Target Credit Card

Card Information

Save 5% everyday at Target. REDcard holders get free shipping and extended returns. The Target REDcard™ Credit Card offers you 5% back when you use it at Target and Target.com. You’ll also get discounts, free shipping, and other incentives.

Card Details

  • Save 5% at Target and Target.com.
  • REDcard gives you 30 extra days for returns.
  • Combine your everyday 5% savings with Cartwheel, Target Subscriptions, and coupons
  • Free Shipping at Target.com
  • Exclusive extras: Special items, offers & 10% off coupon as a gift on your REDcard anniversary each year.

Interest Rates and Interest Charges

APR for Purchases
24.40%
Transfer Intro APR
Balance Transfers Not Allowed
Purchase Intro APR
Not Offered
How to Avoid Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, please visit the website.

Fees

Annual Fee
None
Late Payment Penalty Fees
Up to $38
Returned Payment Penalty Fees
Up to $27

Sign-Up Bonus

Unlike many cash back and rewards credit cards, the Target REDcard™ doesn’t offer a sign-up bonus.

Rewards

  • Save 5% at Target and Target.com.
  • REDcard gives you 30 extra days for returns.
  • Combine your everyday 5% savings with Cartwheel, Target Subscriptions, and coupons
  • Free Shipping at Target.com
  • Exclusive extras: Special items, offers & 10% off coupon as a gift on your REDcard anniversary each year.

Target Credit Card's Additional Info

MAX LATE FEE
$38
MAX OVERLIMIT FEE
None
MAX PENALTY APR
None
GRACE PERIOD
25 days
ONLINE RESPONSE
No
CASH ADVANCE APR
N/A
CASH ADVANCE FEE
N/A
FOREIGN TRANSACTION FEE
N/A
SMART CHIP
Yes, chip-and-PIN

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