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REDcard®

The REDcard delivers 5%* savings and tons of other benefits.

REDcard apperance

Target Debit Card™

  • Works like a check by drawing from your checking account.
  • Pay conveniently, with no bills or late fees.

Target Credit Card®

Charge your Target and Target.com purchases

Three Ways to Apply
Online Apply Now
In Store Find a Target Store

(you'll need a blank check)

Find a Target Store
By Mail
download debit application pdfDownload
Debit Application
download credit application pdfDownload
Credit Application
Card Benefits
Save 5% at Target and Target.com applicable in target debit card applicable in target credit card
Free Shipping at Target.com applicable for target debit card applicable in target credit card
Take Charge of Education® applicable for target debit card applicable in target credit card
Target Pharmacy® Rewards applicable for target debit card applicable in target credit card
REDcard online management applicable for target debit card applicable in target credit card
Extended Returns applicable for target debit card applicable in target credit card
Cash withdrawal at checkout applicable for target debit card

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.

Fees

Annual Fee None
Penalty Fees

bullet Late Payment

 Up to $35

bullet Returned Payment

 Up to $25

How We Will Calculate Your Balance:

We use a method called "daily balance." See your account agreement for more details.

Billing Rights:

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 of 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 credit-worthy 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 statues or court order under Section 766.70, adversely affects the interest of the creditor, Target National Bank, unless the Bank, prior to the time of the credit is granted or an open-end credit plan is entered into, if 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.

REDCard®: Existing Target Credit Cards, Target Visa Credit Cards and Target Debit Cards, and new Target Credit Cards and Target Debit Cards. New cards are subject to application approval.

Target Debit Card Rates & Fees

Return Payment Fee
  • $40 in DE, FL (if EFT amount is greater than $300), MS
  • $35 in CA (except for first return), MD, VA
  • $30 in AL, AK, FL (if EFT amount is $50.01-$300), GA, IA, KS, MN, MT, OH, SC, SD, TN, TX, WY
  • $25 in 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 in 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 are subject to application approval.

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5% REDcard Discount program rules (Scroll down for Free Shipping at Target.com, REDcard Extended Returns program rules, and Target Pharmacy Rewards program rules):

When you use your Target Debit Card™ Target Credit Card® or Target® Visa® Credit Card (each, a "REDcard®") at Target stores in the U.S. or Target.com, you will receive 5% off your purchases. If you use a REDcard in the same purchase transaction with another form of payment, the 5% discount will apply only to the purchase amount tendered to your REDcard. 5% discount applies to eligible purchases minus any other discounts and the value of any promotional Target gift cards received in the transaction. Target reserves the right to discontinue or alter the terms of this program at any time. 5% discount does not apply to the following:

  • Prescriptions, Target Clinic® services and Target Optical® eye exams
  • Target gift cards and prepaid cards
  • Previous purchases
  • Target credit account payments, Target Debit Card cash back and cash advances on the Target Visa Credit Card
  • Target Commercial Interiors® purchases
  • Gift wrap and shipping and handling charges on Target.com purchases
  • Where otherwise prohibited by law

Free Shipping at Target.com (Scroll down for REDcard Extended Returns program rules and Target Pharmacy Rewards program rules):

When you use your Target Debit Card™ Target Credit Card® or Target® Visa® Credit Card (each, a "REDcard®") on Target.com, you will receive free shipping on your Target.com purchases. Offer applies on standard shipping to all 50 states, as well as APO/FPO addresses and Puerto Rico. If you upgrade your shipping method, shipping fees will apply. This offer is not valid on previous orders, or where otherwise prohibited by law. Target reserves the right to discontinue or alter the terms of this program at any time.


REDcard Extended Returns program rules (Scroll down for Target Pharmacy Rewards program rules):

When you make purchases with your Target Debit Card, Target Credit Card or Target Visa Credit Card (each, a “REDcard”) at Target stores in the U.S. or Target.com, you will receive 30 additional days to return the purchases beyond the standard return policy applicable to each of the purchased items. Target reserves the right to discontinue or alter the terms of this program at any time. REDcard extended returns do not apply to the following:

  • Target Mobile Purchases
  • Purchases with a fixed return date
  • Non-returnable items

Target Pharmacy® Rewards program rules:


When you enroll in the Target Pharmacy Rewards program, for every five eligible prescriptions purchased at a Target Pharmacy you will receive a Target Pharmacy Rewards certificate good for 5% off a day of shopping at Target. For prescriptions paid for by a method other than a Target Credit Card®, Target® Visa® Credit Card or Target Debit Card™ enrolled in Target Pharmacy Rewards, you will need to remember to show your Target Pharmacy Rewards card at the point of sale or ask the pharmacy team member to do a phone number lookup.


The Target Pharmacy Rewards program is valid only in the U.S. (except NJ, NY or where prohibited by law). Purchases of prescription drugs paid for in whole or in part by federally funded government programs (e.g., Medicare, Medicaid) will not accumulate toward a savings certificate. Target Pharmacy Rewards certificates will be delivered by mail and are valid only at Target stores.


Target Pharmacy Rewards certificates cannot be redeemed on purchases of prescription drugs. In addition, Target Pharmacy Rewards certificates cannot be redeemed on: purchases of Target gift cards or prepaid cards, purchases at Target.com, Target Commercial Interiors® purchases, previous purchases, Target credit account payments, Target Debit Card™ cash back and cash advances on the Target® Visa® Credit Card, some partner businesses including Target Clinic® services and Target Optical® eye exams, or where otherwise prohibited by law.


If you cancel your HIPAA authorization, participation in the Target Pharmacy Rewards program is terminated and any existing Target Pharmacy Rewards accumulated purchases will be removed from your account.


Target reserves the right to discontinue or alter the terms of this program at any time.