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Target REDcard™ Debit Card

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For the avid Target shopper, the Target REDcard Debit Card is your ticket to exclusive perks and savings. You’ll get 5% off Target purchases and access to benefits like free two-day shipping and 30-day extended returns. This is a debit card, however, so you’ll be making payments directly from your checking account.

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RUNNER UP Best Retail Store Credit Cards
Our rating
Min. credit level: Limited Credit History
Annual Fee: $0
Regular APR: Not Applicable - Debit Card

Target REDcard™ Debit Card

Our rating
Limited Credit History Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 5% off eligible purchases at Target and Target.com

INTRODUCTORY BONUS

None

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR Not Applicable - Debit Card
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee N/A
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Target REDcard™ Debit Card

Highlights

  • 5% off eligible Target purchases
  • Free two-day shipping at Target.com for eligible items
  • 30 extra days for returns
  • Exclusive deals and early access offers
  • No annual fee
  • Debit card, not a credit card
  • Links to your existing checking account (purchases generally take 2-3 days to process)
  • Cash withdrawal of up to $40 at checkout
ABOUT THE ISSUER

Target Corporation

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1‑855‑306‑7395

The Target REDcard™ Debit Card offers 5% savings at Target and Target.com along with a few valuable benefits.

This is a debit card, not a credit card. You must connect a personal checking account, and when you make purchases the money will be drawn directly from your account.

Cardholders will get 5% off eligible Target purchases when paying with the card. This discount is applied immediately at the time of purchase, rather than being provided as cash back rewards.

REDcard users also get free two-day shipping on eligible items at Target.com, with free standard shipping for any items that don’t qualify for two-day shipping. There will be opportunities for exclusive savings and early access offers, and purchases will get 30 extra days for returns.

Target also offers the Target REDcard™ Credit Card (Review), which lets you carry a balance over time. See our review and comparison of both of these cards in our Review of the Target REDcard Credit Card and Target REDcard Debit Card.