Target Circle™ RedCard
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The Target Circle™ 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.
Our Rating
4.0/5.0
Welcome Offer
$50
Annual Fee
$0
0% Intro on Purchases
N/A
Reward Rate
Up to 5% off at Target and Target.com
0% Intro on Balance Transfers
N/A
Welcome Offer
Save $50 on a future qualifying purchase over $50 when approved for a Target Circle™ Credit or Debit Card.
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled |
| Contactless Payments | Tap to Pay |
| Benefits | 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 29.95% (V) APR |
What Credit Score Is Required to Get the Target Circle™ 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 numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 669
Average Approved Credit Score: 704
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 11/27/2023 | Not Provided | ||
| Approved | 01/02/2023 | Equifax | ||
| Approved | 01/02/2023 | TransUnion |
Pros & Cons
- No annual fee
- Free two-day shipping at Target.com
- 5% off at Target and Target.com
- No welcome bonus
- High APR
- Requires good credit
What Are the Best Alternatives?
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
Rating
4.4
Rewards Range
1%-3% cash back
Annual Fee
$0
Prime Visa
Rating
4.5
Rewards Range
1% - 10%
Annual Fee
$0