WalletHub Rating
3.7/5
The Target Credit Card is a good credit card that’s worth it for anyone with fair credit or better who regularly shops at Target. The Target RedCard, as it’s also known, has a $0 annual fee and offers 5% discount back on all Target purchases, including those made at Starbucks locations within Target stores. Info about the Target Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.7/5
1,064 reviewsRead and write reviews
Editor’s Review
5.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.4
Cost
3.3
Other Features
0.0
3.5/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
29.95% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get $50 off a future qualifying purchase over $50 when approved for a credit, debit or reloadable RedCard.
Save 5% when you use your Redcard in-store or online at Target, at any in-store Starbucks location, specialty gift cards, shipt and drive up service.
Free 2-day shipping on hundreds of thousands of items at Target.com. Some market exclusions apply.
Extended returns for 30 extra days at Target or Target.com.
Exclusive extras, including special items and offers.
Target Credit Card's Additional Info
Access your Target Credit Card - check your credit card account balance, make a payment, and review past statements.
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Learn More
at TD Bank's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
September 12th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Target Credit Card Pros & Cons
No membership fees
$50 initial rewards bonus
Qualify with fair credit
High regular APR
Target Credit Card Review
5.0 / 5
The Target Credit Card is a good credit card that’s worth it for anyone with fair credit or better who regularly shops at Target. The Target RedCard, as it’s also known, has a $0 annual fee and offers 5% discount back on all Target purchases, including those made at Starbucks locations within Target stores.
Target Credit Card Review Highlights
Save 5% on most Target purchases
The Target Store Credit Card, also known as the RedCard, gives cardholders an indefinite 5% off sale on pretty much everything except pharmacy purchases, gift cards, wireless protection plans and a few other items. That’s a great deal, with the potential to save you hundreds of dollars per year, if Target is one of your favorite stores.
Don’t worry about yearly fees
The Target RedCard doesn’t charge an annual fee, which always makes it easier to justify opening a credit card just for purchases at a single store. This also saves you $22.22 compared to the average credit card, according to WalletHub’s latest Credit Card Landscape Report.
Enjoy 30 extra days for returns
Simply having a Target Credit Card gives you 30extra days to return purchases for a refund, on top of each item’s standard return window. That extra time could be a life-saver for someone with a busy schedule.
Get free shipping from Target.com
The Target RedCard makes it easier to shop online, thanks to the free standard shipping it gives you on all Target.com orders. So as long as you don’t need something at the last minute, you won’t have to pay extra for doing your shopping from home with a Target Card.
Qualify with “fair” credit
You only need “fair” credit to qualify for the Target RedCard, which means it’s possible to get approved with a credit score of just 620. You can see if you’re in the ballpark by checking your credit score for free on WalletHub.
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Target Credit Card Video Review
Compare The Target Credit Card vs. Popular Alternatives
 Target Credit Card |  Prime Visa |  Costco Anywhere Visa® Card by Citi |
|---|---|---|
3.7WalletHub Rating WalletHub Rating 3.7 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.7 Market Comparison 3.5 fees: 5.0 rewards: 3.4 cost: 3.3 Other Features: 0.0 | 4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 Market Comparison 4.3 fees: 5.0 rewards: 4.1 cost: 4.5 Other Features: 0.0 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR29.95% (V) | Regular APR20.49% - 29.24% (V) | Regular APR20.49% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Target Credit Card FAQ
Can't find what you are looking for? Submit your question about Target Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
Upvotes
How hard is it to get the Target Credit Card?
Reply
Chip Lupo, Credit Card Writer
@CLoop
It is not hard to get the Target Credit Card because you only need fair credit to qualify, which means you should have good approval odds with a credit score of 640 or higher. You also need to have a steady income, an SSN and a valid ID, which is standard.
Just keep in mind that even though it's not especially hard to get the Target Credit Card, you're still not guaranteed to be approved.
17
Upvotes
What credit score do you need for the Target Credit Card?
Reply
17
7
Maria Adams, Credit Cards Moderator
@m_adams
The Target Credit Card requires fair credit or better (640+ credit score) for good approval odds. When you apply for a Target Credit Card, the issuer will also consider your income, employment status, debts, housing information, and more.
Here are the Target Credit Card requirements for approval:
- Minimum credit score:640+ (at least fair credit)
- Age requirement:18 years old
- Income requirement:Enough to afford monthly payments (wages, investments, etc.)
- Citizenship: Must be a U.S....
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5
1
View more answers
16
Upvotes
How do I apply for the Target Credit Card?
Reply
16
Adam McCann, Financial Writer
@adam_mcan
The easiest way to apply for the Target Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to TD Bank's website. Alternatively, you can apply in store.
Keep in mind that the Target Credit Card requires fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...
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71
Upvotes
Where can I check my Target Credit Card balance?
Reply
71
39
WalletHub
@WalletHub
You can check your Target Credit Card balance online. Just make sure to enrollin online banking first. Alternatively, you can also check your balance over the phone at(888) 755-5856.
It is worth noting that easiest way to manage your account is by enrolling in online banking. In addition to checking your balance, you can also add cardholders, set card alerts, enroll in paperless credit card statements, and make or schedule your Target Credit Card payments.
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4
15
Upvotes
How can I check my Target Credit Card application status?
Reply
15
1
Maria Adams, Credit Cards Moderator
@m_adams
You can check your Target Credit Card application status by calling(800) 424-6888. You'll need to hang on the line until they ask for your account number multiple times. You will then be able to press “0” to get to a live customer service representative. At the moment, you cannot check your application status online.
Note that it may take up to 10 days to get a decision on your application. Once approved, you'll get your Target Credit Card...
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1
7
Upvotes
Does Target have a credit card?
Reply
7
Chip Lupo, Credit Card Writer
@CLoop
Yes, Target actually has two credit cards, the Target Mastercard and the store version of this card, the Target Credit Card. The Target Mastercard is accepted virtually anywhere credit cards are accepted, on the other hand, the Target Credit Card is only accepted at Target. There are a few things you should be aware of.
Target Mastercard vs. Target Credit Card
Category | Target Mastercard | Target Credit Card |
Ongoing Rewards | 5% discount on all Target purchases, 2% in rewards on dining and gas, 1% on all other purchases outside Target or Target.com | 5% discount at Target and Target.com |
...
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3
1
59
Upvotes
How do I increase my Target Credit Card credit limit?
Reply
59
36
WalletHub
@WalletHub
You can request a credit limit increase online, through the {Issuer Name} mobile app, or by calling customer service at . To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income {Issuer Name} has on file. {Issuer Name} will be more likely to increase your credit limit if the revised income clearly shows...
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15
5
View more answers
10
Upvotes
How do I cancel my Target Red Card?
Reply
10
Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
To cancel your Target Credit Card, call(800) 659-2396. Next, enter your account information and navigate through the menu until you are directed to a customer service representative. They'll then be able to cancel your Target Credit Card. At the moment, there is no way to cancel your account online.
Keep in mind that cancelling a credit card may hurt your credit score. So, take a look athow to navigate the processwith as little damage as possible to your score.
3
10
Upvotes
Does Target have a credit card?
Reply
10
Chip Lupo, Credit Card Writer
@CLoop
Target has a credit card known as the Target RedCard that can be used only at Target stores and online through the Target website. There's also a Target Mastercard credit card that works anywhere, which existing customers can upgrade to from the Target store credit card.
The Target Mastercard and the Target store card share many similar features, though. Both cards offer a 5% discount discount in-store and on the Target website. Both also provide free shipping on...
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1
1
Upvote
How can I log in to my Target Credit Card account online?
Reply
1
Brianne Larch, WalletHub Credit Card Analyst
@BrianneLarch
To log in to your Target Credit Card account, visit the login page on the Target website and enter your username and password in the appropriate fields. Then, click the “Sign In” button to access your online account. If you don't already have an account, you will need to start by creating one.
How to Log in to Your Target Credit Card Account
- Register your Target Credit Card for online account access. Visit the enrollment page and type your credit...
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2024 WalletHub Awards
Target Credit Card is an Editor's Pick for:
Best Back-to-School Credit Cards for Parents
Best Credit Cards For Shopping
Best Credit Card for Groceries
Best Credit Cards for Online Shopping
Show More
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Target Credit Card Reviews
Share your insights and review for the Target Credit Card
5
36%
4
32%
3
13%
2
6%
1
13%
3.7
1,064 reviews
1,064 reviews
What's Your Rating?
Most Recent
piege_piege
@piege_piege
1 Star Rating
The Target Red Card did not permit me to manage my account to pay my bills, and eventually, they sent my account to an agency that cannot update my statement balance on their automation after I made a payment. The same pattern occurs with the Target Red Card.
Comment
Neil Ma
@nemmacali
1 Star Rating
I called the 800 number and talked to Peter (who wouldn't give me his last name) and he said he was a supervisor. I was near my limit and asked what I could do to place another order. He said it would take 24-48 hours to process a payment. I then asked what would happen to my automatic payment if he processed the payment and he said it would be processed again. I asked if he could stop this and he said no. None of this makes sense. Hopefully, the call was recorded, and he will receive some more training.
Comment
Pa Ch
@patrick_23
1 Star Rating
Complete garbage. Applied online to get a discount, let me charge but wouldn’t give me the card number. Unable to set up an account without the complete card number. Takes two months to get card via mail, and by the time I set up an online account, I've already got late payment charges. The account won’t allow automatic payment setup. This is the worst credit card company I’ve ever dealt with. I'm happy to pay 5% more to never deal with them again.
Comment
Lisa Luna
@lluna5472
1 Star Rating
They do not want you to pay off your balance without penalizing you. I paid the entire bill and now my account is on hold for 15 days.
Comment
jeff White
@stollenwhite
1 Star Rating
Worst customer service I've ever encountered with a credit card, and a high interest rate to boot. Any time we have tried to make a large payment, they have held up the funds without actually crediting them to our account balance. In order to successfully pay, you must make multiple small payments or wait weeks for them to actually process the payments. Now they have closed our card after 23 years due to an error on their end. They never tried to pull funds from our bank and rejected payment twice, despite my having spoken to their agents multiple times and being assured everything was fine. Saving 5% is not worth the horrible service.
Comment
1
laineeraycarner8200
@laineeraycarner8200
1 Star Rating
Horrible! There has been fraud on my account since August, and no one has assisted me. It keeps affecting my credit and accruing interest. The first claim was submitted in August 2023. They told me it was sent to the wrong department, as it was filed as a dispute instead of fraud, so they didn't transfer it to the appropriate department. They declined it and sent me a letter. I then addressed the issues they outlined, which I did, and I've had to send that letter four times, yet they still haven't resolved the issue. It is now March 2024, and I have not received any help. I haven't spent any more money at Target since this incident, and I refuse to shop there anymore. I will be contacting the Better Business Bureau (BBB).
Comment
m_balian
@m_balian
I am going through the exact same thing with Target. I will be submitting a complaint of my own. I am also going to be contacting the BBB. I've called them multiple times and have not gotten a call back from them once. They said that I am responsible for a credit card payment I did not open - someone opened with an incorrect license number, target approved and now they are saying that I am responsible to pay. This is theft!
Comment
4
1
deborah kerak
@dkerak
1 Star Rating
Always paid on time, never late. For no reason, they lowered my credit limit, which hurt my credit score. Have had the card for many years.
Comment
Anthony
@park1850
3 Star Rating
You get 5% discount on total purchases. Lower priced than ripoff Walgreens for needed items and other related products. Convienent location
Comment
Rafael
@rafaeltorres0534
5 Star Rating
Excellent service ,Fast free delivery.Polos send to me very well design and comfortable suberp Color.Strong
Msterial.There was only one Flaw a low credit line
Comment
Marion Moss
@marionm_22
5 Star Rating
Good card to have for small purchases for Christmas, thanksgiving and Valentine’s Day. Will keep card for the time being. Baby cloths for girls are great bargain, there is not a lot of clothes for baby boys.
Comment
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