Target REDcard™ Credit Card

For People with
Fair Credit



The Target REDcard™ Credit Card provides 5% off when you use it at Target and 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, 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.

If you signup for this card before September 14th, you can cash in on a signup bonus for $40 off a future qualifying purchase of $100 or more after you’re approved for the card.  Your coupon expires on October 15th, 2019.

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

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.

Card Quick Facts

Card Quick Facts

  • 5% off eligible Target purchases
  • $40 off a future qualifying purchase of $100 or more after account approval (coupon expires 10/15/19) (until 9/14/19)
  • Free two-day shipping at for eligible items
  • 30 extra days for returns
  • Exclusive deals and early access offers
  • No annual fee

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5% off eligible purchases at Target and

Introductory Bonus

  • $40 off a future qualifying purchase of $100 or more after account approval (coupon expires 10/15/19) (until 9/14/19)
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 25.15% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $28
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.

  • Exclusive Extra Savings

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

  • Starbucks Discount

    Save 5% when you use your REDcard at Target in-store Starbucks locations.

  • Gift Card Discount

    Save 5% on speciality gift cards for travel, restaurants, movie tickets and more.

  • 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 Marissa
Worse than I thought

The 5% doesn't help any. I've had issues with statements for the past year and I feel like customer service is not super helpful in helping you understand. It feels shady. I'm just not gonna use this card any longer once it's paid off. I feel like I'm overpaying on this credit card.

by Michelle

It was nice getting the 5% off, but it's a hassle to check your balance, find your statements, and make payments! I had a payment scheduled to arrive by the due date and it arrived 1 day after the due date. I was charged a late fee of $27 and interest!!!! Another issue is you end up spending more money at Target even though it's a "discount card". Guess what, 5% off is less than saving sales tax on purchases. I have a high credit score and got a surprisingly low balance & they never increased by balance despite paying on time for TWO years. Wish there was an app to check and pay my bill on the go like every other credit card. I ended up cancelling the card because of the aggravation.

by kitty

i love target and loved my 5% discount with the redcard and the crazy clearance prices on food and clothing. recently i bought a harry potter lamp for $10. i bought a fancy skin care gift box for $7. but today i got a check return (after i paid days in advance) and a service charge - which customer service refused to reverse. gonna close this card soon since they dont want to keep my business..

by philip
didn't receive statement

They neglected to send a statement in Nov and Dec 2018, I finally figured something was wrong when the card was declined. I immediately paid the amount in full, but not before they reported the account delinquent and took 80 points off my credit score. Apparently, they changed their system in Sep 2018 and this is a common complain on other forums.

by Mandi
Only store card worth having

I typically steer away from store cards, but Target is the exception. I love my red card! I love that i get 5% back on everything, I love that I get free 2-day shipping, and I love how easy their online system is. It's easy to make payments, easy to set up online auto-pay and easy to manage my account. I feel like my card is safe, secure, and I trust that customer service will take care of me (as their general customer service has thus far).Target doesn't have a lot of crazy deals like other stores, but I feel like that's because Target's pricing is typically more fair. They aren't marked up like crazy in order to have those wild sales. I'd rather have decent prices on items I can trust than the "rush of a great sale" that is overpriced anyway. Happy with my card!

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