The Target REDcard™ Credit Card provides 5% off when you use it at Target and Target.com for eligible purchases. This discount is applied immediately when checking out, rather than being awarded as cash back.
You’ll also get free two-day shipping on eligible items from Target.com, with free standard shipping for any items that don’t qualify for two-day shipping. There are also exclusive discounts, early access offers, and an extra 30 days to make returns.
This card has no annual fee.
There is also a debit card version of this card, the Target REDcard™ Debit Card (Review). Learn more about these cards and see how the credit card version compares to the debit card in our Review of the Target REDcard Credit Card and Target REDcard Debit Card.
Target also used to offer a Target Visa, but it was changed to the Target Mastercard. All Visa cardholders have been issued a Target Mastercard in the mail. If you haven’t received yours already, give Target a call at 1-888-729-7331.
The Mastercard is only for previous Visa cardholders — new applications are not being accepted at this time.
Where can I use my Target REDcard™ Credit Card?
The Target REDcard Credit Card can only be used at Target and Target.com.
The card can be used at restaurants and services located 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.