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⚖ Add to comparisonTarget · Mastercard
Target RedCard Credit Card
Straightforward value if you shop Target regularly: 5% off almost everything at Target and Target.com, applied at checkout rather than as points, plus free shipping and a longer return window. Spend $3,000 a year there and that's $150 saved automatically. It's a closed-loop card, so it's worthless anywhere else and shouldn't be your general-purpose card. There's no annual fee. Confirm exclusions (some items don't get the 5%) on target.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓5% taken off at checkout
- ✓Shipping at no charge
- ✓An extra 30 days to make returns
👍 Pros
- + No annual fee
- + 5% comes off automatically
- + Comes with shipping perks
👎 Cons
- – Really only pays off at Target
Can you get it?
- ▸Credit in the fair-to-good range
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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