Target Credit Card

Overview

Target Credit Card is a Store Credit Cards. It happens nearly every time you step up to the checkout: the salesperson asks if you’d like to save 10%, 15%, or 20% off your purchase by applying for a store credit card.Unfortunately, many store-branded credit cards often have high interest rates and low minimum payments, offsetting the discount in the end. That’s why your answer should usually be “No, thanks.”However, The Target REDcard credit card offers several benefits that may appeal to responsible cardholders who regularly shop the retail giant.

Key APRs & Fees

Annual Fee
$0
Regular Purchase APR
24.65% (V)
Purchase Intro APR
Not Offered
Balance Transfer Intro APR
Balance Transfers Not Allowed

Additional Info

Max Late Fee
$38
Max Penalty APR
None
Max Over Limit Fee
None
Grace Period
25 days
Foreign Transaction Fee
N/A
Cash Advance APR
N/A
Cash Advance Fee
N/A
Smart Chip
Yes, chip-and-PIN

Benefits

  • Save 5% at Target & Target.com each day.
  • Save 5% when you use your REDcard at any in-store Starbucks location, Cartwheel, Target Subscriptions, Specialty gift cards, Top deals and Clearance.
  • Free 2-day shipping on hundreds of thousands of items at Target.com. Some market exclusions apply.
  • Extended returns for 30 extra days at Target or Target.com.

The Credit Level needs to Apply this Credit Card

Fair

Who can benefit from the Target Credit Card

  • People who consistently spend a lot of money at the Target, want to get rewards and save money at their favorite retailers
  • People who want to get an instant approval credit card
  • People who want to improve their credit
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