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
$21.58 compared to the average credit card, according to WalletHub’s latest
Credit Card Landscape Report.
Enjoy 30 extra days for returns
Simply having a Target Credit Card gives you 30 extra days to return purchases for a refund, on top of each item’s standard return window. That extra time could be a life-saver for someone with a busy schedule.
Get free shipping from Target.com
The Target RedCard makes it easier to shop online, thanks to the free standard shipping it gives you on all Target.com orders. So as long as you don’t need something at the last minute, you won’t have to pay extra for doing your shopping from home with a Target Card.
Qualify with “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.