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

  • 5% discount on all eligible Target purchases

  • 10% discount coupon each year on your card anniversary

  • 30 extra days for returns

  • Free shipping on most items at Target.com

  • No annual fee

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    Get $50 off a future qualifying purchase $100 or more when approved for a RedCard (Offer ends 2/20/2021)

  • Intro APR

    N/A

  • Ongoing APR

    Purchase: 22.90%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

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NerdWallet review

By Claire Tsosie

Rating details

4.7

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • No foreign transaction fee

Cons
  • No rewards

  • High APR

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 22.90% 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.