Target REDcard™ Credit Card

Target REDcard™ Credit Card

Target REDcard™ Credit Card

Target REDcard™ Credit Card

Target REDcard™ Credit Card

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Card details

  • Save 5% every day at Target and Target.com

  • RedCard Exclusives including special items and offers

  • Free 2-day shipping on hundreds of thousands of items

  • More return time — get an additional 30 days for returns and exchanges

  • Earn 2% on dining and gas purchases and 1% everywhere else outside of Target: Target Mastercard exclusive

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1%-5%

  • Bonus offer

    N/A

  • Intro APR

    N/A

  • Ongoing APR

    Purchase: 26.65%, Variable

  • Foreign transaction fee

    None

Recommended credit score

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NerdWallet review

By Claire Tsosie

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4.5

Editor's overall rating

Pros and cons

Pros

  • No annual fee

  • Relationship rewards for customers

  • New cardholder bonus offer

Cons

  • Must be a member/customer

  • Limited redemptions

  • High APR

  • Requires good/excellent credit

For frequent Target shoppers, the benefits offered on the Target REDcard™ Credit Card hit the bull's-eye.

This card features a generous 5% discount on all eligible Target purchases. Because you get those upfront savings at checkout, you don't need to worry about accruing and redeeming rewards. It also offers a 10% discount every year on your cardholder anniversary.

The annual fee is $0.

This card isn't the best choice if you plan to carry a balance since it comes with a steep ongoing APR: The ongoing APR is 26.65% Variable. But if you plan to pay your credit card bill in full every month and shop at Target regularly, it's a valuable offer.

For more information, read NerdWallet's full review.