Target RedCard™

The Target RedCard™ is either a store credit card or a Mastercard, designed for frequent Target shoppers. You can get a 5% discount at Target (both in-store and online), free two-day shipping, and an extended return window. Your application can be considered for either the store credit card or the Target Mastercard and your creditworthiness among other factors will determine which card you can get. The Target Mastercard can be used like any Mastercard and also offers cash back rewards on dining and gas. We dive into the details and your approval odds in this Target RedCard review.

Target Redcard

Our Rating

4.0/5.0

Welcome Offer

None

Annual Fee

$0

0% on Purchases

N/A

Reward Rate

Up to 5% off at Target and Target.com

0% on Balance Transfers

N/A

Welcome Offer

None

Features & Benefits

SecurityEMV Chip Enabled
Contactless PaymentsTap to Pay
Benefits24/7 customer service
Travel PerksNone

Rewards

1% cash back
On all other eligible purchases
Earn 1% everywhere else outside of Target. Only for guests approved for a Target Mastercard.
2% cash back
Dining
Earn 2% on dining purchases. Only for guests approved for a Target Mastercard.
2% cash back
Gas
Earn 2% on gas purchases. Only for guests approved for a Target Mastercard.
5% cash back
All eligible purchases
5% off every day at Target and Target.com

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeN/a
Regular APR29.95% (V) APR

What Credit Score Is Required to Get the Target RedCard™

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved11/27/2023
700
Not Provided
---
Approved01/02/2023
669
Equifax
$900
Approved01/02/2023
744
TransUnion
$900

Pros & Cons

Pros
  • No annual fee
  • Free two-day shipping at Target.com
  • 5% off at Target and Target.com
Cons
  • No welcome bonus
  • High APR
  • Requires good credit

What Are the Best Alternatives?

U.S. Bank Shopper Cash Rewards® Visa Signature® Card
U.S. Bank Shopper Cash Rewards® Visa Signature® Card

Rating

4.5

Rewards Range

1.5% to 6% cash back

Annual Fee

$0 for the first year, then $95

Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

Prime Visa
Prime Visa

Rating

4.5

Rewards Range

1% - 10%

Annual Fee

$0

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