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2020 Review: Target REDcard™ Credit Card and Target REDcard™ Debit Card

Updated Nov 11, 2020 | Published Nov 09, 202015 min read

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Target REDcard™ Credit Card

Min Credit Level No credit check required
Annual Fee $0
Regular APR 24.40% Variable

Target REDcard™ Debit Card

Min Credit Level No credit check required
Annual Fee $0
Regular APR Not Applicable - Debit Card
At a glance

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 Discover it® Cash Back, Journey Student Rewards from Capital One, Walmart Rewards Mastercard, 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.

Our Rating: 4 Out of 5 Stars

We give both the Target REDcard™ Credit Card and the Target REDcard™ Debit Card 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.

Why We Like Them

  • 5% automatic discount at Target
  • Free two-day shipping on eligible items from Target.com, with free standard shipping for everything else
  • 30 extra days to make returns on eligible items
  • Exclusive offers and early access deals
  • 10% off coupon every year on your anniversary
  • No annual fees

Why They Could Be Better

  • They can only be used at Target, and at retailers within Target stores
  • Some purchases are excluded from the 5% discount
  • Some purchases are excluded from the extended return benefit

Target REDcard™ Credit Card

Our rating
Min. credit levelNo credit check required
Details
Annual Fee$0
Regular APR24.40% Variable
Apply Now

securely on the issuer's website

  • 5% off every day at Target & Target.com.*
  • Free 2 day shipping on hundreds of thousands of items at Target.com.*
  • 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 Target.com/redcard for benefits and program rules

Target REDcard™ Debit Card

Our rating
Min. credit levelNo credit check required
Details
Annual Fee$0
Regular APRNot Applicable - Debit Card
Apply Now

securely on the issuer's website

  • 5% off eligible Target purchases
  • Free two-day shipping at Target.com for eligible items
  • 30 extra days for returns
  • Exclusive deals and early access offers
  • No annual fee
  • Debit card, not a credit card
  • Links to your existing checking account (purchases generally take 2-3 days to process)
  • Cash withdrawal of up to $40 at checkout

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?

Then one of the Target REDcards might be right for you. This is a review of the two reward cards currently offered by Target: the Target REDcard Credit Card and the Target REDcard Debit Card.

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.

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.

Keep reading to learn more about the Target REDcards, and find out if you should apply for one today.

Insider tip

There’s reportedly a Mastercard version of the Target REDcard Credit Card, known as the Target REDcard Mastercard. Some people report being upgraded to the Mastercard after using the card for some time. The Mastercard version can be used anywhere Mastercard is accepted, though it reportedly only earns rewards at Target.

Insider Advice: How to Get the Most Out of Your Card

  • Save money at Target: Use your REDcard to get an automatic 5% discount when shopping at Target, Target.com, or Starbucks stores located within Targets. Keep in mind that certain purchases won’t get the discount.
  • Sit back and relax with free delivery: You’ll get free two-day shipping on eligible items from Target.com, with free standard shipping for everything else.
  • Take time to decide with extended returns: You’ll get 30 extra days to make returns, which should give you plenty of time to decide if you want to keep your purchases or not.
  • Keep an eye out for coupons and discounts: Watch for the exclusive offers, special items, and early access deals you’ll get as a REDcard user.
  • Look forward to your cardmember anniversary: Sign up for Target marketing emails to get a 10% off coupon by email on your account anniversary.
  • Use a PIN instead of signing for purchases: You’ll need to enter a PIN when making purchases instead of signing. You’ll be asked to create a PIN when you activate the card, and can reset it online or by calling customer support.
  • Expect targeted marketing: Target will use your purchase data with these cards to improve its customer profile of you, so don’t be surprised to see some uncannily accurate ads.
  • Build up your credit: Store cards are usually easier to qualify for than other reward cards, so you can use the REDcard Credit Card to improve your credit scores by using it responsibly and always paying on time (the debit card can’t be used to build credit).

Where Can I Use the Target REDcards?

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.

Insider tip

There are also two other Target cards, but they’re both discontinued for new applicants. There’s the Target Mastercard, which can be used anywhere Mastercard credit cards are accepted. And then there’s the Target Prepaid REDcard from American Express, which could only be used at Target.

The Rewards

Spending Discount
  • 5% discount at Target and Target.com

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.

Which Purchases Qualify for 5% Off?

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:

  • Previous purchases made before getting the card
  • Prescriptions, over-the-counter items located behind the pharmacy counter, and clinic services at Target
  • Target Optical™ eye exams (Target Optical products, such as glasses and contact lenses, do receive the 5% discount)
  • Certain restaurant merchants in Target stores, such as D’Amico & Sons Italian Kitchen and Pret A Manger
  • Shipt membership fees
  • Gift wrap and shipping and handling charges on Target.com purchases
  • Wireless protection program purchases and deposits required by a mobile carrier
  • Target gift cards and prepaid cards, and Stockpile, Gift of College, and lottery gift cards
  • Target credit account payments, Target Debit Card cash back and cash advances on the Target Mastercard
  • Where otherwise prohibited by law

The Benefits

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.

  • Free two-day shipping: 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.
  • 30-day extended returns: Cardholders will get an additional 30 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 extension does not apply to Target Optical purchases, or any items designated non-returnable.
  • Anniversary bonus savings: 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.
  • Early access offers: REDcard users will occasionally receive early access offers to Target events, promotions, and sales. These offers may be based on your previous purchases and location.
  • Exclusive extras: 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.
  • Load in the Target mobile wallet: 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.
  • Chip-and-PIN capability: 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 (unless you’re using a mobile wallet), rather than providing your signature.

The Terms & Fees

Card Purchase APR Balance Transfer APR Cash Advance APR
Target REDcard™ Credit Card 24.40% Variable None None
Target REDcard™ Debit Card Not Applicable - Debit Card Not Applicable - Debit Card None
Card Annual Fee Foreign Transaction Fee
Target REDcard™ Credit Card $0 None
Target REDcard™ Debit Card $0 None
Card Balance Transfer Fee Cash Advance Fee
Target REDcard™ Credit Card None None
Target REDcard™ Debit Card None None
Card Penalty APR Late Fee Returned Payment Fee
Target REDcard™ Credit Card None Up to $40 Up to $29
Target REDcard™ Debit Card None None Up to $40

This section shows the real differences between these cards.

As you can see, the credit card is pretty limited — you’ll be able to make purchases from Target, but that’s it. You can’t use it for balance transfers or cash advances. It has a pretty typical interest rate for store credit 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.

Purchases with the debit card will withdraw funds directly from your bank account, while purchases with the credit card will reduce your available credit.

The Bottom Line

If you’re a loyal Target customer, the Target REDcard™ Credit Card or Target REDcard™ Debit Card could save you quite a bit of money at the end of the day.

These cards are pretty simple and easy to understand. Since there’s no annual fee, think about the four main features these cards offer:

  • 5% off at Target and Target.com
  • Free two-day or standard shipping at Target.com
  • 30 extra days for returns
  • Exclusive discounts and early access offers

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 it can help you improve your credit scores, when you use it responsibly, but it also means 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.

How Do I Apply for the Target REDcards?

Follow the link below for the credit card and this link for the debit card. Both will take you to Target’s website. From there, you can apply now by filling out an application, and you should hear back pretty quickly about the credit card issuer’s decision.

What Credit Scores Do I Need to Qualify for the Target REDcards?

It’s recommended that you have fair credit for the Target REDcard™ Credit Card. For the Target REDcard™ Debit Card, however, there won’t be a credit check because it’s a debit card.

To qualify for fair credit, your credit scores would need to be within the ranges of 580–669 for FICO and 650–699 for VantageScore.

However, there are other factors that weigh into the decision. Credit card issuers look at things like income and source of income. This additional information could lead to your approval even if your scores are lower than what’s recommended.

But that also means even if your scores are high enough, you could still be denied.

Qualifications and Requirements

  • Must be 18 to apply
  • Personal information: Name, date of birth, Social Security number
  • Address and contact information: Home address, phone number, email address
  • Financial information: Total annual income

Target REDcard™ Credit Card

Our rating
Min. credit levelNo credit check required
Details
Annual Fee$0
Regular APR24.40% Variable
Apply Now

securely on the issuer's website

  • 5% off every day at Target & Target.com.*
  • Free 2 day shipping on hundreds of thousands of items at Target.com.*
  • 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 Target.com/redcard for benefits and program rules

Target REDcard™ Debit Card

Our rating
Min. credit levelNo credit check required
Details
Annual Fee$0
Regular APRNot Applicable - Debit Card
Apply Now

securely on the issuer's website

  • 5% off eligible Target purchases
  • Free two-day shipping at Target.com for eligible items
  • 30 extra days for returns
  • Exclusive deals and early access offers
  • No annual fee
  • Debit card, not a credit card
  • Links to your existing checking account (purchases generally take 2-3 days to process)
  • Cash withdrawal of up to $40 at checkout

Frequently Asked Questions

How do I log in to my Target REDcard account?

To log in to your Target REDcard account, find your way to Target’s website, click on the sign-in box up top, and then sign in. From there, you can enter your login information, and gain access to your account. From your account page you can pay your bill and take advantage of your card features.

How can I make a Target REDcard payment?

There are several ways to make payments to your REDcard credit card: Online, in-store, by phone, or by mail.

We recommend making online payments because it’s usually the quickest and easiest method.

Online

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.

In-Store

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.

By Phone

Payments can be made by phone by calling 1-800-424-6888.

By Mail

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

What’s the difference between the Target REDcard credit card and debit card?

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 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 above.

Insider tip

Although these cards are basically the same, we generally recommend picking credit cards over debit cards, as long as you’ll use them responsibly. Learn more about why you might want credit cards over debit cards here.

What is the credit limit of the Target REDcard?

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.

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Alternatives to the Target REDCard Credit Card and Debit Card

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.

Citi® Double Cash Card - 18 month BT offer

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securely on the issuer's website

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securely on the issuer's website

  • Min. credit levelExcellent
  • Annual Fee$0
  • Regular APR13.99% – 23.99% (Variable)

The Citi® Double Cash Card – 18 month BT offer (Review) is the best flat-rate rewards credit card available, making it excellent for all those purchases that aren’t covered by bonus categories on other cards. If you do a variety of shopping and need a card to earn rewards anywhere, this is the one for you.

While the REDcards provide Target-related benefits, the Double Cash provides a decent selection of general benefits, along with a few other perks.

Spending Rewards
  • 2% cash back for every purchase you make (must pay at least the minimum due to earn rewards)
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase

This is a very simple rewards program, providing 2% back for every purchase no matter where you are.

The REDcards provide a better discount at Target, but only at Target. A good strategy could be to combine one of the REDcards with this card; you can use the REDcard whenever you shop at Target, and the Double Cash everywhere else. Or, if you rarely shop at Target, you may prefer to just use the Double Cash.

  • Personal concierge service: Call 1-800-508-8930 to speak with your own personal assistant, for help with all kinds of non-emergency tasks.
  • Citi Private Pass: Get preferred access and presale tickets to select events and experiences, including music, sports, dining, and theater.
  • Free FICO credit score: Keep tabs on your FICO Score 8, based on your Equifax credit report.
  • Quick customer service: Call customer support and say “representative” to be connected with a human rep more quickly than usual.
  • Account protections: Including Identity Theft Solutions and Fraud Protection
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable)
  • Annual fee: $0
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Discover it® Cash Back

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APRSee Terms

Rather than providing a set reward for certain purchases, the Discover it® Cash Back (Review) offers rotating cash back categories that change every three months. It could be a good alternative or addition to a REDcard if you’ll spend in the quarterly categories.

You’ll earn 5% back at a wide variety of retailers (on up to $1,500 spent per quarter, then 1%, with activation required), often including Target itself, every year (just as much as the Target REDcards, but not limited to Target).

Discover cards don’t offer much when it comes to benefits, although they do have a few — most of the value comes from the rewards with this card. You’ll get more cost-saving perks with the Target card, but those are all limited to Target.

Spending Rewards
  • 5% cash back on the first $1,500 spent per quarter, in categories that rotate throughout the year (see calendar below, activation required)
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • Cashback Match: Get double cash back for the first year, provided at the end of the first year

The calendar for 2020 is:

Quarter 5% Categories
January – March Grocery Stores, Walgreens, CVS
April – June Gas Stations, Uber, Lyft, Wholesale Clubs
July – September Restaurants, PayPal
October – December Amazon.com, Target.com, Walmart.com

Discover will double the rewards you earn in the first year with the card, and that means you’ll get a cash back equivalent of 10% in the bonus categories, and 2% everywhere else. Those are excellent rates, with 10% being a very high rate when it comes to reward credit cards.

Target offers a vast selection of merchandise, and you can get many of the same products from the retailers included in the Discover it’s categories (like grocery stores, Amazon.com, and Walmart.com). So, even when Target purchases aren’t earning you 5% back, you could use the Discover it instead of a REDcard to get the same 5% rate on many of the same purchases.

You could always use these cards in combination, too. Use a Target REDcard whenever you’re shopping at Target, obviously. And then use the Discover it for the retailers included in the current 5% category.

But remember that you get double cash back during the first year with the Discover it, so be sure to maximize your rewards by using the Discover card over the REDcard when the Target cash back option is in effect.

  • Free FICO Credit Scorecard: Check your FICO Score 8 for free whenever you’d like, based on your TransUnion credit report, with tips for improving your credit scores.
  • Cash at CheckoutGet cash back immediately by charging an additional amount over your purchases when shopping at participating locations. This will be counted as part of the purchase, rather than as an expensive cash advance.
  • Fraud Protection: Discover will proactively monitor your account for fraud, and alert you if any unauthorized activity is detected.
  • Social Security number alerts: Discover will alert you if it finds your SSN being used on any thousands of risky websites.
  • Refer a friend: Refer your friends to get Discover cards and you’ll get a $50 statement credit bonus for each approval (they can get a $50 statement credit bonus too). You can refer up to ten friends per year.
  • Freeze It: Instantly freeze and unfreeze your account to prevent unauthorized purchases, balance transfers, and cash advances.
  • Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
  • Annual fee: $0

Journey Student Rewards from Capital One

  • Min. credit levelLimited Credit History
  • Annual Fee$0
  • Regular APR26.99% (Variable)

Maybe you want the Target REDcard Credit Card because you’re trying to build up your credit — since store cards are relatively easy to qualify for, the REDcard might be attractive for this purpose. But there are other no-annual-fee rewards cards that you may qualify for as well, like the Journey Student Rewards from Capital One (Review).

Despite the name, you don’t need to be a student to apply for this card — it’s open to anyone.

You won’t earn much cash back with this card, just 1.25% at the most. This is much less than the 5% off you’ll get with the REDcards, although the Journey Student can be used anywhere credit cards are accepted so it gives you more spending power.

The Journey Student comes with some standard benefits, which aren’t too bad for a card designed for average credit.

Although you won’t get anything like the REDcard benefits, such as free two-day shipping or extra discounts, you will have some general shopping and travel protections that apply to eligible purchases from any store. And you’ll also get easy access to a higher credit line, a handy benefit on cards made for average credit, especially compared to the low credit lines usually given with store cards.

Spending Rewards
  • 1% cash back on all purchases
    • Pay on time and that goes up to 1.25% cash back

Even if you don’t have the best credit, you may qualify for both the Journey Student and a Target REDcard Credit Card. That would let you get 5% off at Target, and up to 1.25% cash back everywhere else. Or, if you can’t qualify, you may need to go with the REDcard Debit Card.

  • Access a higher credit line: You may be automatically considered for a higher credit line after six months.
  • Capital One CreditWise: Monitor your VantageScore 3.0, based on your TransUnion credit report. You can also check data from your TransUnion report for free, a rare feature. This service is available to everyone, cardholder or not.
  • Extended Warranty: Eligible manufacturer’s warranties of three years or less can be doubled, up to an additional year.
  • Auto Rental Collision Damage Waiver: Provides coverage against damage and theft of eligible rental vehicles, as long as the rental company’s insurance is declined.
  • Travel and Emergency Assistance: Call for help finding local emergency services, like medical and legal referrals.
  • Travel Accident Insurance: Up to $100,000 in coverage against accidental loss of life, limb, sight, speech, or hearing when traveling by common carrier.
  • Purchase and Balance Transfer APR: 26.99% (Variable)
  • No foreign transaction fee
  • Annual fee: $0

Costco Anywhere Visa® Card by Citi

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  • Min. credit levelExcellent
  • Annual Fee$0 (Costco membership required)
  • Regular APR15.24% (Variable)
  • 4% cash back at Gas stations, including Costco gas stations, on the first $7,000 spent per year
  • 3% cash back on Dining and Travel
  • 2% cash back on all other purchases from Costco and Costco.com
  • Costco membership required
  • Annual fee: $0 (Costco membership required)
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi’s discretion.

BJ’s Perks Elite™ Mastercard

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securely on the issuer's website

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securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR16.74%–26.74% Variable
  • 5% cash back on eligible purchases at BJ’s and BJs.com
  • 2% cash back at Restaurants and non-BJ’s gas stations
  • 10 cents off per gallon at BJ’s gas stations
  • BJ’s membership required
  • Annual fee: $0
  • Earn 5% cash back on purchases at BJ’s and BJs.com
  • Earn 2% cash back on gas and dining outside of BJ’s locations
  • Earn 1% cash back on all other purchases
  • 10¢ off every gallon when buying fuel at BJ’s; purchases made at BJ’s Gas accrue rewards
  • No annual fee

 

Walmart Rewards Mastercard

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  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR17.99%–26.99% Variable
  • 5% cash back for using Walmart Pay in stores for the first 12 months
  • 5% cash back on all purchases at Walmart.com
  • 2% cash back on Walmart purchases in stores (after the first 12 months), on Restaurants, and on Travel
  • Annual fee: $0
  • 5% cash back for using Walmart Pay in stores for the first 12 months
  • 5% cash back on all purchases at Walmart.com
  • 2% cash back on Walmart purchases in stores (after the first 12 months), on restaurants, and on travel
  • Redeem rewards at any time
  • No foreign transaction fee
  • No annual fee

Sam’s Club® Mastercard®

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securely on the issuer's website

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securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR16.65%–24.65% Variable
  • 5% cash back at Gas stations, on the first $6,000 spent per year
  • 3% cash back on Dining and Travel
  • $45 statement credit when you spend $45 or more at samsclub.com, the same day you open your account online
  • Sam’s Club membership required
  • Annual fee: $0
  • 5% cash back for gas in the U.S. and Puerto Rico, including gas at Sam’s Club; only on the first $6,000 per year, then 1%
  • 3% cash back for dining and travel expenses
  • 1% cash back on all other purchases
  • Get a $45 statement credit if you open your account online and make a $45 purchase at samsclub.com on the same day
  • Cap of $5,000 in cash back rewards per year

My Best Buy® Visa®

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securely on the issuer's website

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  • Min. credit levelFair
  • Annual Fee$0 or $59 (depending on creditworthiness)
  • Regular APR25.24% Variable (11.90% Fixed for select purchases)
  • 5% cash back at Best Buy, or special financing options
  • 3% cash back at Gas stations
  • 2% cash back at Restaurants
  • 10% back in rewards on your first day of purchases, within 14 days of opening the account
  • Annual fee: $0 or $59 (depending on creditworthiness)
  • 5% back in rewards at Best Buy OR deferred financing on purchases of $199 and higher.
  • Additional bonus categories for eligible purchases
  • 1% back in rewards on all other purchases
  • Points don’t expire as long as your account is active
  • Spend $3,500 per year to reach Elite Plus status and earn 1.25 points per $1 spent at Best Buy
  • Reward Certificates are emailed when you reach 250 points
  • Choose between rewards or special financing offers
  • Annual fee of $0 or $59, depending on creditworthiness

TJX Rewards® Platinum Mastercard®

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securely on the issuer's website

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securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR26.99% Variable
  • 5X points per dollar at TJ Maxx and affiliated brands
  • 10% off the first in-store purchase
  • Exclusive access to deals and special shopping hours
  • “Surprise and Delight” benefits
  • Annual fee: $0
  • Earn 5X points per dollar spent at T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post
  • Earn 1X point per dollar spent on all purchases
  • 10% off your first purchase in-store
  • Be the first to hear when fresh finds arrive through your email
  • There is no limit to the amount of rewards you can earn
  • $10 rewards certificate: redeem 1,000 points for a $10 rewards certificate
  • No annual or foreign transaction fees

Gap Visa

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securely on the issuer's website

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securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Regular APR25.99% Variable
  • 5X points per dollar at Gap and affiliated brands
  • Free shipping and 20% off your first purchase
  • Extra 10% off on select purchases
  • Access to special events, exclusive discounts, and bonus point shopping days
  • A special birthday gift
  • Annual fee: $0
  • Earn 5X points per dollar spent on the Gap and affiliated brands, both in-store and online
  • Earn 1X point per dollar spent on all other purchases
  • 20% off your first Gap purchase using your card
  • 10% off every time you shop at the Gap
  • Earn a $5 reward every time you earn 500 points
  • 20% quarterly bonus reward points at the end of each quarter if you earn 5,000 points in a calendar year and achieve Silver status cardmembers
  • Free basic alterations at Banana Republic and for Gap Silver cardmembers
  • No receipt needed for returns

Amazon Prime Rewards Visa Signature Card

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securely on the issuer's website

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securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Regular APR14.24% to 22.24% Variable
  • 5% cash back at Amazon.com and Whole Foods Markets
  • 2% cash back at Gas stations, Restaurants, and Drug stores
  • $70 Amazon.com Gift Card instantly upon approval
  • Amazon Prime membership required (if you don’t have a Prime membership you’ll receive the Amazon Rewards Visa Signature Card (Review))
  • Annual fee: $0
  • Requires active Prime membership
  • Cash back can be redeemed for statement credits or at Amazon.com checkout
  • Earn 5% back at Amazon.com and Whole Foods Market
  • Earn 2% back at gas stations, restaurants, and drugstores
  • Earn 1% back on all other purchases
  • Get a $70 Amazon.com Gift Card instantly upon credit card approval

Target REDcard™ Credit Card

Our rating
Min. credit levelNo credit check required
Details
Annual Fee$0
Regular APR24.40% Variable
Apply Now

securely on the issuer's website

  • 5% off every day at Target & Target.com.*
  • Free 2 day shipping on hundreds of thousands of items at Target.com.*
  • 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 Target.com/redcard for benefits and program rules

Target REDcard™ Debit Card

Our rating
Min. credit levelNo credit check required
Details
Annual Fee$0
Regular APRNot Applicable - Debit Card
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securely on the issuer's website

  • 5% off eligible Target purchases
  • Free two-day shipping at Target.com for eligible items
  • 30 extra days for returns
  • Exclusive deals and early access offers
  • No annual fee
  • Debit card, not a credit card
  • Links to your existing checking account (purchases generally take 2-3 days to process)
  • Cash withdrawal of up to $40 at checkout

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!

Written by

Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

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The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.