Target RedCard™

Best Of Product

Target RedCard™ Claimed

Target RedCard™

SuperMoney Net Recommendation Score +60  


This product is strongly recommended by SuperMoney users with a score of +60, equating to 4.2 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

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Community Rating Strongly recommended
Purchase APR  (Variable APR) 25.15%
(Verified 09/07/2022)
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 640 - 750
Annual Fee $0
Number of Reviews 20

Target RedCard™ Review

This is a store cashback card issued by TD Bank. If you're wondering whether Target red card is the right card for you, read on.

Key Takeaways

  • Generous reward rate. You can get a maximum cashback rewards rate of up to 5x.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.15%
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval odds if your credit score is above 640.

Pros & Cons of Target red card

The Good The Bad
  • Free 2-day shipping
  • An additional 30 days for returns and exchanges.
  • No annual fee.
  • Target RedCard™ reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.

Target red card FAQ

Does Target red card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Target red card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Target red card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Target RedCard™ has a variable purchase APR of 25.15%.

Does Target red card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Target red card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Target red card?

The following fees apply:

Target red card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $30
Late Payment Fee up to $41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

What is the customer service phone number for Target red card?

The Target red card customer service number is (833) 259-5980.

What is the support contact email for Target red card?

The support contact email for Target red card is

What is the Target red card login page?

You can access the Target red card login page here.

How do people rate the customer service and user experience of Target red card?

Overall, Target red card is strongly recommended based on community reviews that rate customer service and user experience.

Does Target RedCard™ report your account activity to credit bureaus?

Yes, Target RedCard™ reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Target red card

  • Visit the Target red card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Target red card

TD Bank, America's Most Convenient Bank, has proudly provided unparalleled convenience and legendary WOW! customer service for more than 150 years.Today, TD Bank, America’s Most Convenient Bank, remains focused on delivering award-winning customer service and hassle-free products to customers from Maine to Florida.

Everyday RedCard benefits include 5% off at Target in store and online, free shipping on most items at, more exclusives including special items and offers, and an additional 30 days for returns and exchanges. You can also Save 5% at any in-store Starbucks location when you use your RedCard, plus, save 5% on specialty gift cards for travel, restaurants, movie tickets, and more.

Add a RedCard to the Wallet feature to pay and save in one scan.

Message From Our Editor

What we love about Target REDcard

The Target REDcard offers 5% cash back on purchases that you make in Target stores and online, making it one of the highest earning cards for those types of purchases. You also qualify for other perks when you shop at Target, such as free shipping on most items, extended returns, promotions, a 10% coupon each year, and coupons available only to REDcard members. The card also doesn’t charge an annual fee.

What could Target REDcard do better?

The Target REDcard is a store credit card. That means that you can only use it at Target and Target’s website. If you don’t like to have single-use credit cards and would prefer to have one that you can use at multiple stores, you’ll want to choose a different card. You also can’t use the card for certain types of purchases, such as Target Optical eye exams, Stockpile and Gift of College gift cards, and prescriptions.

The card can also have a high interest rate. If you wind up carrying a balance, you could pay a lot in interest compared to some other credit cards.

Target REDcard‘s backstory

Target, founded in 1902 as Goodfellow Dry Foods, is one of the largest retailers in the United States. Target offers a REDcard debit card and a REDcard credit card to help customers pay for their purchases and earn rewards while doing so.

The Verdict

 If you do a lot of your shopping at Target, especially if your Target sells groceries, 5% cash back is one of the best rewards rates you’ll see, making the REDcard a great choice. If you don’t shop at Target frequently or tend to carry a balance on your card, the REDcard won’t earn you much cash back and can result in expensive interest charges.


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $30
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 750
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • 5% Cash Back on Target Purchases
APR Type Variable APR
Balance Computation daily balance.
Purchase APR (Variable APR) 25.15%
(Verified 09/07/2022)
Card Type
  • Cashback
  • Store Card
Card Network Other

Target RedCard™ Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +60, equating to 4.2 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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