Verdict · Updated April 2026
Target REDcard Credit Card for First Credit Card
The Target REDcard Credit Card is a solid pick for first credit card — ranked #17 of 47 eligible cards. It's a reasonable choice but not the category leader; check the alternatives below before committing.
Rank #17 of 4765th percentileSolid option — check alternatives
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Target REDcard Credit Card
TD Bank · No annual fee
A 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.
Full card review
Earn math — First Credit Card profile
Based on typical first credit card spending of $9,720/year across the categories below.
Annual rewards
$0
Annual fee
$0
Net value
$0
Easy approvalZero feeSimple rewardsReports to all 3 bureaus
Where the Target REDcard Credit Card wins for first credit card
- Approvable with fair credit (580-669 FICO)
- Zero annual fee — no fixed cost to worry about
- Simple reward structure — easy to maximize without category tracking
Top 3 alternatives for first credit card
Cards that rank higher than or close to the Target REDcard Credit Card on our first credit card scoring model.
How the Target REDcard Credit Card performs for other use cases
Frequently asked questions
Is the Target REDcard Credit Card a good card for first credit card?⌄
The Target REDcard Credit Card is a solid pick for first credit card — ranked #17 of 47 eligible cards. It's a reasonable choice but not the category leader; check the alternatives below before committing.
How much can I earn with the Target REDcard Credit Card on first credit card spending?⌄
At the typical first credit card spending profile of $9,720/year, this card earns approximately $0 in rewards — net $0 after the $0 annual fee.
What are better alternatives to the Target REDcard Credit Card for first credit card?⌄
Our top 3 alternatives are Chase Freedom Rise, Bank of America Travel Rewards for Students, Discover it Student Cash Back. Each ranks higher on our use-case scoring model for first credit card.
What credit score do I need for the Target REDcard Credit Card?⌄
The Target REDcard Credit Card typically requires fair credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Target REDcard Credit Card's annual fee worth it for this use case?⌄
The Target REDcard Credit Card has no annual fee — there's no breakeven to clear, so any rewards earned on first credit card spending are pure profit.
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