Last Updated: 07/28/2025
SuperMoney User Recommendation Score +50
Strongly recommended20 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
25.15%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
640 - 750
Annual Fee
$0
Number of Reviews
Target RedCard™ Review
This is a store cashback credit card issued by TD Bank. If you're wondering whether Target RedCard™ is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5x.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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 you have a fair credit score or better.
Pros & Cons of Target red card
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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. This card features rewards for purchases in the following categories:
- Target Purchases
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Target RedCard™ has a variable purchase APR of 25.15%. Target RedCard™ does not offer balance transfers.
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. Target RedCard™ does not offer 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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 customer service number for Target red card is (833) 259-5980.
What is the support contact email for Target red card?
The support contact email for Target red card is customer.service@td.com.
What is the login page for Target red card?
You can access the login page of Target red card 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 to the following credit bureaus:
- 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 build your credit.
Does TD Bank perform a hard credit pull?
Yes, Target red card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Target red card
- Visit the website of Target red card.
- 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.
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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
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.
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