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Do you find yourself back at Target every other day? Does this article already have you thinking about taking another trip to see what’s on sale?
The first is a regular credit card, which you can use to make purchases that you’ll pay for later on. The second is a debit card which connects to your checking account, and purchases are paid for by withdrawing directly from your account (just like a check).
Both of these cards offer 5% off on Target purchases and several other benefits, including free two-day shipping and 30-day extended returns. The only real difference is that one is a credit card while the other is a debit card.
We usually don’t recommend store cards, because they tend to have poor customer support and low credit limits, and there are often better general-use reward credit cards available. But if you consistently spend a lot of money at Target, one of these cards could be the best choice for you. Store cards are also easier to qualify for than most other cards, so if you have poor or limited credit they could be a good option to try.
Keep reading to learn more about the Target REDcards, and find out if you should apply for one today.
We give both of the Target cards 4 out of 5 Stars, which is better than most retail store cards. They get high marks for their discounts and benefits, without any major downsides.
The Target REDcard Credit Card and Debit Card are surprisingly valuable when it comes to store cards, without making you jump through hoops to access the discount or benefits. But you still may prefer other cards for Target shopping, and if you want to shop anywhere else you can’t use these cards. Take a look at some alternative card picks below.
The Target REDcard credit and debit cards can only be used at Target and Target.com.
The cards 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 the list below for a full description of purchases that do not qualify.
There are several ways to make payments to your REDcard credit card:
We recommend making online payments because it’s usually the quickest and easiest method.
Just sign in to your online account here, go to the “Payment Information” tab, and then select “Schedule a Payment.” You’ll be guided to select either a connected checking or savings account to provide the funds.
Payments can be scheduled up to 30 days in advance.
Credit card payments can be made at Target stores at the Guest Services counter. You’ll need to provide your card or a billing statement so the associate can look up your account.
Payments can be made by phone by calling 1-800-424-6888.
If you need to go the old fashioned route, payments can be mailed by sending in the stub at the bottom of your billing statement. If you can’t send in the stub you can include your account number instead.
Payments can be mailed to:
Target Card Services
P.O. Box 660170
Dallas, TX 75266-0170
There is only one difference between the REDcard Credit Card and the REDCard debit card: one is a credit card, while the other is a debit card.
The credit card works just like any other credit card — you make purchases with it, and then pay off the balance later on. You’ll have a certain credit limit that you can make purchases up to, before the card needs to be paid off. As a credit card, this account will show up on your credit reports and affect your credit scores.
You can pay off your purchases over time with the credit card, but we strongly advise against doing this because you’ll accrue interest at a very high rate. This will negate all the savings you get with these cards, so be sure to avoid carrying a balance from month to month. Instead, always pay your full statement balance when you get your bill to avoid interest.
The debit card, on the other hand, will connect to your personal checking account, and it will draw money directly from that account to pay for purchases. This account will not show up on your credit reports, and it will have no effect on your credit scores. You can’t use the debit card to improve your credit.
When you apply for the credit card, your credit reports will be hit with a hard inquiry to check your creditworthiness. The debit card does not require a credit check to apply. You must be 18 to apply for the credit card, but you only need to be 16 to apply for the debit card.
Both cards provide a 5% discount at Target, and they each have all the benefits listed below.
The Target REDCard credit and debit cards each offer the same 5% discount for eligible purchases from Target and Target.com. Starbucks stores located within Targets are included as well, but other restaurants and certain Target purchases will not qualify for the discount.
Although Target gift cards and prepaid cards are not eligible for the discount, you will get 5% off for many other store and specialty gift cards.
The 5% off will usually be added to any other savings you get, such as subscription deals or discounts through the Cartwheel coupon program.
Take note that the 5% off is provided immediately when making the purchase, rather than being awarded as cash back rewards like you’d get with a cash back credit card. So you don’t have to worry about redeeming anything, you’ll just automatically get the discount as you shop.
You may also receive an introductory bonus offer when you apply for this card, like $25 off a future purchase of $100 or more. These promotional offers are not always available, and you may find different offers online and in store.
You’ll get 5% off on all purchases from Target, Target.com, and Starbucks cafes located within Target stores, with the exception of the purchases below.
The 5% discount does not apply to the following purchases and services:
You’ll get the same set of extra benefits with each card, which could help frequent Target shoppers save quite a bit of money through free shipping and sales.
Get free two-day shipping on eligible purchases from Target.com. The order cutoff time is usually 12 p.m. local time in the destination to which you’re shipping.
Thousands of items are eligible for two-day shipping, but not all. Free standard shipping will be provided for any items that don’t qualify for two-day shipping.
Cardholders will get 30 extra days to make returns on purchases made with a REDcard. Most Target items have a return window of 90 days, so this would extend that to 120 days. But keep in mind that some items, like electronics, may have different return policies.
This return extension will not apply to:
Sign up for Target marketing emails to receive a 10% off coupon for Target purchases by email on your account anniversary. If you don’t sign up for marketing emails, you won’t get these coupons.
REDcard users will receive occasional early access offers to Target events, promotions, and sales. These offers may be based on your previous purchases and location.
For example, a current early access offer is a selection of holiday-themed merchandise from the Hearth & Hand with Magnolia brand.
Cardholders will get opportunities for exclusive deals and discounts, only available when purchasing with a REDcard. Quantities are sometimes limited, and each REDcard user will usually be able to purchase a limited number of each item.
A couple of example offers are a 2-pack of JoJo Siwa Bow hair clips, and an Incredibles 2 bundle that includes a pre-order of Incredibles 2 along with a limited edition Jack-Jack action doll.
You can add your REDcard credit or debit card to the Target mobile app, where you can use it for Target purchases. This is also an easy way to find early access and exclusive REDcard offers.
The Target REDcard credit and debit cards each use Chip-and-PIN technology for better security. That means you’ll need to enter a PIN to make purchases at Target, rather than providing your signature (unless you’re using a mobile wallet).
You’ll be asked to create a PIN after activating your card. If you ever lose your PIN and need to reset it, you can do so through your online account or by calling the number on the back of your card.
|Card||Purchase APR||Balance Transfer APR||Cash Advance APR|
|REDcard Credit Card||24.65% Variable||24.65% Variable||None|
|REDcard Debit Card||Not Applicable - Debit Card||Not Applicable - Debit Card||None|
|Card||Annual Fee||Foreign Transaction Fee||Balance Transfer Fee||Cash Advance Fee|
|REDcard Credit Card||$0||None||None||None|
|REDcard Debit Card||$0||None||None||None|
|Card||Penalty APR||Late Fee||Returned Payment Fee|
|REDcard Credit Card||None||Up to $39||Up to $28|
|REDcard Debit Card||None||None||Up to $40|
This section shows the real differences between these cards.
The debit card only has two categories to consider: the annual fee (which is $0) and the returned payment fee, which can be applied if your checking account doesn’t have enough funds to cover a purchase.
You can check the terms and conditions of either card yourself here:
Your credit limit for the Target REDcard Credit Card will be determined based on your creditworthiness, including credit scores and income. Don’t expect a very high limit, because store cards are known for providing relatively low credit lines.
These cards are pretty simple and easy to understand. Since there’s no annual fee, think about the four main features these cards offer:
Do these perks sound great to you? Would they make your life a bit easier, and save you some cash over time?
If so, next ask yourself if you’d rather have the credit card or the debit card. The credit card will let you pay over time, but you’ll get hit with the very high APR if you revolve your balance from month to month. We recommend always paying off your full statement balance on time every month, so you can avoid interest and forget all about the APR.
The credit card will also affect your credit, so keep that in mind. This means that it can help you improve your credit scores, when you use it responsibly, but it also means that it can hurt your credit if you use it irresponsibly.
The debit card won’t affect your credit at all, for good or for ill. So if you’d rather not worry about paying off another credit card or you can’t get approved, you can go with the debit card and have the money taken directly from your checking account.
The REDcards are some of the better store cards available, with a solid discount and decent, easy-to-use perks. But you may want some general-use credit cards instead of (or in addition to) a REDcard, or maybe a different store-branded card. Check out some of those alternative cards below.
One of the Target REDcards could be a perfect fit if you do a lot of shopping at Target. But if you tend to shop at a variety of stores, or you’re thinking of switching your brand loyalty from Target to a different retailer, you should consider some other cards as well — either in addition to or instead of a Target REDcard.
The information related to Costco Anywhere Visa® Card by Citi has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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Do you use either of these cards? How do you like it? Leave your own review of the Target REDcard Credit Card or Target REDcard Debit Card below, we’d love to hear from you!
The Target REDcard credit and debit cards offer 5% discounts at Target and Target.com, plus perks like free shipping and an extended return period, to create two compelling retail card offers.
Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.
The information related to Costco Anywhere Visa® Card by Citi and My Best Buy® Visa® have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
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