Skip to content

Target REDcard™ Credit Card

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

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

Rewards

  • 5% off eligible purchases at Target and Target.com

INTRODUCTORY BONUS

$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

Fees

Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $28
Additional Cards Annual Fee None
Foreign Transaction Fee None

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
ABOUT THE ISSUER

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
Target REDcard™ Credit Card

Highlights

  • 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 Target.com for eligible items
  • 30 extra days for returns
  • Exclusive deals and early access offers
  • No annual fee

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.

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.