buy third-party gift cards from Target or target.com.
However, Target and Visa gift cards cannot be purchased with a Target Red Card. You will need a regular debit card, check or simply cash for those.
1
Upvote
How much is my Target Credit Card minimum payment? Reply 1
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!
1
Upvote
Which credit bureau will Target RED pull from? Reply 1
Karen Mills
@karen_mills
You can't tell in advance what credit bureau is used for the Target Red Card. They’ll never disclose that. It really varies from state to state, so they might pull one, two, or even all 3.
1
Upvote
Does it really take 5 days to activate my card? Reply 11
WalletHub
@WalletHub
No, you should be able to complete the application process and use your card as soon as you do so. You can activate your card online at: https://rcam.target.com/ActivateCard.aspx.
1
Upvote
How much is the Target Red Card daily spending limit? Reply 1
WalletHub
@WalletHub
The Target REDcard has no daily spending limit. However, there is an overall credit limit assigned to your credit card account. That credit limit amount will be determined based on your creditworthiness, and disclosed to you when you receive your card. This means that you can charge up to a certain dollar amount with your credit card, which you will have to pay back to be able to charge again.
show more…
1
Upvote
Can I use my Target Credit Card in-store without the physical card? Reply 12
WalletHub
@WalletHub
You can use your Target Credit Card in-store without the physical card. They will be able to look up your account in-store if you bring along your credit card billing statement.
However, if your card is lost, the most important thing to do is to call customer service immediately at 1-800-424-6888. This way, you can prevent fraudulent charges and ensure you are forgiven any potential debt.
1
Upvote
Target Credit Card Video Review
Target Credit Card Reviews
Share your insights and review the Target Credit Card.
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
Comment
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
May 09, 2014
The card is nice, but the late fees are absolutely ridiculous. If you are even past 5 p.m. in submitting an ONLINE payment ON the due date, you'll still be charged. As if that makes any factual difference. I love the discounts at Target, but before you apply, do know that you can and very well may be charged a late fee ON the due date if you pay after coming home from work. The unnecessary fee cost us more than we've ever saved with this.… show more
May 02, 2014
I have had my target credit card for 8 years now and love it! Its the only one I have kept of all my other store credit cards. I love that with it you get free shipping online AND 5% off your purchase. Mine also has a visa logo so I can use it for whatever but I try to use it mainly for target since I get the most benefits from there.
Apr 29, 2014
I love my Target Red Card! I've had it for three years now and I use it every single time I shop at Target stores or on their website. As a cardholder, you get 5% off of every store or website purchase as well as free shipping on all online orders automatically. You also receive exclusive coupons at the register after checking out. Only downside is you can't use it at any other stores.
Apr 29, 2014
I like the Target Store Card primarily for 2 big reasons. The first is the 5% discount on all Target and Target.com purchases. I go to Target a lot and this helps me save more on my day to day purchases. Secondly, the 30 extra days for returns is such a godsend. Absolutely love this card and would recommend this card to everyone.
Apr 17, 2014
I love that the Target Store Card gives you an extra 30 days for returns. This is much better than another store card I had at a competitor that did not offer these extra return days. One thing that I do not like about the Target Store Card is the max late fee, I do feel this is a little high.
Apr 07, 2014
It still bugs me that I haven't received A new Target card with a Chip in it. You would think that given the negative publicity regarding the Target data breach would light a fire under their rear ends, but I guess PR about security is better than actual security.
07/19/14
It wasn't just a Target data breach, it was a security breach on the card input that would process payment at the registers which were used by customers. If you shopped in any store that used these card readers then your information was likely leaked.
Mar 31, 2014
I have had this card for a year, and i absolutely LOVE it. I am a frequent shopper at Target, so this card just makes sense for me. I love getting my 5% off purchase, especially if the item is cheaper online, and i get my discount AND free shipping! Don't even get me started on if I have coupons! 10/10. I would recommend!
Mar 31, 2014
The Target Store card is a great card and being that I shop at Target all time, it makes sense to get one. They offer free shipping when you use it on Target.com which is just sensational because shipping cost is so high these days. Well worth it.
Mar 25, 2014
The 5% off all purchases is amazing . Combining that with Red Card discount and coupons. I have saved so much. If you shop at target you might as well get this card. You will save money using the target store card it's smart.
Mar 24, 2014
I love my Target card and I use it all the time. It is easy to qualify for the Target card, you can do it right there at the register. The 5% off all purchases adds up quickly. It's also convenient to use- at checkout you don't even have to sign for transactions that are less than $50.
Mar 17, 2014
This Target Store Card is one to have! It gives 5% off all purchases at Target Stores and Target.com when you use it. The card is not hard to qualify for, you don't need perfect credit. The terms are pretty good and all with no annual fee.
Mar 13, 2014
While the 5% bonus might seem minimal at first, it seriously adds up if you frequent Target like I do. Buying some groceries and clothing here seriously pays off and makes Target such a value. Their customer service is great as well. The security issue does worry me a bit since Target had a problem with that recently, but I trust the company to fix everything in case that does happen, and doubt another breach would occur soon.… show more
Mar 12, 2014
So the 5% bonus is a life-saver, 5% off everyday and the prices here are pretty much already the lowest in my city with the best selection.
Obviously there is the worry of security, but Target would not let that happen again and I would have to imagine this is the most secure card out there.
Obviously there is the worry of security, but Target would not let that happen again and I would have to imagine this is the most secure card out there.
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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.
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.
Last updated on: December 3rd, 2019 at 06:59
Related Credit Cards
If you are interested in the Target Credit Card, check out the following credit cards as well:
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: Dec 3rd, 2019 at 06:59 ET