REDcard® gives you more.

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Scroll down for important rates and fees.1

Target Debit Card

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  • Works like a check by drawing from your existing checking account
  • No annual fee
  • Secured PIN access
  • Cash withdrawal up to $40 at checkout in store

Target Credit Card

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Manage my REDcard

Access your REDcard - check your credit card account balance, make a payment, and review past statements. Check your debit card transaction history and manage your PIN. And don't forget to enjoy exclusive offers available only to REDcard holders.

Manage my REDcard

important notice: data incident involving certain guest information. learn more

Take Charge of Education®

Help us help your favorite school. Choose your kids' elementary school, the neighborhood middle school or any other eligible K–12 school. Target will donate 1% of your Credit or Debit REDcard purchases made at Target and Target.com.

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Stack up the savings.

Sign up for Pharmacy Rewards, fill your first eligible prescription and get 5% off a day of shopping! Even better? Combine your reward with the 5% savings you get every time you use your REDcard! Learn more

* Some restrictions apply. Please scroll down for details.

1There is no annual fee. The variable annual percentage rate (APR) for purchases is currently 22.90%. The APR on your account will vary with the market based on the Prime Rate. The minimum monthly interest charge is $1. Scroll down for 5% REDcard discount and free shipping at Target.com program rules.

Identity Protection Guide

REDcard®: Target Debit Card, Target Credit Card, and Target® Visa® Credit Card. Subject to application approval (Target Visa Credit Card not available to new applicants). 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. Pat 7,562,048 and 8,117,118.

5% REDcard Discount program rules (Scroll down for Free Shipping at Target.com program rules, 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 and the District of Columbia, 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 and purchase one or more eligible prescriptions you will receive a Target Pharmacy Rewards certificate good for 5% off a day of shopping at Target stores in the U.S. and a promotional code good for 5% off an entire purchase at Target.com. Additional Target Pharmacy Rewards certificates and promotional codes (the “Reward”) are earned by purchasing five eligible prescriptions at a Target Pharmacy in the U.S.

The program is valid only in the U.S. and is not available in AR, NJ, NY or where otherwise prohibited by law. Transferred prescriptions may not be eligible to accumulate toward your Reward in all states. Purchases of prescription drugs paid for in whole or in part by federally funded government programs (e.g., Medicare, Medicaid, TRICARE) will not accumulate toward your Reward.

Target Pharmacy Rewards certificates and promotional codes will be delivered by mail. Certificates are valid only at Target stores in the U.S. and promotional codes are valid only at Target.com. Certificates and promotional codes must be redeemed on or before the expiration date listed on the certificate or promotional code. Limit one certificate or promotional code per transaction.

Your Reward cannot be redeemed on purchases of prescription drugs. In addition, your Reward cannot be redeemed for: purchases of gift cards, prepaid cards, previous purchases, Target credit account payments, Target Debit Card cash back and cash advances on the Target® Visa® Credit Card, certain partner businesses including Target Commercial Interiors purchases, Target Clinic services and Target Optical eye exams, or where otherwise prohibited by law.

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.

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.


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.


Pat 7,562,048 and 8,117,118.