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Target REDcard™ Credit Card

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Our rating
Credit range: Fair
Annual Fee: $0
Regular APR: 25.15% Variable

Target REDcard™ Credit Card

Our rating
Fair Credit range
$0 Annual Fee
Apply Now Read our Review

Highlights & Features


  • 5% off eligible purchases at Target and


$40 off a future qualifying purchase of $100 or more after account approval (until 9/14/19)

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 None
Regular Balance Transfer APR None
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $28
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
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 None
Cash Advance Fee None
How to Get a Cash Advance with a Credit Card
Target REDcard™ Credit Card


  • 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

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.

If you apply 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. Your coupon will expire on October 15th, 2019.

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.

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.