Last Updated: 07/28/2025
SuperMoney User Recommendation Score +50
Strongly recommended20 total votes
Explore a similar product
Try this top product in Credit Cards
Total Visa® Credit Card
Mostly recommended35 reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
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
| The Good | The Bad |
|
|
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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
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.
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 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
Other Services by TD Bank
Business Loans
Rating not yet determined (1 Review)
Business Credit Cards
Be the first to rate
Brokerages
16
4
20 Reviews
Auto Loans
35
38 Reviews
Personal Lines of Credit
Rating not yet determined (1 Review)
Personal Loans
Rating not yet determined (1 Review)
Other Credit Cards from TD Bank
Purchase APR
28.15%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
N/A
Rating not yet determined
Purchase APR
27.74%
Disclaimer popup with additional information
Balance Transfer APR
27.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$29
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Credit Score Range
690 - 850
300
850
Annual Fee
$120 - $240
Rating not yet determined
Purchase APR
16.49% - 26.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 26.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 620
Annual Fee
$0
Rating not yet determined
Purchase APR
14.74%
Disclaimer popup with additional information
Balance Transfer APR
14.74%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$89
Rating not yet determined
Purchase APR
18.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
18.74% - 28.74%
Disclaimer popup with additional information
Credit Score Range
690 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.49% - 26.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 26.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +50, or 4 on a 5-point rating scale.
+50
-1000+100
No one recommends
Everyone recommends
Target RedCard™ Community Reviews
Would you recommend Target RedCard™ to your friends?
JP
John P.
May 13, 2023
May or may not recommend
TD Bank is absolutely ridiculous. I'm a truck driver and during the pandemic I was so busy driving and getting supplies delivered all over America. My Red Card was set on autopay and since I couldn't manage my credit union I switched my payment to my other bank since they're nationwide. Unaware that it didn't apply for the current month my payment failed to post. TD Bank ended up putting ...Show More
AD
Anita D.
May 31, 2022
May or may not recommend
The card itself is good I guess and saves you 5% on purchases but if you ever want a credit line increase you have to fight for it even if you've been a customer of theirs for years and years (which has been 11 years for me) and I've never paid a late payment in my life. It used to be you could get on the phone with them and ...Show More
Karina V.
Feb 17, 2022
May or may not recommend
I have recommended this card to my friends, we all love Target and we spend more than we'd like there so it just made sense to at least get some cash back for all the purchases we make. I've never had any problems with this credit card, I like that it doesn't have an annual fee, the app is very user friendly and the savings just add up over time. ...Show More
JB
Jennifer B.
Feb 14, 2022
May or may not recommend
I have had my Target RedCard for about five years and really enjoy the 5% discount it provides, especially when prices are currently so inflated. I regularly use the Target app and the Target website and find them to be very user-friendly. You can link your card in the Target app and pay using a barcode, without having to produce your card, which I find very helpful! ...Show More
U
Anonymous
Feb 1, 2022
May or may not recommend
Hey thank you very much love to see how I can use it
Sophia D.
Jan 20, 2022
May or may not recommend
My grandmother has this credit card, but I am on her account and help her with her finances. Not a fan of this card so much. They drastically reduced her credit limit a year ago with no explanation. If you shop at Target frequently, then apply for it; otherwise, it's no real benefit.
JH
Jade H.
Jan 3, 2022
May or may not recommend
I would only recommend getting this card if you shop at Target often. This card works for us because we shop at Target for everything. We get a lot of rewards and discounts.
JE
Jerome E.
Dec 21, 2021
May or may not recommend
Why not get cash back if you are a regular Target shopper? There is one in our neighborhood that we use frequently for weekly/monthly essentials. Just pay entire bill monthly.
JC
John C.
Nov 6, 2021
May or may not recommend
I love this card. I have saved over $100 using the card and would recommend it to anyone. My score has gone up dramatically.
BW
B W.
Sep 29, 2021
May or may not recommend
I love this card. If you are a fan of Target, or you shop there often, then the Target REDcard is a must. 5% cashback may not sound like a lot, but it's always nice to get to the register to check out and see that on the receipt when the cashier rings you up. The savings add up over time. It's wonderful.
AB
Ava B.
Jun 28, 2021
May or may not recommend
I would defiantly suggest Target REDcard, my family and I use it every time we shop there. When you use the card, you receive %5 off of your total purchase. Considering how prices have increased, every bit helps. If you upload your target REDcard to your CartWheel app, on your phone, it makes it easier to pay while at checkout.
U
Anonymous
May 18, 2021
May or may not recommend
Its so nice and easy to use so try it u will appreciate it,
JG
Jessica G.
Jan 14, 2021
May or may not recommend
I would recommend the TargetRedcard. As someone who constantly shops are target saving 5% is so nice as well as the occasional 10% off a purchase. I’ve saved lots by having this card! If you pay on time then the card only benefits you!
KV
Kevin V.
Oct 28, 2020
May or may not recommend
I got this card to increase my credit to lower my credit utilization. I don't typically shop at target and only used the card a few times. I paid my balance off every month. I ended up not using the card for a few months and they closed the account due to inactivity. I have never heard of that before Target Red Card.
AD
Alissa D.
Oct 12, 2020
May or may not recommend
This is a great card as you receive 5% off all in store and online purchases. If you order through the Target app, you are able to get items delivered to your home with free shipping with a minimum $ purchase. Shipping is fast and you also get the discount if you use the REDcard. I personally have the debit option which is the best because funds are drawn directly ...Show More
SC
S C.
Oct 11, 2020
May or may not recommend
Target is probably my favorite store and I shop there all the time. One nice perk is that this card offers 5% cash back, but the APR is pretty high so I wouldn’t recommend it if you plan on carrying a balance.
Audrey B.
Sep 11, 2020
May or may not recommend
I like my target credit card because of no fees and you save 5% on everyday purchases. You can only use it at any Target or online. You can apply online or in person for one of these cards. If you think 5% savings is nothing, think again - it adds up quickly. I have never had any issues with this card. I did big and small purchases with ...Show More
MJ
Maria J.
Sep 5, 2020
May or may not recommend
First of all - who doesn't love to shop at Target?! I try to purchase everything on my Target Debit Card instead of the Credit Card for spending reasons, but, the RedCard is so convenient to buy bigger ticket items, emergency supplies, Christmas shopping, back to school, etc. The interest rates are manageable AND you get an additional discount! It's a WIN WIN from Target - even though I might ...Show More
Miron L.
Jul 18, 2019
May or may not recommend
If you are a frequent Target Shopper this card is a no-brainer. Why would you not give yourself a 5% discount on everything you buy there??
U
Anonymous
May 17, 2017
May or may not recommend
Poorest customer service in history. Charges late fees even when posted the same day. Very rude about reversing unauthorized charges -even when the business was contacted too. Then three months later added them back on. It was a huge nightmare. Our experience with this card even affects our attitude toward the Target store through no fault of the store. We had this card 16 YEARS and got ...Show More
Showing 20 of 20 reviews
Other Services by TD Bank
Business Loans
Rating not yet determined (1 Review)
Business Credit Cards
Be the first to rate
Brokerages
16
4
20 Reviews
Auto Loans
35
38 Reviews
Personal Lines of Credit
Rating not yet determined (1 Review)
Personal Loans
Rating not yet determined (1 Review)
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
