Target REDcard™ Credit Card
Target REDcard™ Credit Card
Target REDcard™ Credit Card
Card details
Save 5% every day at Target and Target.com
Exclusive extras, including special items, offers
Free shipping on most items at Target.com
30 extra days for returns
Stack your 5% RedCard savings with Circle™ Offers and Target Subscriptions savings
Rates, fees & offers
Annual fee
$0
Rewards rate
N/A
Bonus offer
N/A
Intro APR
N/A
Ongoing APR
Purchase: 23.15%, Variable
Foreign transaction fee
None
Recommended credit score
NerdWallet review
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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 23.15% 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.
