Our take: Target REDcard™ Credit Card is a must-have for frequent Target shoppers. Getting 5% off at Target in-store and online allows you to rack up savings on everyday purchases and grocery hauls. Plus, perks like free two-day shipping make shopping at Target more convenient.
Target regulars, take note: You won’t find better Target savings and perks outside the Target REDcard™ Credit Card. When you use your Target REDcard™ Credit Card, you’ll get 5% off at Target in-store and online automatically – the discount is applied at checkout. Plus, shopping at Target will be more convenient with valuable perks like free two-day shipping and an extra 30 days for returns. And you won’t have to worry about an annual fee – it’s $0.
If you want a credit card you can use outside of Target, this card is not for you. The Target REDcard™ Credit Card is a store card, which means you can only use it in Target stores and online at Target.com. You should also look elsewhere if you tend to carry a balance. The card’s high APR – currently 29.95% (variable) – can land you in financial hot water if you don’t pay off your card every month.
Along with the Target REDcard™ Credit Card, Target offers other products under the RedCard trademark, including a debit card, a Mastercard and a RedCard Reloadable Account. All of these give you 5% off at Target in-store and online.
Intro Purchase APR
N/A
Regular Purchase APR
29.95%
Intro BT APR
N/A
Regular BT APR
N/A
Annual Fee
$0
Cash Advance Fee
N/A
Foreign Transaction Fee
N/A
Balance Transfer Fee
N/A
5% off at Target in-store and online
You can get 5% off at Target in-store and online with the Target REDcard™ Credit Card. Few cards without the Target RedCard trademark will give you more cash back at Target. And Target makes it easy to earn these rewards – your discount is automatically deducted when you check out. This is unique, since most cash back credit cards require you to take an extra step to redeem your rewards.
The discount applies to clearance items, purchases at in-store Starbucks locations, subscription deliveries, specialty gift cards and same-day delivery orders through Shipt.
Annual fee
The Target REDcard™ Credit Card comes with a $0 annual fee. Target doesn’t charge for a membership program in order to use the card, so you’ll get your Target discount and perks without having to pay for a loyalty program. If you want to earn cash back with similar cards like the Costco Anywhere Visa® Card by Citi or the Prime Visa, you’ll have to cough up an annual membership fee.
Free two-day shipping
When you use your Target REDcard™ Credit Card to shop at Target.com, you’ll get free two-day shipping on most items, saving yourself Target’s $5.99 standard shipping fee. Note that, if you tend to make large online orders from Target, this benefit may not make much difference to you. You can get free two-day shipping even if you don’t have a Target REDcard™ Credit Card as long as you spend at least $35 on your order.
Extended returns
You’ll get 30 additional days to return a purchase beyond Target’s standard return policy when you pay with your Target REDcard™ Credit Card.
Can only be used at Target
Unlike traditional credit cards that you can use anywhere, you can only make purchases with the Target REDcard™ Credit Card at Target stores and Target.com. We recommend the Discover it® Cash Back if you want a rewards card you can use wherever you go.
High interest rates
If you carry a balance on your Target REDcard™ Credit Card from month to month, you will be subject to a high APR of 29.95% (variable) on purchases. That said, store credit cards typically charge higher interest rates than traditional credit cards.
No 0% intro APR on purchases
Unlike some store cards, the Target REDcard™ Credit Card doesn’t offer any type of financing for Target purchases. If you want to finance a large purchase like a TV or a piece of furniture and pay it off over time, consider using a card with a 0% intro APR. This will give you breathing room to pay off your balance before your card starts charging interest.
Discount does not apply to all Target purchases
There are some exceptions to the 5% off at Target in-store and online. Exclusions include prescriptions, Target Optical eye exams and protection plans, Target gift cards and prepaid cards, certain restaurant merchants in Target stores, Shipt membership fees, alcohol purchases in Indiana, gift wrap and shipping and handling charges on Target.com purchases and wireless protection program purchases.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | Intro Purchase APR | Regular APR | Recommended Credit Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion | |
|---|---|---|---|---|---|---|---|---|
|
Target REDcard™ Credit Card
|
N/A | N/A | 5% off at Target in-store and online | $0 | N/A | 29.95% | Good | |
Discover it® Cash Back
 Apply Now
on Discover's secure site Rates & Fees |
N/A | Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. | Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. Redeem your rewards for cash at any time. | $0 | 0% Intro APR for 15 months | 17.24% - 28.24% Variable APR | Excellent/Good |
Apply Now
on Discover's secure site Rates & Fees |
Citi Double Cash® Card
Apply Now
on Citibank's secure site Rates & Fees |
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. | 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. | $0 | N/A | 19.24% - 29.24% (Variable) | Excellent/Good/Fair |
Apply Now
on Citibank's secure site Rates & Fees |
|
Chase Freedom Unlimited®
Apply Now
on Chase's secure site |
N/A | SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn. | Unlimited 1.5% cash back is just the beginning. Enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases. | $0 | 0% Intro APR on Purchases for 15 months | 20.49% – 29.24% Variable | Excellent/Good |
Apply Now
on Chase's secure site |
If you want flexibility in terms of where you can earn rewards, the Discover it® Cash Back may be a better fit. You’ll get Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. Redeem your rewards for cash at any time..
The Target REDcard™ Credit Card is a great fit if you’re a frequent Target shopper who wants a simple rewards program to offset the cost of regular Target hauls. The Target REDcard™ Credit Card makes shopping at Target more convenient for you, too, with perks like free two-day shipping and an extended return window.
However, if you are an occasional Target shopper, you should skip this card in favor of a rewards card that aligns with your spending habits.
Yes. You can get cash back by using any of Target’s four card offerings: the Target REDcard™ Credit Card, the Target RedCard Debit Card, the Target MasterCard and the RedCard Reloadable Account. Target cash back is applied as a discount at checkout.
You can apply for the Target REDcard™ Credit Card with Target’s online application.
No. Currently, there is no way to get Target credit card preapproval.
You need good credit to qualify for the Target REDcard™ Credit Card. Issuers usually consider good credit to be a FICO score of 670 or above.
The information related to the Costco Anywhere Visa® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The information related to the Target REDcard™ Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
