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Target REDcard Credit Card

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.

Target REDcard Credit Card List

Target REDcard™ Credit Card

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.

Target Credit Card

  • 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 Debit card

Links to your existing checking account.|Cash withdrawal at checkout up to $40.|View transactions & manage your PIN at Target.com/myREDcard.

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Alternative Rewards Credit Cards

Chase Freedom Unlimited® Credit Card

  • Unlimited 1.5% cash back on every purchase – it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum

Blue Cash Everyday® Card from American Express®

The Blue Cash Everyday® Card from American Express® offer generous cash back rewards, bonuses, and a number of additional benefits.There is also a Blue Cash Preferred® Card from American Express® (Review) version, an upgraded card with additional reward opportunities with an annual fee.

Blue Cash Preferred® Card from American Express®

The Blue Cash Preferred® Card from American Express® has got a lot going for it. Though it comes with an annual fee of $95, you can get a $200 statement credit when you spend $1,000 in the first three months to help offset the cost. There is also a Blue Cash Everyday® Card from American Express® (Review) version of this card with no annual fee, but lower reward earnings.

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Store Credit Cards

Sears Card

  • Enjoy savings on your favorite brands with special financing
  • special offers, exclusive events and coupons.

Sears Mastercard® with Shop Your Way

  • Earn More Shop Your Way Points in More Places
  • Global Acceptance
  • Monthly savings, special offers and special financing

BP Credit Cards

  • Redeem earned rewards at the pump
  • $0 Fraud Liability
  • ATM Cash Access
  • No annual fee

Disney Premier Visa Card

  • after you spend $500 on purchases in the first 3 months from account opening.
  • This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Forever 21 Credit Card

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.

Target REDcard Credit Card Basics

Target uses the name “REDcard” to refer to three different products:

1. Target credit card: This is a store card, accepted at Target and Target.com. There is no annual fee, but as with most store cards, the interest rate is on the high side: 23.15%, as of November 2016.

2. Target debit card: This card is linked to your checking account, and your purchases are deducted each time you use the card. It’s accepted at Target and Target.com. There’s no annual fee.

3. Target MasterCard. This is accepted anywhere that takes MasterCard. However, new cardholders cannot apply for the Target MasterCard. It’s an upgrade that Target may offer you later. It has no annual fee or foreign transaction fee, and the annual percentage rate is the same as on the Target credit card.

All three cards give you the same benefits outlined above: 5% off, free shipping, extra time for returns. The MasterCard doesn’t give you any rewards outside of what you spend at Target. All are chip-and-PIN cards, meaning you need to enter your PIN each time you use it. This isn’t a bad thing, because such cards are more secure than chip-and-signature cards.

Advantage of Target REDcard Credit Card

1. Discount on shopping. You get a 5% discount on all purchases you make with the card, whether in store or online. This is an automatic discount that occurs at checkout, which doesn't require accumulating a certain amount or redeeming anything in order to take advantage of the discount. You also receive the discount on all purchases and not just certain merchandise in specific categories, providing a savings on a wide variety of products. This is comparable to a cash back card that gives 5% back on purchases.

2. Extra days for returns. If you need to return a purchase, you receive 30 extra days to do so when you purchase with this card. Target's return policy is 90 days for unopened items in new condition, but as a cardholder, you receive a little extra time if the product you have purchased doesn't meet your needs.

3. Free shipping. You can not only save money shopping Target's many sales and discounts, but you can also skip the drive to the store and standing in line, by shopping online at Target.com. If you use your Target credit card, shipping is free with no minimum purchase, or you can get free 2-day shipping on eligible items when your spend more than $35 on your order. Although other retailers offer free shipping, this benefit sometimes comes with a price.

Should You Get Target REDcard Credit Card?

1. Only Target purchases. Because this card is a store card and not a Visa or MasterCard, it isn't a credit card that you can use anywhere except Target stores.

2. High APR. The APR, as with most store cards, is exceptionally high. If you carry your balance from month to month, the 5% discount you receive for your purchases isn't going to be worth the money you pay in interest. In order to get the most from the card, it is important that you are diligent in paying your balance in full each month and avoid paying interest on your purchases.

Should You Get Target REDcard Credit Card?

The Target REDcard offers loyal customers an opportunity to save 5% on purchases, or even more if they look for chances to stack discounts with Cartwheel and Target subscription services.

However, be careful! If you get behind on payments, this card’s high interest rate & fees can negate the 5% savings. It’s best to pay off the balance every month or choose the Target REDcard debit card version instead.

Alternatively, if you don’t spend at Target very often, there’s likely a better cash back card out there for you.

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Target REDcard Credit Card Tips

  1. If you want to know your Target REDcard Credit Card payment details, like your credit card balance. Please contact the Target REDcard Credit Card customer service or get a Target REDcard Credit Card application.
  2. In order to manage your Target REDcard Credit Card payment online, you need to log in to the Target REDcard Credit Card official website.
  3. About Target REDcard Credit Card login and how to apply for a Target REDcard Credit Card, you need to go to the official website.
  4. Getting a Target REDcard Credit Card application will be a lot of convenience, contact the Target REDcard Credit Card customer service or go to the Target REDcard Credit Card official website to know more details.
  5. Want to know some products discounts or rewards programs? Make sure your Target REDcard Credit Card phone numbers is correct, there will be text alerts.

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