Target RedCard Credit Card
Best for: Regular Target shoppers who want instant checkout savings
Pros
- No annual fee
- 5% comes off automatically
- Comes with shipping perks
Cons
- Really only pays off at Target
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
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.
Target RedCard Credit Card at a glance
| Issuer | Target |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Rewards rate | 5% off at Target & Target.com, plus free 2-day shipping and extended returns |
| Welcome bonus | Discount for new cardholders |
| Intro APR | None |
| Regular APR | High store-card APR (see terms) |
| Foreign transaction fee | N/A |
| Credit needed | Fair to Good (640+) |
| Airport lounge access | No |
| Best for | Regular Target shoppers who want instant checkout savings |
Rewards & perks
- 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
Who should apply
- Credit in the fair-to-good range
Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Target site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
TargetRedCard 5485 8136 1849 2288 VALID THRU 10/31ALEX MORGAN Target RedCard Credit CardRegular Target shoppers who want instant checkout savings |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended r… | None | N/A | Fair to Good (640+) | |
Amazon / ChasePrime Visa Amazon 4813 5646 4964 7475 VALID THRU 01/29JORDAN TAYLOR Prime Visa (Amazon)Prime members who spend heavily at Amazon and Whole Foods |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2… | None | None | Good (690+) | |
SynchronySam's Club Mastercard 5596 3921 3882 2890 VALID THRU 09/32JORDAN TAYLOR Sam's Club MastercardSam's Club Plus members with high monthly fuel spend |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and tak… | None | None | Good (690+) | |
Walmart / OnePayOnePay Walmart Cash Back 5239 9412 6526 0689 VALID THRU 05/29TAYLOR REED OnePay (Walmart) Cash Back CardFrequent Walmart shoppers comfortable with an app-based card |
None | Elevated cash back on Walmart purchases (in store, online & fuel) plus… | None | Varies | Fair to Good (640+) |
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