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Target Credit Card Review

Target Credit Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent / Good Credit
Card Rating:
Target is one of the largest discount retailers in the United States. Its headquarters are located in Minneapolis, Minnesota.

Target offers credit card cards so that cardholders could enjoy different benefits and special offers. The credit card is named REDcard and allows customers to make more purchases at the stores. The retailer also offers debit cards for the convenience of their loyal customers. Using those cards, people can withdraw funds from their current accounts and pay their bills. The REDcard credit cards (Target Credit Card and Target MasterCard) are issued by TD Bank USA, N.A. The debit card is issued by Target Corporation.

Target Credit Card Details


  • Charge your Target purchases in-store & at Target.com11
  • Receive a monthly bill.11
  • Check balance, make payments & review statements at
  • Save 5% when you use your REDcard at any in-store Starbucks location.11


Max. Rewards: No rewards11
Sign-up Bonus: Get $50 off a future qualifying purchase over $50 when approved for a RedCard.11


Purchase Intro APR: N/A11
Purchase Regular APR: 22.90%11
Cash Advance Fee: n/a11
Cash Advance Regular APR: n/a11
Balance Transfer Intro APR: No11
Balance Transfer Regular APR: n/a11
Balance Transfer Fee: n/a11
Annual Fee: None11

Target Credit Card Benefits

There are many benefits of the Target Redcard: on the availability of internet you can shop online 24/7 and make payments without any hassle; and you can get the payment history from anywhere and anytime. Apart from that, you can activate your balance alerts through which you will get reminders of your available balance. The card will allow you to save 5% on daily basis if you shop using your Target Redcard. The free shipping is available for most of their products exclusively for the Target cardholders. Another important thing is that there's no annual fees for the Redcard.

Target Credit Card Drawbacks

None of the companies in the world offers 100% benefits to their customers, same is with the Target card. It doesn't allow to combine 5% discount with other offers or gift cards. Also, the 5% discount does not apply to some services provided by Target, like Target gift cards and prepaid cards, Target Optical™ eye exams, gift wrap and some other things. As the Target Redcard does not have a Visa or a MasterCard label on it, the card is only usable at Target stores and You cannot use the Red card at any other store.

Contact Information


You can contact Target at 1-800-424-6888.

Latest Credit Card Reviews

User Comments about Target Credit Card

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credit limit
I use this card like FOR YEARS pay in full and have great credit score but i NEVER got credit line increases1!! that 's just ridiculous. i would have spent more if had an opportunity thats just stupid they never gave me a chance
Had bad credit of 556 and applied. Got approved with $500 credit limit. That works fine for me
Great for Target shoppers
I wanted to increase my overall credit limit with this card and applied. i shop at Target frequently and this card is great for me. I instantly got approved for $300 limit when i applied online.
Auto Increase
Got credit line increase after a year of responsible use. Bought gifts for all my family and will definitely pay off balance in full. looking forward for future increase))
Target - card for shoppers
Free shipping, account alerts, shopping online... Traget card is best for me!