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Target REDcard

in Personal Credit Cards from TD Bank

Claimed Visit Site

Target REDcard

Claimed

in Personal Credit Cards from TD Bank

Net Recommendation Score +33% 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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2 users recommend
0 users are unsure
1 user doesn't recommend
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Community Rating

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Annual Fee $0
Purchase APR  (Variable APR) 22.9%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 640 - 750

Target REDcard Review

Target REDcard is a store rewards credit card issued by TD Bank. 

This card is designed for people with fair credit. The minimum credit score to apply is 640. If you're wondering whether Target REDcard is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Target REDcard
The Good The Bad
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Does not include many credit card rewards.
  • Is there a Target REDcard cash back or rewards program?

    Target REDcard offers a rewards program to its customers. This card features rewards for purchases in the following categories:

    Target REDcard Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate 5%
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    Does Target REDcard have a signup bonus?

    Target REDcard doesn't offer a cash signup bonus.

    Does Target REDcard offer an annual loyalty bonus?

    Target REDcard doesn't offer a cash loyalty bonus.

    What are the relevant APRs for Target REDcard?

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Target REDcard has higher than average purchase APRs.

    Target REDcard has a variable purchase APR of 22.9%.

    Does Target REDcard have an introductory APR offer?

    Target REDcard does not offer an introductory rate on new purchases.
    Target REDcard Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    Target REDcard Rates & Terms
    Description
    Balance Computation daily balance
    Purchase APR 22.9%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR N/A
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Target REDcard fees?

    The following fees apply to Target REDcard:

    Target REDcard Fees
    Fees Amount
    Annual Fee $0
    Returned Payment Fee $25
    Late Payment Fee $35

    How to apply for Target REDcard

    • Visit the Target REDcard 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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: SuperMoney.com 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...

    Availability

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

    Feature Breakdown

    Eligible In-Store Purchases 5%
    Every Purchase (Points) 5% off target purchases
    Annual Fee $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 25
    Late Fee Amount $35
    Minimum Interest Charge $1
    Returned Payment Fee $25
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Rewards Categories
    • Target Purchases
    Purchase APR (Variable APR) 22.9%
    Balance Computation daily balance

    Target REDcard Community Reviews

     

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