Highlights
Community Rating	Mostly recommended
Purchase APR (Variable APR)	22.9%
Balance Transfer APR (Variable APR)	N/A
Credit Score Range	640 - 750
Annual Fee	$0
Number of Reviews	9

Target REDcard Review

This is a store cashback credit card issued by TD Bank. If you're wondering whether Target red card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

Generous reward rate. You will get a cashback rewards rate of up to 5%.
High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 22.9%
No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
Fair or better credit required. You will have good approval oods if your credit score is above640.

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. It has higher than average regular APRs.

It has a variable purchase APR of 22.9%.

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 $29
Late Payment Fee	up to $40

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

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

Overall, Target red card is mostly 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: 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...

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 TD Bank

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 Target.com, 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.

Contact

Headquarters
2035 Limestone Road
Wilmington, DE 19808
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Availability

Available in 50 states and Washington, D.C.

Alaska
Alabama
Arkansas
Arizona
California
Colorado
Connecticut
Washington, DC
Delaware
Florida
Georgia
Hawaii
Iowa
Idaho
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Vermont
Washington
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Wyoming

Feature Breakdown

Eligible In-Store Purchases	5%
Every Purchase (Points)	5% off Target purchases

Target REDcard Community Reviews

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Other Personal Credit Cards

Strongly recommended

18 Reviews