Target Red Card Review: Should You Sign Up?

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Target Red Card Review: Should You Sign Up?

Many stores have been taking advantage of loyalty programs to make customers visit their stores more often. Target Red Card is one of the ways that the giant department store found to incentivize loyalty. But, is it advantageous for you, as a customer?

This review will look at what the Target card offers, what kind of perks you can get, the discounts you might receive, and what are the cards’ interest rates. Let’s dive into the Target red card review:

Target Overview 

As the eighth largest retailer in the USA, Target has built a strong reputation with consumers for their reasonable prices and diverse selection of goods on sale. The first Target store was opened in 1962, but the ’s history started long before that — in 1903, when they operated under a different name.

Overall, the is loved by its customers, which results in many positive reviews. Consumer Affairs rates Target as 4.1 stars score, based on 5,111 ratings. In terms of pricing, Target positions its products at a cheaper price, often competing with Walmart and Amazon to deliver the best deals.

What is the Target Red Card

Target Red Card comes in two forms: credit or debit cards. Their credit card is issued by TD Bank USA, N.A. and the debit card is issued by Target Corporation.

Both versions offer 5% discounts on Target purchases on both physical stores and Additionally, there are many benefits such as free shipping and an extended return period on both Target and purchases. Target also gives exclusive discounts to cardholders.

The indefinite 5% off sale applies to pretty much everything except pharmacy purchases, Target gift cards, wireless protection plans, and a few other items. And you don’t have to accrue points like other rewards and cash-back credit cards.

This means that if you see yourself at Target very often, it might be a good idea to apply for a card.

Once Target reviews your profile and gives you a credit card, you can purchase items online or at a physical location. Target uses your purchase history to send you exclusive offers for things that might interest you. This unique aspect of the card means regular shoppers can benefit from a personalized approach.

If you go with the redcard debit card, the money will be debited from your checking account.

Where the Target Red Card Can Be Used

Target’s credit card can only be used at Target’s physical stores’ checkouts and The Target Mastercard can be used anywhere Mastercard is accepted. Target shoppers can also use their rewards credit card at and services located within Target stores as well, such as a Starbucks, but depending on the location these purchases might not qualify for the rewards.

How to Apply for a Target Red Card

There are two ways to apply for the Target Red Card: online or by mail. Applying online tends to be quicker — many people receive an immediate decision. If your background and credit history requires an in-depth search, the decision could take between 7-10 days.

Minimum Credit Score to Get a Target Credit Card

Your credit history is the most important thing to consider when applying for a red card. If you have a score of 615 or higher, then you’ll have no problem passing the checks. Keep in mind you must be 18 years old and have a US address to receive the credit card.

How to Make Target Credit Card Payments

Redcard holders should not have any issues in making payments. There are several ways to make payments:

  • Online
  • In-store
  • By phone
  • By mail

The majority of cardholders prefer to make online payments through Target app as it is the easiest, safest, and fastest way.

Target Red Card Customer Service

Target Red Card customer service tends to promptly answer questions and solve issues. If you have questions about Target’s credit card, you can reach their support team at 1-800-424-6888.

For Target debit card questions, you can call 1-888-729-7331.

Target Red Card Rewards

Target’s credit card offers customers many features that can benefit frequent shoppers. These include:

  • 5% discount on each purchase
  • Free 2-day shipping
  • RedCard special offers
  • Extra 30 days for returns

Target Red Card Benefits

Let’s look at them in more detail:

5% Discount 

Every customer that has a Red Card receives a 5% discount on eligible purchases online and in-store. Some of the items that are exempt from the offer include:

  • Target Optical products and eye exams
  • Medication and OTC products
  • Restaurant merchants including Pret a Manger, Italian Kitchen & D’Amico & Sons
  • Standard shipping fee and gift-wrapping charges
  • Target credit account payments
  • Alcohol purchases in Indiana stores
  • Shipt membership costs

Coffee lovers can take advantage of the 5% discount at every Starbucks located inside a Target store. Customers can also benefit from stacking their discounts to save more money.

Free Two-Day Shipping 

Non-card holders get free two-day shipping for every purchase that costs $35 or more. However, cardholders don’t have any limitations and can take advantage of speedy delivery on all purchases.

RedCard Special Offers 

Holding a Target Credit Card means you get access to exclusive offers and special items throughout the year. There are many deals available, including discounts, gifts, and information about new products. The offers you receive depend on your location, and not all deals are available to every cardholder.

Extra 30 Days for Returns 

As with most stores, Target has a 90-day return policy for all customers. However,  if you have a Red Card rewards card, you can get 30 extra days to return your items. Note that they don’t offer extended returns for optical goods.

Automatic Points 

In general, when credit card points are earned on these department stores, it takes up to weeks until companies apply them to the customer’s account. Target automatically adds the points to your account, which means you can use your discount immediately.

There are no annual payments, which means that you can spend and save at the same time.

How Do Target RedCard Rewards Work?

If a department store wants to encourage people to apply for their credit card, they must have a fabulous rewards scheme. Target stands up against the competition with the of rewards they offer and how easy it is to receive them.

Cartwheel discounts are available for cardholders and offer some huge savings. The offer runs throughout the year and extends offers for a limited amount of time. These offers include savings of up to 50% on purchases for eligible items.

The Benefits of Getting a Target Red Card

Target cards have many benefits, as we’ve seen above. Customers can access a range of excellent offers, and the 5% discount on most purchases means you’ll save money on everything from clothing to coffee.

It’s clear that a Target credit card is an attractive option for loyal customers, but do the benefits outweigh the disadvantages?

Perhaps the biggest advantage of applying for a Target Red Card is the of special offers available for loyal customers. The cartwheel scheme allows customers to receive huge discounts on eligible products, and regular shoppers can pick up some fantastic items for a fraction of the retail price.

Besides that, Target’s cardholders can also access extra benefits such as:

  • 10% off on your birthday
  • 10% off on, and more.

Target red card extra benefits

The Drawbacks of the Target Card

One disadvantage of a Target credit card is that you can only use it in Target stores or online. However, most store credit cards have the same approach. Therefore,  if you shop at the store regularly, they should not be a problem.

Target Red Card Credit Card Costs & Fees

There are several stipulations involved with the Target credit card, including high-interest charges and late payment fees. Let’s look at them in more detail:

APR Rate…………………………23.90% Variable

Returned Payment Fee………..$27

Late Payment Fee…………………$24

One good aspect is that there’s no annual fee involved with Target Red Card.

While these rates might seem quite severe, they’re a common practice in most store cards. You can avoid the high-interest rate and late fees by budgeting and paying off your purchases in time.

Target Credit Card Review: Is It Worth It? 

We’ve looked into everything that Target’s credit card offers and examine the pros and cons. So, is it worth going through the application process? The short answer is that it depends on how often you plan to shop at Target.

The card offers many benefits for regular shoppers, and the 5% discount is a desirable prospect for customers. However, if you struggle to manage your finances, then you should think twice about getting a card. High-interest rates and late payment fees can get you into serious debt.

Customer reviews are positive, with CardRates giving the credit card a rating of 4.1 out of 5. With no annual fee, it’s worth having the card because even if you don’t make a purchase, you won’t have anything to pay.

We recommend you to check out other options before making your final decision. Other stores such as WalmartTJ MaxxMacy’sCostco, and Lowe’s also offer similar cards.

There are plenty of store cards around, but we believe that Target has created an excellent option for shoppers.