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Target Credit Card

target credit card
Required Credit Score:
Fair
576 reviews   Write a Review
Info about the Target Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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Target Credit Card’s Rewards

Bonus
None
Base Earn
5%
Max Earn
5%
  • Save 5% at Target and Target.com.
  • REDcard gives you 30 extra days for returns.
  • Combine your everyday 5% savings with Cartwheel, Target Subscriptions, and coupons
  • Free Shipping at Target.com

Target Credit Card’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
23.15% (V)
  • ANNUAL FEE None

Target Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    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.
  • Choose any eligible K-12 school and Target will donate 1% of your Target Credit Card purchases made at Target and Target.com
Apply Now
at TD Bank’s
secure site

Customer Questions and Answers

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How can I check the balance on my Target REDcard?
Reply

Photo of Card H.
Jan 10, 2016
The easiest way to check your balance is to enroll in online banking at https://rcam.target.com/ . You can also call Target's customer service at: 888.755.5856 . Hope this helps.
26 Votes 39 13

Can I buy groceries with my card?
Reply

Photo of Card H.
Jan 10, 2016
Yes, you can buy groceries with your Target Credit Card. You can use it to buy anything they sell at Target or at target.com . Best of luck!
19 Votes 31 12

How can I increase my credit line on the Target credit card?
Reply

Photo of Card H.
Jan 10, 2016
Your best bet would be to call customer service at 888.755.5856 and ask if you are eligible for a credit line increase. You can get some really useful tips about making your case at: cardhub.com/edu/how-to-increase-credit-limit/ . Hope that helps!
17 Votes 27 10
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Customer Reviews

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3.9 out of 5

576 reviews
33%
43%
13%
5%
6%
Photo of Card H.
Feb 15, 2016
One of the best store credit cards on the market, the Target REDcard gets you 5% off most Target purchases, an extra 30 days to make returns and free shipping from Target.com. It doesn't charge an annual fee, either. So if you shop at Target on a regular basis and you don't already have the REDcard, what are you waiting for?

You don't really need to worry about your credit standing, assuming it's not bad, as you only need limited/fair credit to get approved. In fact, that relatively lenient credit requirement and the card's lack of an annual fee actually make it a great tool for cost-effective credit building. But one more
Photo of Ben S.
Feb 24, 2016
I had to call them for a bill almost 60 days after receiving this card. They said I had finance charges and late fees. They had my address wrong and would not waive any fees. I cancelled the card and 90 days later I get another bill for 3 months of late charges. Apparently they posted that payment late and another late charge was required. So all said and done I paid over $200 for the opportunity to have their card. I would advise against it, get a credit card like capital one with points and have them send you target gift cards instead. Their customer service is actually worse than Time Warner
Photo of Chanel G.
Feb 24, 2016
Refused to return late fees after being lied to about auto pay set up. That's not good customer service Target. Keep your card.
Photo of Laura S.
Dec 29, 2015
i have been charged late fees for four months because i was lied to when i signed up for this card and NO ONE has been even remotely helpful in getting this resolved. based on the one star reviews elsewhere online i am guessing this is a paid site with tons of fake reviews. good work target/td bank. youve lost a significant customer
Photo of Francine W.
Dec 28, 2015
Target Red Card has gone overboard in their security measures. Everyone in your family has to have an individual account number. Red Card is able to tie the purchases together onto a single bill, but when you attempt to return an item, and you do not have the specific card the purchase was made from, they are unable to return an item and credit your account.

This is painful when I try to return an item which my wife purchased through her card. It's not worth the 5%, when you end up losing money on a return.

Red Card - You really need to THINK about customer service. more
Photo of Wendy T.
Dec 13, 2015
I love my Target card I always shop there for deals and by using my card I get an extra 5% percent off. Money saved means money in my pockets. Forever loyal to Target. Great customer service and are very helpful.
Photo of Ella L.
Dec 10, 2015
What I really love about the Target RedCard is that I save so much money. I can order things online easily and have them shipped to my house for free, on any purchase. They do not have a minimum purchase amount to receive the free shipping which is spectacular. I also save 5% on every purchase that I make, either online or in-store. It is so easy to use the RedCard, and it saves me money on great merchandise from Target.
Photo of Patrick R.
Dec 9, 2015
I really love my Target credit card. The credit card offers all the benefits and ease of use as any credit card I have ever had, but it also has the added incentive of getting a 5% discount at Target stores and online. And any issue I have with my account or purchases is quickly and professionally resolved with their great customer service. I highly recommend this credit card. 4 Stars.
Photo of Ryan W.
Dec 6, 2015
I love to use my Target card when I go to the store or use online. One of the main reasons why I use it is for the 5% discount. If I find an item that I like online or at other stores, I check to see if it is the same price at Target - if it is I use this card and get it for 5% cheaper!
Photo of Coupon S.
Dec 2, 2015
It was very easy to apply in store and I was accepted right away. It was smooth and simple to get the card. I just filled out all my information and the manager came over and entered it into a computer and was able to give me a card right there at the store. It was great and I also got a 10% off coupon which was nice as well.
Photo of Stephen M.
Oct 29, 2015
Im embarrassed to own this card. My annual income is $140k and my credit is 750's. I've been a member for over 10 years and never missed a payment. Every year I call to get a credit increase and I always get the same answer, it's done automatically. MY LIMIT IS ONLY $1,000!!!!! ARE YOU EFFING KIDDING ME?!?!?! EFF THEM!
Photo of Tina E.
Nov 16, 2015
Well it's better than nothing but a,credit score like you have it should be more and a member over 10 years that's crazy
Photo of Frank S.
Jan 20, 2016
I've had the card about a year and mine is 1300 always pay before its due and you will get in increase sooner
Photo of Sai V.
Oct 26, 2015
We use the Target credit card all the time. We are frequent shoppers at Target. We usually like to combine our coupons, the Target mobile app and the Cartwheel app to maximize our savings. We generally save 5% on our purchases. This is a must-have card for anyone that is looking to maximize their dollar. It is very easy to set up and you can have another person on your card.
Photo of April M.
Oct 13, 2015
I have had my Target Redcard for about 8 years now and don't really use it as much as I once did. The only perk that you seem to get is a 5% discount, I can save just as much by using certain coupons at other stores than the 5% will get me. The free shipping isn't really that great of a deal either because a lot of the times Target is running a special/sale to get free shipping anyway. I will still use the card on occasion but I will say I have seen better offers through other store cards.
Photo of Taz T.
Oct 2, 2015
I got approved for a card and it's been 20 business days and still haven't received it yet. Highly pissed off. They had told me they mailed it but now they're giving me the runaround. Hate these bastards. Poor business.
Photo of Tina E.
Nov 16, 2015
I hope you got your card I guess Target doesn't want your business
Photo of Rachel J.
Sep 28, 2015
I have been using the Target RedCard four 5 years now and really have no complaints. With a constant 5% off every purchase it is definitely a must have. I have also really enjoyed shopping online with my card, I still get the 5% discount and also free shipping and have never had an issue with this. The only thing to be careful of would be the late charge. Before I set up easy auto pay online I forgot a payment by one day and ended up paying $25 for this mistake, my own fault of course but goodness!
Photo of Laura D.
Aug 13, 2015
I noticed this week that customers were using their "chip-enabled" bank cards, but when I got to the checkout cashier, I discovered that "security" feature isn't available on Red Cards, WHICH STILL HAVE TO BE SWIPED. It's unbelievable, after Target not only had the GIANT SECURITY BREECH against customers who swiped their bank cards in store, (and that it tried to hide for months,) that Taget has not yet issued chip-enabled Red Cards to all card holders. It's especially dumb after upgrading your in store card readers.
Target has proved again that it is untrustworthy, and it cares only superficially about it customers.
Photo of Sarah K.
Aug 10, 2015
Target is my absolute favorite store, not only because of their prices, but also because of their great savings opportunities. This card is great because it gives an automatic 5% savings every time I use it. That's on top of the Target coupons available (which I can double up with manufacturers' coupons) and the Cartwheel App. I shop there at least once a week, and since I would be spending that money anyway, it made sense to me to get that extra savings. The only issue would be the interest rate, which is higher than my other credit cards, like Discover. But I use the card, then pay off the more
Photo of Brandy C.
Jul 30, 2015
Saving 5 percent isn't even worth it. There customer service completely sucks. The card originally got sent to the wrong address so I call to update the address with no issue, or so I thought. Only to receive a voicemail a couple days later telling me I have to verify the address. I call the number they provided in the voicemail only for the computer operated voice asking me for my entire card number in order to process my call. HELLO! how would I have that if I never received a card in the first place! So I google to find the correct number to call. I get someone on more
Photo of Jenny M.
Jul 17, 2015
I have used my Target Credit Card for several years now. The interest rate that they gave me when I first signed up was great. Usually I am a little iffy of credit cards, but this one has a great interest rate and my payments are very affordable each month. Target's customer service is also excellent. On the few occasions that I had a question, they answered me with no problem at all.
Photo of Pamela L.
Jun 26, 2015
This card is very convenient! It is one of my favorite credit cards to use. And Target is one of my favorite stores. Something I don't like about the card, though, is the high percentage rate. That's why I try to pay off my balance so I do not have to deal with the 22.9% rate. I like the 5% reward that is offered by the card...that is a major plus and is an incentive to use it.
Photo of Toni R.
Jun 14, 2015
I can't write a review about what I don't like about the offer when I think that the credit department at Target is one of the best out there. They are understanding they give their customers a chance over an over again. They work with you if times get tough and they always treat you with politeness and professionalism. I no longer have this card nor any others but if I were to have one again this would surely be my first choice. It's a great store, a great card, and a great staff. Thank you, Target!
Photo of Joe R.
May 18, 2015
The Target Red Card is simply a no brainier if you shop at Target. Compared to a lot of other store cards, you actually get continuing awards in the form of 5% off everything instead of a onetime signup bonus. Now my one issue with this card is the credit limits they bestow, and the limits are some of the worst I have seen. For instance I received a 300 dollar limit while on other cards I have close to 8,000. Anyhow, besides the limit issue this card is still a good option if you shop at Target. And of course make sure you pay off this card ASAP. Store more
Photo of Alex S.
May 6, 2015
I love using my Target Credit Card for all of my in-store and online purchases. The 5% discount is especially great when making big purchases on many of their sale items. The APR is a little high compared to other credit cards, but I always pay off the card in store whenever I visit the store. It is also a great benefit that local schools get a benefit from the purchases as well.
Photo of Lu J.
May 6, 2015
Great card, but again, I don't like to use it because the APR is so high. Like that they give back to local schools but clearly I'm paying for it with that high ARP. Appreciate the 5% off my purchase too that is a big bonus that makes it comparable Walmart prices.
Photo of Rosetta P.
May 4, 2015
I personally have this Target Red Card, and while it has advantages of 5% off purchases which you can combine with coupons and other discounts, the interest rate charged is very, very high. The only way I would suggest you get this card is if you are very disciplined in paying off your balance as soon as you make a purchase with it. In other words, go straight to the service desk and pay the balance immediately. That way you will never be charged that rate of interest which would completely wipe out any savings you may have received. Also, if you carry a balance on this card, and if more
Photo of Joe S.
May 1, 2015
I think this card really unfairly targets their typical shopper (no pun intended). Its a very high interest rate with not much of a bonus. The 5% off at any time is great but I have yet to get any additional bonus offers that I get on many other store cards (ie. 10% off if you use your card). Its a very easy card to qualify for but really can get costly quick.
Photo of Melissa G.
Apr 28, 2015
I love my Target Credit Card! What I love the most is the 5% off with purchase. If I use it to purchase my prescriptions from Target as well, I will get a 5% off coupon for every ten prescriptions that I have filled! So there are times when I use my RedCard and that coupon and get 10% off my purchases! Once I was able to make a large furniture purchase like this, coupled with my Cartwheel and online coupon! The 5% adds up over time and has been very handy for me and my family. I didn't know about linking my card to my son's school! I called more
Photo of Raul O.
Apr 24, 2015
This particular store card offers a 5% off any purchase made with Target, which definitely adds up over time. The ease of use makes it a definite plus. Accessing information regarding purchases with the card can be followed through Target.com. This card is my favorite one out of all the store cards I currently have.
Photo of David G.
Apr 17, 2015
This is one of the best in store credit cards to have, save 5% in store and online, and free shipping from the website is two of my favorite features about this card. There's no annual fee, and percentage is on point with what other stores offer, the late fee is fixed, and Target offers a 25 day grace period to pay your bill. Plus, you can stack your 5% savings with regular coupons from the newspaper!
Photo of Shelley B.
Apr 15, 2015
Normally I don't like any credit card, for any reason. Typically, I feel, they are designed to rip you off. And generally this is correct. However, the Target Red Card credit card breaks the mold, and if you are the sort of person who pays your card in full at the end of the month, then you need to have this card. It will save you all kinds of money. The first benefit is the 5% off every purchase. I love this, it's great, sign me up. Right? Absolutely! 5% adds up! But personally I love this card because I can get unlimited free shipping on any order. I no more
Photo of Stephen B.
Apr 9, 2015
I love my Target credit card, especially the awesome in-store savings I get. It really adds up and allows me to save a good bit on groceries from Target. The free shipping from online purchases is really helpful as well.
Photo of Eric H.
Apr 9, 2015
I use this card all the time to save money on things I would be buying at Target anyway. The 5% is a nice savings on necessary household items, and you can still use coupons with it as well.
Photo of Adam G.
Apr 5, 2015
I have a Target Red Card it is decent, but i would not call it great. Yes you get 5% cash back but depending how much you are spending you only save pennies on the dollar (pennies is better than zero however). The good thing about it is that if you pay off your balance within 3 months there is zero interest. With all this being said I was part of society whom was effected by the Target scam in which I had to get a new Target Card along with a new debit card from my bank, which obviously makes me weary to use it again, especially on big more
Photo of Chatana K.
Apr 3, 2015
I had a Target credit card a few years ago. I liked it a lot. If you shop at target a lot like I do it is great. The 5% off purchases is great. The extra 30 days for returns is helpful, but my favorite part is the free shipping from online purchases. Online shopping is so easy and convenient. Maybe it's just me but I always felt kinda special checking out at Target with my card. It kind of felt like being part of a club, and when you are checking out before you pay and the cashier asks if you want to sign up I enjoyed saying "Yep! more
Photo of Cason K.
Mar 31, 2015
Just like any other specific-store card, the Target store card is great if you do most of your shopping at Target. It offers 5% off and free shipping from Target.com. However, it can be a big pain to remember to pay multiple cards every month so I tend to shy away from specific-store cards. They do also offer a Target visa card which you can use anywhere and offers you the same perks at Target as this card does. All in all, a solid card, but you can’t use it everywhere.
Photo of George G.
Mar 25, 2015
As is the case with most store charge cards, the interest rate is very high, and the return is very low. The Target charge card has a 5 percent discount on all purchases which is nice if you shop there often, but its not so nice if you can't pay off your balance every month. Its not at all worth it if you need to carry a balance. Otherwise this card is a pretty no frills, but no fees card. And not really worth the risk of having a balance for most people.
Photo of Lisa U.
Mar 19, 2015
The Target Credit Card had some benefits which include 5% off all purchases, and free shipping for online orders. The interest rate though is very high. I use the card, then pay it off as soon as possible. If I forget though, then I have the finance rate charge to deal with. I like the card enough, but am thinking about going with the debit card instead, this way if I forget to pay right on time I will not have to worry about it since the money is debited directly from your checking account.
Photo of Tyler K.
Mar 19, 2015
I love my Target Credit Card. The card allows me to get 5% off of everything as well as free shipping for my online orders. It does have a rather high interest rate, but I am one of those people who pay things off right away, so I am never affected. I also enjoy the fact that I can manage everything online. Since I shop at Target a lot, it is definitely worth it for me. I have yet to take advantage of the 30 days extra on returns, but that is another small perk of the card. If you are not interested in getting the store credit card, I more
Photo of Dana G.
Mar 16, 2015
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.
Photo of Ian G.
Mar 10, 2015
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!
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Last updated on: Jun 27th, 2016 at 11:54 EDT

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