Target REDcard™ Debit Card

For People with
No Credit



The Target REDcard™ Debit Card offers 5% savings at Target and 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, 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.

Where can I use my Target REDcard™ Debit Card?

The Target REDcard Debit Card can only be used at Target and

The card can be used at restaurants and services within Target stores as well, but these purchases will usually not qualify for the 5% discount. The exception is Starbucks cafes in Target stores, which do qualify for the discount. See our review for a full description of purchases that do not qualify.

Card Quick Facts

Card Quick Facts

  • 5% off eligible Target purchases
  • Free two-day shipping at for eligible items
  • 30 extra days for returns
  • Exclusive deals and early access offers
  • No annual fee
  • Debit card, not a credit card

For People with
No Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5% off eligible purchases at Target and

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR Not Applicable - Debit Card
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee -
Returned Payment Fee Up to $40
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Free Two-Day Shipping

    On eligible purchases. Other purchases will get free standard shipping.

  • Extended Returns Program

    You get 30 additional days to return purchases beyond the standard return policy.

  • Baby Essentials Discount

    Get 15% off select diapers, formula, and wipes when you subscribe and use your REDcard.

  • Exclusive Extra Savings

    Combine your REDcard savings with Cartwheel, Target Subscriptions, and coupons.

  • Early Access Offers

    Get early access to special offers, sales, and promotions.

  • Anniversary Gift

    Sign up for Target marketing emails to receive a 10% off coupon by email on your cardmember anniversary.

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card, as long as you contact the card issuer immediately.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 8 reviews
by Shawna

I just recently got my target red debit card. I went to use it this weekend and it did not allow me to spend a whole whopping $60. I have plenty of money in my associated account, and I have excellent credit. What a ridiculous waste of time. If it wasn’t so frustrating, it would have been comical. Like others, I was told something along the lines of it having to take days to clear before the card can be used again. Seriously?? Get real!!

by GioP
Very bad experience

I’ll be short, I called to update my bank account and ended closing my Red Card account after being charges $70 fees because they were not able to contact me to address an issue with the bank, even having my phone number. Very bad attitude of the customer service made me feel relief by closing the account. From now I also will avoid going to Target.

by ina Purvins
charged for cancelled items

This card will debit your bank account even if you never pick up the items you ordered, cancel the order or even if the wrong items are presented at pick up and you refuse them. Takes days to get your money refunded. I closed the card because of this practice and they STILL debited my bank account for a cancelled order, a day AFTER I closed the card. Total scam card and company. Boycott Target.


I had the debit card Red Card Option and being that I LOVE Target I thought this was ax excellent deal but after using for a few months I tried many times to call about a complaint of a charge unknown. So not only was I charged for whatever it was I was also charged for not being able to cover the cost. Not to mention, the Customer Service line is lousy. Folks this was in 2012, and I have come back here to see if things have changed and they unfortunately have not. Target this is good idea but you gotta come correct to these RedCards.

by Debbie
Disappointed with debit card policy

First let me say that I love Target but am very disappointed in my recent experience. I ordered an item online and picked up at the store. While there I wanted to purchase wrapping paper for this item. At the register, both mine and my husband’s debit red card was declined. Knowing that we had more than enough money in our account to cover the $5 charge we tried again with the same result. Later, my husband called Red Card services and was told that because one transaction did not have time to clear the bank, no other transactions can be made with the Red Card until it was cleared. The item I ordered online and picked up at the store was only $15! Seriously? So, if I had more items to purchase that day, because I can’t use the Red Card I am also losing 5% discount in addition to being embarrassed at the register that my card was declined. I have been a good customer at Target and feel this is ridiculous.

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