WalletHub Rating
3.7/5
The Target Credit Card is a good credit card that’s worth it for anyone with fair credit or better who regularly shops at Target. The Target RedCard, as it’s also known, has a $0 annual fee and offers 5% discount back on all Target purchases, including those made at Starbucks locations within Target stores. 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.
WalletHub Rating Breakdown
User Reviews
3.7/5
1,055 reviewsRead and write reviews
Editor’s Review
5.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.4
Cost
3.3
Other Features
0.0
3.5/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
29.95% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get $50 off a future qualifying purchase over $50 when approved for a credit, debit or reloadable RedCard.
Save 5% when you use your Redcard in-store or online at Target, at any in-store Starbucks location, specialty gift cards, 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 Additional Info
Access your Target Credit Card - check your credit card account balance, make a payment, and review past statements.
show more
Learn More
at TD Bank's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
April 1st, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Target Credit Card Pros & Cons
No membership fees
$50 initial rewards bonus
Qualify with fair credit
High regular APR
Target Credit Card Review
5.0 / 5
The Target Credit Card is a good credit card that’s worth it for anyone with fair credit or better who regularly shops at Target. The Target RedCard, as it’s also known, has a $0 annual fee and offers 5% discount back on all Target purchases, including those made at Starbucks locations within Target stores.
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 $22.29 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 30extra 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 “fair” credit
You only need “fair” credit to qualify for the Target RedCard, 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.
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Target Credit Card Video Review
Compare The Target Credit Card vs. Popular Alternatives
 Target Credit Card |  Capital One Walmart Rewards® Mastercard® |  Capital One Platinum Credit Card |
|---|---|---|
3.7WalletHub Rating WalletHub Rating 3.7 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.7 Market Comparison 3.5 fees: 5.0 rewards: 3.4 cost: 3.3 Other Features: 0.0 | 4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.3 Market Comparison 4.3 fees: 5.0 rewards: 0.0 cost: 5.0 Other Features: 4.5 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.6 Market Comparison 3.4 fees: 5.0 rewards: 0.0 cost: 3.3 Other Features: 4.5 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR29.95% (V) | Regular APR19.48% or 29.99% (Variable) | Regular APR30.74% (V) |
Apply Now | Apply Now |
Target Credit Card FAQ
Can't find what you are 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. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
17
Upvotes
What credit score do you need for the Target Credit Card?
Reply
17
7
Maria Adams, Credit Cards Moderator
@m_adams
You need fair credit or better to get approved for a Target Credit Card. For the best odds of being approved, it's recommended that you only apply for a Target Credit Card if your credit score is 640 or higher and you have enough income to afford monthly bill payments.
When you apply for a Target Credit Card, your credit score is one of the major factors that the card's issuer will consider. But it's not the only factor. Your income, employment status, debts, and housing information matter, too. But your odds of approval are generally higher if you have a credit score above the 640 mark.
Here are the Target Credit Card requirements for approval:
- Minimum credit score:640+ (at least fair credit)
- Age requirement:18 years old
- Income requirement:Enough to afford monthly payments (wages, investments, etc.)
- Citizenship:Must be a U.S. citizen with a valid Social Security Number
- Bank account requirement:Must have a checking account at a bank in the U.S.
You can apply for the Target Credit Cardonline or in person at a local Target store. You may be approved instantly if your doesn't require application additional review. Otherwise, it can take 7-10 business days to receive a decision.
If approved, you will also be able to make purchases right away. You will receive a temporary credit card to use until your actual card arrives.
Here's what you should know about the Target Credit Card:
The Target Credit Card gives you a 5% discount at Target and Target.com. You'll also get 30 extra days for returns and free two-day shipping on Target.com orders. The card also offers a $0 annual fee.
5
1
View more answers
16
Upvotes
How do I apply for the Target Credit Card?
Reply
16
WalletHub
@WalletHub
You can apply for the Target Credit Card either online or in a Target store, at the customer service counter; you cannot apply for this card over the phone. When you apply, you will need to provide some type of identification like your Social Security number, driver's license, state ID or military ID.
Keep in mind that you need at least fair credit to get this card. If you don't know where you stand, you can check your credit score for free...
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4
71
Upvotes
Where can I check my Target Credit Card balance?
Reply
71
39
WalletHub
@WalletHub
You can check your Target Credit Card balance online. Just make sure to enrollin online banking first. Alternatively, you can also check your balance over the phone at(888) 755-5856.
It is worth noting that easiest way to manage your account is by enrolling in online banking. In addition to checking your balance, you can also add cardholders, set card alerts, enroll in paperless credit card statements, and make or schedule your Target Credit Card payments.
16
4
14
Upvotes
How can I check my Target Credit Card application status?
Reply
14
1
Maria Adams, Credit Cards Moderator
@m_adams
You can check your Target Credit Card application status by calling(800) 424-6888. You'll need to hang on the line until they ask for your account number multiple times. You will then be able to press “0” to get to a live customer service representative. At the moment, you cannot check your application status online.
Note that it may take up to 10 days to get a decision on your application. Once approved, you'll get your Target Credit Card...
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7
Upvotes
Does Target have a credit card?
Reply
7
Chip Lupo, Credit Card Writer
@CLoop
Yes, Target actually has two credit cards, the Target Mastercard and the store version of this card, the Target Credit Card. The Target Mastercard is accepted virtually anywhere credit cards are accepted, on the other hand, the Target Credit Card is only accepted at Target. There are a few things you should be aware of.
Target Mastercard vs. Target Credit Card
Category | Target Mastercard | Target Credit Card |
Ongoing Rewards | 5% discount on all Target purchases, 2% in rewards on dining and gas, 1% on all other purchases outside Target or Target.com | 5% discount at Target and Target.com |
...
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3
1
58
Upvotes
How can I get a Target Red Card credit limit increase?
Reply
58
36
WalletHub
@WalletHub
You may get a Target Credit Card credit limit increase if the issuer decides to review your account and they grant you an increase automatically. At the moment, you cannot request a Target Credit Card credit limit increase directly, as the issuer does not offer this option to Target Credit Card members.
To be eligible for a credit limit increase, your account must be in good standing for at least 12 months and your income information must be up...
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15
5
View more answers
How do I cancel my Target Red Card?
Reply
10
Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
To cancel your Target Credit Card, call(800) 659-2396. Next, 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. At the moment, there is no way to cancel your account online.
Keep in mind that cancelling a credit card may hurt your credit score. So, take a look athow to navigate the processwith as little damage as possible to your score.
3
10
Upvotes
Does Target have a credit card?
Reply
10
Chip Lupo, Credit Card Writer
@CLoop
Target has a credit card known as the Target RedCard that can be used only at Target stores and online through the Target website. There's also a Target Mastercard credit card that works anywhere, which existing customers can upgrade to from the Target store credit card.
The Target Mastercard and the Target store card share many similar features, though. Both cards offer a 5% discount discount in-store and on the Target website. Both also provide free shipping on...
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1
1
Upvote
How can I log in to my Target Credit Card account online?
Reply
1
Brianne Larch, WalletHub Credit Card Analyst
@BrianneLarch
To log in to your Target Credit Card account, visit the login page on the Target website and enter your username and password in the appropriate fields. Then, click the “Sign In” button to access your online account. If you don't already have an account, you will need to start by creating one.
How to Log in to Your Target Credit Card Account
- Register your Target Credit Card for online account access. Visit the enrollment page and type your credit...
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20
Upvotes
How can I pay my Target RED card?
Reply
20
Maria Adams, Credit Cards Moderator
@m_adams
You can make a Target Credit Card payment online, by phone, through the TD Bank mobile app, by mail or at a branch. To pay a Target Credit Card bill online, log in to your online account and click on “pay now.” Then, choose how much to pay, when to pay it, and where the payment is coming from. TD Bank does allow cardholders to set up automatic payments, too.
Ways to Make a Target Credit Card Payment
- Online:...
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1
2024 WalletHub Awards
Target Credit Card is an Editor's Pick for:
Back to School Credit Cards
Credit Cards for Shopping
Credit Card for Groceries
Credit Cards for Online Shopping
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Target Credit Card Reviews
Share your insights and review for the Target Credit Card
5
36%
4
32%
3
13%
2
6%
1
13%
3.7
1,055 reviews
1,055 reviews
What's Your Rating?
Most Recent
jeff White
@stollenwhite
1 Star Rating
Worst customer service I've ever encountered with a credit card, and a high interest rate to boot. Any time we have tried to make a large payment, they have held up the funds without actually crediting them to our account balance. In order to successfully pay, you must make multiple small payments or wait weeks for them to actually process the payments. Now they have closed our card after 23 years due to an error on their end. They never tried to pull funds from our bank and rejected payment twice, despite my having spoken to their agents multiple times and being assured everything was fine. Saving 5% is not worth the horrible service.
Comment
laineeraycarner8200
@laineeraycarner8200
1 Star Rating
Horrible! There has been fraud on my account since August, and no one has assisted me. It keeps affecting my credit and accruing interest. The first claim was submitted in August 2023. They told me it was sent to the wrong department, as it was filed as a dispute instead of fraud, so they didn't transfer it to the appropriate department. They declined it and sent me a letter. I then addressed the issues they outlined, which I did, and I've had to send that letter four times, yet they still haven't resolved the issue. It is now March 2024, and I have not received any help. I haven't spent any more money at Target since this incident, and I refuse to shop there anymore. I will be contacting the Better Business Bureau (BBB).
Comment
m_balian
@m_balian
I am going through the exact same thing with Target. I will be submitting a complaint of my own. I am also going to be contacting the BBB. I've called them multiple times and have not gotten a call back from them once. They said that I am responsible for a credit card payment I did not open - someone opened with an incorrect license number, target approved and now they are saying that I am responsible to pay. This is theft!
Comment
4
1
deborah kerak
@dkerak
1 Star Rating
Always paid on time, never late. For no reason, they lowered my credit limit, which hurt my credit score. Have had the card for many years.
Comment
Anthony
@park1850
3 Star Rating
You get 5% discount on total purchases. Lower priced than ripoff Walgreens for needed items and other related products. Convienent location
Comment
Rafael
@rafaeltorres0534
5 Star Rating
Excellent service ,Fast free delivery.Polos send to me very well design and comfortable suberp Color.Strong
Msterial.There was only one Flaw a low credit line
Comment
Marion Moss
@marionm_22
5 Star Rating
Good card to have for small purchases for Christmas, thanksgiving and Valentine’s Day. Will keep card for the time being. Baby cloths for girls are great bargain, there is not a lot of clothes for baby boys.
Comment
Janet
@janstuder
4 Star Rating
They are fast and efficient in business, they have great sales. The only problem I have is I have a very difficult time signing onto my target account. I always get an error message telling me that my sign on input is not valid. It's never changed and I never use to have problems getting onto the site. I would probably buy more merchandise were it not for the fact I have such a difficult signing in.
Comment
Samuel
@snegrete79
4 Star Rating
Great overall credit card that can give you additional percentage off. Great for school and great for beginners credit card to start off.
Comment
Lon
@lond
4 Star Rating
The Target Card is convenient to have when shopping at Target. However, using the website for payments is not very user friendly. There are too many steps to get to the right section, and the way the site is set up gives the feeling that they don't want you to pay off your balance but would rather have you pay the minimum.
Comment
George
@gglover82
5 Star Rating
Thank you for your service and thank you for your support and your help with the business and your business service and thank you for your support.
Comment
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* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Kohl's Credit Card, Target Credit Card, and Target Mastercard
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