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
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.
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