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Target Store Card

Target Store Card
Required Credit Score: Excellent, Good, Fair
4 371 reviews   Write a Review!
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Target Store 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 Store Card's Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
N/A
  • ANNUAL FEE None

Target Store 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
  • REDcard Online Management: Quickly check your credit account balance, debit transaction history, or update your personal information—anytime, anywhere.
Apply Now
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Target Store Card Reviews

 
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1 2 3 4 5
 
4.1
Overall Rating: 4.1 / 5
Total Ratings: 371
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Apr 7, 2014
Photo of Griffin E.
2
By:
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.
Mar 31, 2014
Photo of Shalaeha M.
5
By:
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
Photo of John H.
5
By:
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
Photo of Michael M.
4
By:
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
Photo of Katie S.
4
By:
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
Photo of Dawn M.
4
By:
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
Photo of Anjelica L.
4
By:
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.
Mar 12, 2014
Photo of Chase S.
4
By:
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.
Mar 6, 2014
Photo of Jackie F.
5
By:
I love my Target RedCard! The 5% off all purchases can't be beat. Combining my RedCard discount with Target's coupons and Cartwheel app, I have saved so much money on groceries and household items. Additionally, the free shipping I receive when shopping at target.com with my RedCard is awesome. I give this card 5 stars because it's an awesome money-saving tool when it's paid off every month. I wouldn't want to carry a balance on the card due to the high APR.
Mar 5, 2014
Photo of Allie B.
5
By:
The Target store card offers an excellent discount and extras like free shipping that are great money savers for Target shoppers - because everyone knows, you can never buy just one thing at Target! The regular rate is much better than my Capital One platinum card.
Mar 4, 2014
Photo of Nicole M.
4
By:
I have had this card for awhile now and am overall satisfied. I use it as a back up for groceries when I just don't have the extra after rent and fuel. I also use it a lot at Christmas to build up extra points. The return policy is also a plus, having an extra 30 days to return something. I only gave it 4 stars though because of the massive credit card hack they had a couple of months ago. It was a major headache and I hope to never have that problem again! At least customer service was great when helping to resolve the issue!
Feb 28, 2014
Photo of Nicole T.
4
By:
I have had my Target store credit card for about four years now and I use it very frequently. I shop at Target about once a week at least and I always charge my purchases to my credit card. At the end of my billing cycle for the month I pay off my balance as I always have my maximum available credit ready to use. I have been very happy with my card and with the customer service. I have not run into any issues using my card, making my payments, or anything. I am careful to pay on time every month so that I do not incur any late more
Feb 26, 2014
Photo of Rob L.
5
By:
I have had this card for over 8 years and use it every month. Only once have I had a problem with them charging a late fee but a simple call in and it was removed. Great customer service and the savings is an even better bonus!
Feb 24, 2014
Photo of Marquise J.
5
By:
This is a great card and it's awesome that there is a rewards program in place to benefit from. Target allowing for free shipping online, discounts and much more is definitely a great perk. Cards that I've had in the past usually don't have perks like this and the interest rates are usually sky high.
Feb 19, 2014
Photo of Ermine V.
3
By:
I like having the Target Card because it's a great savings with the 5% discount. I am overall disappointed in the overall APR being so high. The website is easy for paying the bills, however, I find it a little frustrating that the store cannot look up the account if you do not have your card with you.
Feb 13, 2014
Photo of Karina C.
4
By:
I love having and using the Target Store card. It took just a few minutes at the register to sign up and my purchases were immediately covered under the card's balance! I loved being able to add my two 18+ kids as members to my account because they had their own cards in their name and could use them in a case of emergency. That's definitely peace of mind for a mom! Taking care of the balance and payments could not have been easier. The online site is very easy to use, but very secure. You can also make payments at any Target store's customer service counter. I never had more
Feb 4, 2014
Photo of Theshack O.
5
By:
The Target Store Card is very fun for me! There isn't a Target in my hometown, so when I want to go to Target it's a road trip, about an hour or so. That is always fun, and then once in the store there is so much that isn't in my local town that by having the Target Store Card I'm able to buy exactly what I want without hitting my debit card. I always pay it off within about 25 days and it's smooth sailing. I've never had a problem with their store or their credit service. I totally recommend the experience!
Feb 2, 2014
Photo of James K.
5
By:
I love using this card when I go shopping at Target! The Target Store Card really helps me save money since I shop there so much, and I like that you get 5% discounts for the Pharmacy as well as the normal 5% REDcard discount, because I live close and like to be a one stop shopper, haha.
Jan 6, 2014
Photo of Taylor L.
4
By:
I love using my Target in store credit card. I applied for it right after I bought a home, so my credit was not that great, but I was still approved. The APR is rather high, but I pay it off before I incur any interest charges. Even though Target has that fraud scandal, the 5% off and free shipping definitely came in handy this Christmas. So many stores didn't have what I wanted in the actual store, but so many products are available online, so Christmas was a breeze. It will also come in handy for the extra 30 days I have to return items. I'm always late on more
Dec 24, 2013
Photo of Ryan L.
4
By:
As a shopper of Target, even through recent publicized issues and other financial hardships, this card is wonderful. The never diminished 5% off on every purchase is great and a life saver. I have always shopped to save at Target and this card lets me save even more. Using this card I can save more money and time, as I no longer have to shop around for great deals as Target carries practically everything that you will ever need for everyday living. Best deal there is. Everyone should get this card.
Dec 24, 2013
Photo of Wendy D.
4
By:
This card is super convenient since we are always shopping here. I get what I need, pay with the card to get 5% off, walk over to the customer service desk and pay the bill. Easy peasy! I can also use the card for online orders with in store pickup. It's not the lowest rate around, but if you pay your balance, no worries! The only thing I don't like is trying to access my account online with my smart phone. Otherwise, this card is a keeper!
Dec 18, 2013
Photo of Sandra D.
4
By:
I opened a Target Red Card when I was shopping on line and found a kitchen set that I wanted to purchase as a house-warming gift for my son who has just moved into his first apartment. I was tipped off by one of Target's customer service people that if I opened a Red Card, I would get free shipping (my son lives in another state), plus I would receive 5% off the price which pretty much covered the sales tax. I plan on keeping my card because I know I will be making future purchases at Target.
Dec 17, 2013
Photo of Lindsay K.
4
By:
I have this credit card, and I enjoy it. 5% cash back on all purchases all the
time is definitely a plus. I love hassle free rewards. The interest rate isn't great
at 22.9%, but if you don't typically carry a balance, the interest rate won't
matter much. I also love the free shipping option at Target which saves me even
more money over the long term. My capital One MasterCard did offer me a 12 month
introductory interest rate at 0% which is great. I would have liked to have gotten
a similar offer from Target when I first got the card.
Dec 13, 2013
Photo of Beverly H.
4
By:
Starting with the negative: The interest rate is high although not out of line with similar cards. Everything else is positive: Saving 5% on each transaction both in-store and online with no cap on how many transactions qualify for cash-back is a great feature. Free shipping is a wonderful draw and saves on purchases and gas for those who are used to picking up in-store in order to save on shipping. Receiving 30 extra days for a return is a plus as well.
Dec 12, 2013
Photo of Moriah K.
5
By:
I shop at Target very frequently so the Target Store Card is a definite must have for me. If you use the card at Target or Target.com, you get a 5% discount on your purchases. If you use the card online at Target.com, you can also get free shipping which is amazing and very convenient as Target often has sales and clearance items and coupons which can only be used online. I hate paying for shipping so this card takes care of all of that. Overall, I am very happy with my Target store card as I get pretty much all my groceries, electronics, toys and gifts at Target. Sometimes more
Dec 6, 2013
Photo of Andrew L.
3
By:
All of our home shopping for groceries, cleaning supplies and everything is else done at Target, so it naturally made sense to get the Target Store Card. This card provides very good discounts on select item purchases. Another benefit is the extended return period. One big complain I have with this card is the very high interest rate, but of course you can always go around that hurdle by paying monthly and not carrying balance to get slammed with interest. Shopping at Target is a pleasure and using the Store card would be more fun if they offered decent APR, but I guess you can't always have too much of more
Dec 5, 2013
Photo of Eric J.
5
By:
The Target store card is probably the most useful credit card I've had yet. I frequent Target and the 5% discount off any purchase is a huge perk. There is no intro period, but as I frequently pay my full balance promptly, the 5% discount more than makes up for this. I also love the convenience of being able to pay in the store. The card also makes returning items without a receipt a much less stressful undertaking. The billing statement is very detailed, and this makes it easy to really monitor my spending. I have not yet used it on Target.com, but it will be perfect to use for more
Dec 4, 2013
Photo of Braden B.
5
By:
Target is my choice of big box retailer, so it is nice to see a decent store card offered by them! With the Target Store Card, you get 5% off you entire purchase every time you use it. It does not sound like much, but if you are a frequent patron of Target, then think of it this way: say you buy the majority of your supplies from Target and it costs you a total of $10,000 a year (hypothetically). At 5%, that is about $500 for that year. That is an extra $500 for whatever you might need it for. Not only that, but you also get an extra more
Nov 28, 2013
Photo of Jeremy S.
4
By:
Target is one of the few retail stores where I live so I naturally do most of my shopping there. As a result, the 5% discount I receive using my target card adds up to big savings each month. The free shipping is nice if I can't find a particular item in the store. There is one ugly drawback to this card, unfortunately. Like most store cards, it has an interest rate that is much higher than that of other cards (almost 23 percent). If you are the type of person who wracks up large balances, this is not the card for you. On the plus side, the card does more
Nov 28, 2013
Photo of Dwain C.
5
By:
I love the Target Store card! Who wouldn't want an extra 5% off ALL purchases - including sales and clearance items - every day you shop? Plus, if you love shopping online, you'll always receive FREE shipping from Target.com, plus the 5% discount and any number of other discounts that might be available online! The interest rate isn't the best in the world; but, it's about the same as almost any other store credit card. Just pay it off each month and it won't be an issue. So, if you shop at Target, it's worth it to use the Target credit card to save 5% off your purchases -- it more
Nov 26, 2013
Photo of Scott B.
5
By:
The Target Store is a must for a frequent Target shopper or consumer. 5% off each time you shop at Target may not be a big deal, but think about it as basically shopping sales tax free each time you shop. That alone can save a lot of money over the life of the card. Additionally, with free shipping at Target.com, you're looking a lot of benefits over a rather basic card. The APR isn't outrageous compared to some cards, and if you remember to pay it off, the benefits are even better. Basically, if you just shop at Target even sometimes, this card is going to be worth your more
Nov 26, 2013
Photo of Andrea T.
4
By:
I love my Target card! I use it all the time, you can't beat 5% off for buying things you'd buy anywhere. I love that I can use it online to get the discount AND free shipping. The interest rate is comparable, but I mostly use it and pay it off. I was hesitant to get this card and I'm so glad I did, I feel like I was wasting money for years before I had it. If you shop at Target regularly, you should really consider getting this card.
Nov 22, 2013
Photo of Scott B.
4
By:
If you live near a Target, like I do, you'll notice yourself shopping there more and more often. That's why I signed up for a Target store card. The Target REDcard's biggest benefits are definitely the 5% discount on purchases (basically like instant cash back) and the added benefit of free shipping when shopping online at Target.com. However, you definitely want to watch your balance because it has a high interest rate of 22.9%. So if you carry a large balance or let your shopping pile up, you're going to be paying off a ton of interest. But you definitely can't beat the 5% cash back for any Target purchases!
Nov 22, 2013
Photo of Joshua W.
4
By:
I signed up for a Target card when I was a Junior in college. I started taking advantage of that extra 5% off. This is where they got me. It was very quick and easy to not only sign up for the card, but also to continue using it. I shop at Target regularly, and I still use this card frequently, as the 5% off is still too tempting an offer to pass up. The interest rate on this card is more than fair, and I've never had a problem with making payments. Their customer service for cardholders is also very helpful. Overall, I've been very happy with this card.
Nov 22, 2013
Photo of Stela G.
4
By:
I finally signed up for the Target store card about ten years ago while I was in my freshman year of college. I had put off doing so for years but finally did when I had a particularly large purchase and wanted the 5% discount. Signing up at the register when they asked me was very quick and easy. Using this card and paying it every month helped me establish my own credit as I got out on my own in college and after graduation. I still shop at Target regularly and use this card every time. I’m sure over the years I have saved quite a bit with the more
Nov 19, 2013
Photo of John R.
4
By:
I really enjoy the Target Red Card Visa card, especially since it gives me 5% back on all Target purchases. Target is one of my most regular retailers, and they have an excellent array of merchandise, from clothing to electronics to groceries. The downside to this card is that at over 22% APR, the interest is too high. I once made an error of using this card for a cash advance, and I wasn’t able to repay the debt for many months. Also, the 5% offer is only on in-store purchases. There’s really no reason to use this card outside of Target.
Nov 19, 2013
Photo of Jeff G.
5
By:
One of my favorite benefits of this card is the fact that I get an additional 30 days to return items to Target. It is also nice that I get 5% off of all of my purchases with Target and Target.com. Speaking of Target.com, you also get free shipping when you check out using your target card. We buy most of our toiletries from Target and the 5% savings really comes in handy. You can also stack your 5% every day savings with your 5% pharmacy rewards certificates and really save money on your prescriptions. All in all, this is a great card to have in your wallet.
Nov 17, 2013
Photo of Gloria C.
5
By:
I have had the Target Card for about five years. I originally got it for holiday shopping and have continued to use it for not only holidays but also everyday shopping. The 5% bonus for everything bought is a great feature, but the best feature is the free shipping. I shop on line frequently and have saved a lot of money by using Target. The prices are comparable to other online stores and the selection and quality are top-notch. So choosing Target on-line is a no-brainer- you save in two ways- shipping and a 5% discount. Payments are easy. You can pay on-line, the way I like to do it, more
Nov 11, 2013
Photo of Jon S.
5
By:
The Target store card is the best on the market in my opinion. If you regularly shop at target, this is the card for you. It allows you to put all your purchases on one card, with no annual fee and fairly reasonable rates. You also get free shipping with online purchases from their website, which will save you a lot if you order things through Target normally. The 5% discount on purchases with the card is just icing on the cake. I much prefer this card to the Walmart store card, which has almost no benefits attached to it. This is an excellent card if you shop at Target more
Nov 8, 2013
Photo of Val M.
3
By:
The Target Store credit card is one of those things you purchase for one reason, and one reason only. The free shipping. I love to shop online, and with a little one at home find it to be the easiest way to get things done. So when I got a gift card to Target I went to purchase a few necessities online, and saw the CRAZY price for shipping. Though I did not need another credit card, I broke down and signed up. I appreciate the 5% off, though it doesn't make a huge difference to me. Also I always pay off my full balance so I don't pay to more
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Last updated on: Apr 7th, 2014 at 1:48 EDT