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
1,053 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.
show more
at TD Bank's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
December 13th, 2023
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 $21.64 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 even “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 |  Capital One Walmart Rewards® Mastercard® |  First Tech Choice Rewards World Mastercard® |
|---|---|---|
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 "." 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 "." 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 4.5 User Reviews 3.3 Market Comparison 4.3 fees: 5.0 rewards: 0.0 cost: 5.0 Other Features: 4.5 | 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 "." 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 4.5 User Reviews 3.2 Market Comparison 3.5 fees: 5.0 rewards: 0.0 cost: 3.4 APR: 3.5 Other Features: 5.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer$50 | bonus offerNone | bonus offer20,000 points |
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 APR18.99% or 29.99% (Variable) | Regular APR13.50% - 18.00% (V) |
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 card. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
How can I pay my Target RED card?
20
Upvotes
Reply
20
Maria Adams, Credit Cards Moderator
@m_adams
The easiest way to pay your Target Credit Card is either online or over the phone at (800) 424-6888. Alternatively, you can make a payment in a Target store, or by mail.
How to make a payment on your Target Credit Card:
- Online:Log in to your Target account on the website and click “Pay Now.”
- Over the phone: Call (800) 424-6888 and follow the prompts to make a payment, or ask to speak with a Target guest services...
1
How do I apply for the Target Credit Card?
16
Upvotes
Reply
16
WalletHub
@WalletHub
You can apply for the Target Credit Card either online or in a Target store, at the customer service counter; you cannot apply for this card over the phone. When you apply, you will need to provide some type of identification like your Social Security number, driver's license, state ID or military ID.
Keep in mind that you need at least fair credit to get this card. If you don't know where you stand, you can check your credit score for free...
4
Where can I check my Target Credit Card balance?
71
Upvotes
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.
16
4
How can I check my Target Credit Card application status?
14
Upvotes
Reply
14
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...
Does Target have a credit card?
7
Upvotes
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 |
...
3
1
How can I get a Target Red Card credit limit increase?
58
Upvotes
Reply
58
36
WalletHub
@WalletHub
You may get a Target Credit Card credit limit increase if the issuer decides to review your account and they grant you an increase automatically. At the moment, you cannot request a Target Credit Card credit limit increase directly, as the issuer does not offer this option to Target Credit Card members.
To be eligible for a credit limit increase, your account must be in good standing for at least 12 months and your income information must be up...
15
5
View more answers
How do I cancel my Target Red Card?
10
Upvotes
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
Does Target have a major credit card?
10
Upvotes
Reply
10
Chip Lupo, Credit Card Writer
@CLoop
Yes, Target does have a major credit card known as the Target RedCard Mastercard. The Target Mastercard credit card can be used anywhere Mastercard is accepted, though it is only available to existing customers who receive an offer to upgrade from the Target store credit card, also known as the RedCard. The store card can only be used at Target stores and online through the Target website.
The Target Mastercard and the Target store card share many...
1
How can I log in to my Target Credit Card account online?
1
Upvote
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...
What's the Target Credit Card phone number for customer service?
Upvotes
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The Target Credit Card phone number for customer service is (800) 424-6888. By calling this number, you can either talk to a live representative or use the automated phone system to hear your balance information, make a payment, review your transaction history and more.
How to Talk to Target Credit Card Customer Service Over the Phone
- Call customer service at (800) 424-6888 or the number you see on the back of your card.
- When prompted, give your...
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Related Credit Card Categories
Target Credit Card is related to the following categories:
2023 WalletHub Awards
Target Credit Card is an Editor's Pick for:
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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
12%
3.7
1,053 reviews
1,053 reviews
What's Your Rating?
Most Recent
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
Janet
@janstuder
4 Star Rating
They are fast and efficient in business, they have great sales. The only problem I have is I have a very difficult time signing onto my target account. I always get an error message telling me that my sign on input is not valid. It's never changed and I never use to have problems getting onto the site. I would probably buy more merchandise were it not for the fact I have such a difficult signing in.
Comment
Samuel
@snegrete79
4 Star Rating
Great overall credit card that can give you additional percentage off. Great for school and great for beginners credit card to start off.
Comment
Lon
@lond
4 Star Rating
The Target Card is convenient to have when shopping at Target. However, using the website for payments is not very user friendly. There are too many steps to get to the right section, and the way the site is set up gives the feeling that they don't want you to pay off your balance but would rather have you pay the minimum.
Comment
George
@gglover82
5 Star Rating
Thank you for your service and thank you for your support and your help with the business and your business service and thank you for your support.
Comment
David Anthony
@davelant
2 Star Rating
Be advised that Target does not allow balance transfers. So if you looking to later transfer your Target REDcard balance to a different credit card with 0% APR for a series of month, in order to pay down balance quicker, stay away from this card. I had one since 2010 and was very excited when I found a good credit card with 0% APR for over a year and thought I could transfer this balance. They also rarely review your income and history for credit line increases.
Comment
Jaime
@jaimehal
1 Star Rating
Target will decrease your credit limit, affecting negatively your score if you pay-off every month the full balance. Their interest rate is very high and they penalizing you if you don’t carry a balance.
Comment
Review Target Credit Card
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Kohl's Credit Card, Target Credit Card, and Target Mastercard
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
As an expert in personal finance and credit cards, I'd like to dive into the details of the article about the Target Credit Card and provide insights into the concepts mentioned:
-
WalletHub Rating: 3.7/5
- WalletHub is a reputable financial platform that provides credit card ratings based on various criteria. The 3.7/5 rating suggests that the Target Credit Card is considered good but may have some areas for improvement.
-
Target Credit Card Features:
- Annual Fee: $0
- Rewards: Offers a 5% discount on all Target purchases, including Starbucks locations within Target stores.
- Additional Benefits: Free 2-day shipping on Target.com, extended returns for 30 days, exclusive extras, and access to online account management.
-
WalletHub Rating Breakdown:
- User Reviews: 3.7/5 based on 1,053 reviews.
- Editor’s Review: Rated 5.0/5 by John Kiernan, Credit Card Editor.
-
Market Comparison:
- The Market Comparison component of the WalletHub Rating measures how appealing the terms of the card are compared to a pool of over 1,500 credit card offers.
- This card scores 3.5 in the Market Comparison, with a focus on earning rewards (Store Cards).
-
Key Terms:
- Accepted Credit Scores: Excellent Credit, Good Credit, Fair Credit.
- Annual Fee: $0.
- APR on Purchases: 29.95% (Variable).
- Balance Transfer: Not Allowed.
-
Editor's Review (December 13th, 2023):
- John Kiernan gives the Target Credit Card a perfect 5.0/5 rating.
- Fact-checked by Alina Comoreanu, Senior Researcher.
-
Pros & Cons:
- Pros: No membership fees, $50 initial rewards bonus, qualifies with fair credit, and high regular APR.
- Cons: High regular APR.
-
Target Credit Card Review Highlights:
- Highlights the benefits of saving 5% on most Target purchases, no annual fee, extended return period, and free shipping on Target.com orders.
-
Comparisons with Popular Alternatives:
- Compared with other credit cards, emphasizing the WalletHub Ratings for fees, rewards, cost, and other features.
-
Frequently Asked Questions (FAQs):
- Answers to common questions about payment methods, application process, credit limit increase, and cancellation.
-
User Reviews:
- A selection of user reviews with star ratings and comments, providing real-world experiences with the Target Credit Card.
In conclusion, the Target Credit Card is positioned as a favorable option for individuals with fair credit or better who frequently shop at Target. The 5% discount on purchases, no annual fee, and additional perks make it an attractive choice for Target enthusiasts. The WalletHub ratings and user reviews contribute to a comprehensive overview of the card's strengths and potential drawbacks.
