The Target RedCard Credit Card is a must-have card for regular Target customers, and it is one of the best credit cards offering generous rewards in the market. This card will save you plenty whenever you shop at Target.

It doesn’t come with too many fees to worry about, and it is available to everyone although, if you have bad credit, you are likely not to qualify for the card. 

The card has got plenty of perks for Target customers, which we will discuss in this review. Additionally, we will look at how you can order this card and the kind of benefits it has to offer you as a cardholder.

Target RedCard Credit Card - Learn How to Order
Image Source: Corporate Target

Target RedCard Credit Card Features

This card has the following features to offer.

5% Discount On All Target Purchases

When you shop at Target using this credit card, you are entitled to a 5% discount on everything you will be buying, except when redeeming gift cards, making purchases at the pharmacy, or for wireless protection.

This is a great deal that has the potential of saving you hundreds of dollars each year. 

No Worries About Annual Fees

This card doesn’t charge any annual fees, and this actually makes it easy for you to justify opening a credit card account to cover your purchases at the store. 

30-days Extra For Returns

This card gives you the option to have 30 days to return the products you have purchases for a full refund. Now, that is a benefit you will not find with most cards, and for the Target die-hard fans, they will appreciate this benefit.

Free Shipping When You Shop At

The credit card facilitates easy purchases online. This is thanks to their standard free shipping for all orders.

All You Need Is Fair Credit To Qualify For The card.

This is great news as Target does not have stringent restrictions on the credit score, and you can qualify for the credit card by simply having a “Fair” credit score of around 620.

Target RedCard Credit Card Fees

When applying for a credit card, it is important to know the fees and interest charged. Below is a list of fees that come with the Target RedCard Credit Card.

  • Regular Purchase APR – Charged at 22.9%.
  • Balance transfers APR – Not allowed.
  • Annual card fee – Charged at $0.
  • Max Latte fee – $40.
  • Over limit fee – $0.
  • Grace period – 25 days.
  • Cash advance APR – N/A.
  • Cash advance fee – N/A.
  • Foreign transaction fee – N/A.

Target RedCard Credit Card Eligibility

To apply for this card, you must meet the requirements. You must be 18 years of age and live in the US. The last requirement is that you must own a US checking account.

How To Apply For The Target RedCard Credit Card?

The card can easily be applied online through the company website. Navigate to the “apply for credit card” link found at the bottom of the page.

Once you click on that link, you will see an application link for both the credit card and the debit card. When applying for this specific card, then you will choose the debit card.

Here is some of the information that you need to include in the application, your name, address, and social security number. As well as your Government-issued ID – this could be your state ID, military ID, or driver’s license.

The last requirement is your banking details, which include your checking account and bank routing number. Kindly log on to the Target website to apply for this card. 

Target Address And Contact Information

To find out more about the Target RedCard Credit Card, it is advisable to contact Target directly. Target can be contacted using the following details. 

Address: 1000 Nicollet Mall, Minneapolis, MN 55403.

Phone: (612) 304-6073.

Target RedCard Credit Card - Learn How to Order
Image Source: The Inventory


This is a credit for die-hard Target customers. The 5% discount is a pretty great incentive for frequent shoppers and one that will keep you going back for more. 

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.