The REDcard delivers 5%* savings and tons of other benefits.
Target Debit Card
Target Credit Card®
|Three Ways to Apply|
|In Store|| Find a Target Store |
(you'll need a blank check)
|Find a Target Store|
|Save 5% at Target and Target.com|
|Free Shipping at Target.com|
|Take Charge of Education®|
|Target Pharmacy® Rewards|
|REDcard Online Management|
|Cash Withdrawal at Checkout|
Target Debit Card and Target Credit Card can only be used at Target.com and at Target stores in the United States.
Target Credit Card Rates & Fees
Your application will be considered for a Target Credit Card, and your qualification for an account may depend on your creditworthiness or other factors.
Interest Rates and Interest Charges
|Annual Percentage Rate (APR) for Purchases:|| 22.90% |
This APR will vary with the market based on the Prime Rate.
|How to Avoid Paying Interest||Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.|
|For Credit Card Tips from the Consumer Financial Protection Bureau||To learn more about factors to consider when applying for or using a credit card, visit the website of Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore Opens in a new window.|
| Penalty Fees |
|Up to $35|
|Up to $25|
How We Will Calculate Your Balance:
We use a method called "daily balance." See your account agreement for more details.
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Notice to California Residents
Married applicants may apply for separate accounts.
Notice to Delaware Residents
Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.
Notice to Maryland Residents
Finance charges will be imposed in amounts or at rates not in excess of those permitted by law.
Notice to New York Residents
A consumer credit report may be ordered in connection with this application, or subsequently with the update, renewal or extension of credit. Upon your request you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report.
Notice to Ohio Residents
The Ohio Laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Notice to Rhode Island and Vermont Residents:
A consumer credit report may be ordered in connection with this application, or subsequently for purposes of review or collection of the account, increasing the credit line on the account, or other legitimate purposes associated with the account. If you are a Vermont resident, you consent to the obtaining of such reports by signing or otherwise submitting a credit application.
Notice to Married Wisconsin Residents
No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70, adversely affects the interest of the creditor, TD Bank USA, N.A., unless the Bank, prior to the time of the credit is granted or an open-end credit plan is entered into, is furnished a copy of the Agreement, Statement or Decree, or has actual knowledge of the adverse provision. IF I AM A MARRIED RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF MY MARRIAGE OR FAMILY. Married applicants must provide their Social Security number and address and their spouse’s name and address to Target Card Services, P.O. Box 673, Minneapolis, MN 55440.
Target Debit Card Fees
|Amount||State in which EFT occurred|
|$40||DE, FL (if EFT amount is greater than $300), MS|
|$35||CA (except for first return), MD, VA|
|$30||AL, AK, FL (if EFT amount is $50.01-$300), GA, IA, KS, MN, MT, OH, SC, SD, TN, TX, WY|
|$25||AZ, AR, CA (first return only), DC, FL (if EFT amount is less than $50), IL, KY, LA, ME, MA, MI, MO, NE, NV, NH, NJ, NM, NC, ND, OK, OR, RI, VT, WA, WV, WI|
|$20||CO, CT, HI, ID, IN, NY, PA, UT|
REDcard®: Existing Target Credit Cards, Target® Visa® Credit Cards and Target Debit Cards, and new Target Credit Cards and Target Debit Cards. New cards subject to application approval. The REDcard credit cards are issued by TD Bank USA, N.A. The REDcard debit card is issued by Target Corporation. VISA is a registered trademark of VISA USA, Inc.