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Target REDcard™ Credit Card

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If you, like many people, find yourself at Target more than once a week, the Target REDcard Credit Card might be a welcome addition to your wallet. You’ll get 5% off Target purchases and access to exclusive benefits like free two-day shipping and 30-day extended returns.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 24.40% Variable

Target REDcard™ Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


Spending Rewards
  • 5% off eligible purchases at Target and

Balance Transfers

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

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee Up to $29
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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™ Credit Card


  • 5% off every day at Target &*
  • Free 2 day shipping on hundreds of thousands of items at*
  • Early Access to products and promotions*
  • Exclusive Extras including special items and offers*
  • Starbucks discount on in-store locations – get everyday 5% savings when you pay with your REDcard*
  • Cartwheel – save 5-50% on hundreds of items in store & get everyday 5% savings when you pay with your REDcard*
  • Target Subscriptions – save 5% on everyday essentials delivered on your schedule when you subscribe, plus get everyday 5% savings when you pay with your REDcard*
  • Get everyday 5% savings on specialty gift cards when you pay with your REDcard*
  • Target Wallet, easy and fast checkout. Use Wallet in the Target app to save with Cartwheel and pay with REDcard by scanning your phone at check out in store.
  • *Some restrictions apply. See for benefits and program rules

TD Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-424-6888 or

Try a different phone number

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.

This card has no annual fee.

There’s 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.

Insider tip

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 Target Mastercard is only for previous Visa cardholders — new applications are not being accepted at this time.

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