Target REDcard Credit Card
No fee
TD Bank
Target REDcard Credit Card
4.0
(5,678 reviews)cashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026A straightforward store card: 5% off every Target purchase, free shipping on Target.com, and 30 extra days for returns. Stacks with Target Circle promotions. No annual fee and easier approval than most cards, but useless outside Target.
Annual Fee
No annual fee
Purchase APR
22.49%
Rewards
No rewards
Sign-Up Bonus
None
Credit Score
Fair (580-669)
Foreign Txn Fee
3%
Who Should Get This Card
The Target REDcard Credit Card is best suited for those building credit who frequent target shoppers. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- 5% off all Target purchases
- Stacks with Target Circle
- Free shipping
- Frequent Target shoppers
Consider another card if you…
- Only useful at Target
- No sign-up bonus
- No rewards outside Target
Rewards Breakdown
5% off at Target & Target.com
| Category | Rate |
|---|---|
| Target Stores | 5% |
| Target.com | 5% |
| Everything else | 0% |
Rewards Distribution
5%
top rate
Target Stores5%50%
Target.com5%50%
Everything else0%0%
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 22.49% |
| Balance Transfer Fee | None |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $30 |
Pros & Cons
5% off all Target purchases
Stacks with Target Circle
Free shipping
Easy approval
Only useful at Target
No sign-up bonus
No rewards outside Target
High APR
The Bottom Line
The Good: The Target REDcard Credit Card stands out for its 5% off all target purchases.
The Not So Good: Only useful at Target.
Our Verdict: The Target REDcard Credit Card scores 6/10 — a solid option for frequent target shoppers. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Target REDcard Credit Card?▾
The Target REDcard Credit Card has no annual fee — you'll never be charged just for keeping the card open.
What credit score do I need for the Target REDcard Credit Card?▾
The Target REDcard Credit Card is recommended for applicants with fair (580-669) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Target REDcard Credit Card charge a foreign transaction fee?▾
Yes, the Target REDcard Credit Card charges a 3% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the Target REDcard Credit Card?▾
The Target REDcard Credit Card has a variable purchase APR of 22.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Target REDcard Credit Card best for?▾
The Target REDcard Credit Card is best for Frequent Target shoppers. A key advantage: 5% off all target purchases.
Customer Reviews
4.0
5,678 reviews
5
0
4
0
3
0
2
0
1
0
No reviews yet. Be the first to review this card.
Was this page helpful?
