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Target Credit Card

target credit card
Required Credit Score:
Fair
4 505 reviews   Write a Review
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Target Credit Card’s Rewards

Bonus
None
Base Earn
5%
Max Earn
5%
Earn / Redeem Limit
No
  • Save 5% at Target and Target.com.
  • REDcard gives you 30 extra days for returns.
  • Stack your everyday 5% REDcard discount with your 5% Target Pharmacy┬« Rewards certificate for ultimate savings on a day of Target Shopping.
  • Free Shipping at Target.com

Target Credit Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
22.9% (V)
  • ANNUAL FEE None

Target Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • 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   No
  • REDcard Online Management: Quickly check your credit account balance, debit transaction history, or update your personal information—anytime, anywhere.
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Target Credit Card Reviews

 
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4.0
Overall Rating: 4.0 / 5
Total Ratings: 505
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Apr 17, 2015
Photo of David G.
5
By:
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!
Apr 15, 2015
Photo of Shelley B.
5
By:
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
Apr 9, 2015
Photo of Stephen B.
4
By:
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.
Apr 9, 2015
Photo of Eric H.
5
By:
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.
Apr 5, 2015
Photo of Adam G.
3
By:
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
Apr 3, 2015
Photo of Chatana K.
4
By:
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
Mar 31, 2015
Photo of Cason K.
3
By:
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.
Mar 25, 2015
Photo of George G.
2
By:
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.
Mar 19, 2015
Photo of Lisa U.
4
By:
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.
Mar 19, 2015
Photo of Tyler K.
5
By:
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
Mar 16, 2015
Photo of Dana G.
4
By:
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.
Mar 10, 2015
Photo of Ian G.
4
By:
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!
Mar 9, 2015
Photo of Mark F.
4
By:
Mar 9, 2015
This is a good card to have. I save 5% on everything on the store. I dont know what my credit score was but I just applied and got it. Trying to build my credit to a excellent score :)
Feb 26, 2015
Photo of Nicole W.
4
By:
Feb 26, 2015
I love using my Target card to make purchases. The interest is high, however it is comparable to other store cards. But what this store card offers that others don't - it gives a 5% discount when you use the card, it gives you rewards, as well as free shipping when you order online. These are greater benefits than any other store card I have had! The only reason I did not give 5 starts was because it was a hassle when their computers were hacked and I have some concerns about how secure they store their information. Overall, it is a great card with excellent benefits!
Feb 20, 2015
Photo of Alexa H.
5
By:
Feb 20, 2015
I really enjoy using my Target credit card. One of my favorite things about this card is the fact that i receive free shipping on my online orders. There is not a certain amount that I have to spend to receive this feature. I also love getting 5% off of all of my purchases. I combine this with special offers and coupons and it ends up saving me a good amount of money. The customer service staff is always nice and helpful as well.
Feb 20, 2015
Photo of Sarah B.
5
By:
Feb 20, 2015
This is by far my favorite store card. They have free shipping for all online orders, regardless of the price, no annual fee and 5% off of everything! The 5% combines with other deals and coupons so it if you're ever going to shop at Target it just makes sense to have their credit card! I shop with them much more often now because of the benefits from my card!
Feb 19, 2015
Photo of Shelley L.
5
By:
Feb 19, 2015
The Target card is one of the very few store credit cards that I own. The reason is simple; it saves me money in the form of a) 5% off on each and every purchase, either online or in store and b) free shipping on every order, no matter how large or small. Typically my orders are small and would not qualify for free shipping so now that I have the card I can pick up whatever I want and have it shipped for free. I pay the balance in full every month and cannot speak to the interest rate; my recommendation is pay your bills in full every month, more
Feb 19, 2015
Photo of Ella L.
5
By:
Feb 19, 2015
I use the Target card a few times a week. I love that I get to save 5% on every purchase, online or in store. I take advantage of the Free Shipping when I order online. Saves me a trip to the store (and gas). I even get coupons with my card statement, which is nice. I also get cardholder coupon booklets in the mail occasionally (another perk!).. All in all, I recommend the Target Redcard if you shop there a lot or just once in awhile. It will save you money, and you get perks just for joining. Also, no annual fee.
Feb 12, 2015
Photo of Tony L.
5
By:
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 more
Feb 9, 2015
Photo of Johanna H.
4
By:
Feb 9, 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 more
Feb 5, 2015
Photo of Michele B.
1
By:
Feb 5, 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. more
Jan 22, 2015
Photo of Timothy S.
4
By:
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.
Jan 6, 2015
Photo of Jaclyn C.
3
By:
Jan 6, 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
Photo of Gabriel R.
5
By:
Dec 26, 2014
What I like about this card is that I get bonus points.
Dec 26, 2014
Photo of Dbl B.
4
By:
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 8, 2014
Photo of Diana H.
4
By:
Dec 8, 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.
Jul 20, 2014
Photo of Tyler D.
Tyler Dresser
Jul 20, 2014
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...
Dec 4, 2014
Photo of Dawn S.
5
By:
Dec 4, 2014
This card comes with some nifty rewards and is easy to pay online.
Dec 4, 2014
Photo of Nancy B.
5
By:
Dec 4, 2014
With this card you get 5 percent off your purchase and that includes groceries.
Nov 13, 2014
Photo of Joshua W.
5
By:
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 6, 2014
Photo of John B.
5
By:
Nov 6, 2014
Great customer service, great value, great store, great terms, I recommend it!
Nov 3, 2014
Photo of Mollie M.
4
By:
Nov 3, 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. more
Oct 29, 2014
Photo of Andrew F.
5
By:
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 more
Oct 17, 2014
Photo of Amy H.
4
By:
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 more
Oct 10, 2014
Photo of Luke S.
5
By:
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 9, 2014
Photo of Ashley-Nickole C.
4
By:
Oct 9, 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 9, 2014
Photo of Stephanie R.
5
By:
Oct 9, 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.
Sep 24, 2014
Photo of Melissa L.
5
By:
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 more
Sep 15, 2014
Photo of Craig L.
5
By:
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.
Sep 9, 2014
Photo of Michael G.
5
By:
Sep 9, 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 9, 2014
Photo of Dakota P.
5
By:
Sep 9, 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!
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Jan 21, 2015
Photo of Michael C.
By:
Jan 21, 2015
how can i check my balance on my target REDcard
Jan 30, 2015
Photo of Card H.
Jan 30, 2015
You can go here >> https://rcam.target.com/, sign in and then check your balance.
Nov 13, 2014
Photo of Irene B.
By:
Nov 13, 2014
Can I buy groceries with my card
Jan 9, 2015
Photo of Card H.
Jan 9, 2015
Your best bet is to call Target’s customer service at 1-888-755-5856.
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Last updated on: Apr 17th, 2015 at 8:37 EDT