Target REDcard
in Personal Credit Cards from TD Bank
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Would you recommend Target REDcard to your friends?
| Community Rating | Strongly recommended |
| Purchase APR (Variable APR) | 22.9% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 640 - 750 |
| Annual Fee | $0 |
| Number of Reviews | 7 |
Target REDcard Review
Target REDcard is a store cashback credit card issued by TD Bank. If you're wondering whether Target REDcard is the right card for you, read on. This is everything you need to know to make a good choice.
Key Takeaways
- Generous reward rate. You will get a cashback rewards rate of up to 5%.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 22.9%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
Target REDcard Pros & Cons
| The Good | The Bad |
|---|---|
|
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Target REDcard FAQ
Is there a Target REDcard cash back or rewards program?
Target REDcard is a cashback card. This means you earn a percentage of your purchase as a cash reward. This card features rewards for purchases in the following categories:
| Rewards rate (all purchases) | N/A |
| Max rewards rate | 5% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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 on balance transfers?
No, Target REDcard does not come with an introductory APR offer for balance transfers.Does Target REDcard have an introductory APR offer on new purchases?
Target REDcard does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Target REDcard?
The following fees apply to Target REDcard:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Returned Payment Fee | up to $29 |
| Late Payment Fee | up to $40 |
Does Target REDcard report your account activity to credit bureaus?
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 can help improve your credit.
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.
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Contact
- Headquarters
-
2035 Limestone Road
Wilmington, DE 19808 - Visit Site
Other Services by TD Bank
View all personal credit cards offered by TD Bank
Availability
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 |
Target REDcard Community Reviews
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