Target Credit Card Apply Easily with Our Guide


Target is a popular store known for its unique home goods and other items. The Target REDcard is Target’s credit card. It offers discounts on all store purchases as well as other specials. The Target credit card is typically offered to applicants with fair credit or better, which means a credit score of 640 or higher.

Target Credit Card Apply Online

Target credit card apply online is an easy process.

  1. First, visit www.target.com and click REDcard near the top right corner of the page.
  2. Click “Apply for credit online” near the middle of the page.
  3. On the next page, scroll down and click “Apply Now.”
  4. Enter your first and last name, your address and answer whether you’ve lived at your address for 12 months or longer.
    Type your email address and phone number. Click “Save and Continue.”
    Verify your identity and income and then review the terms and create your PIN.

Follow the prompts to finish your application.

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Other Ways to Apply for a Target Credit Card

You can also complete a Target.com credit card application by visiting a Target store. Let an associate know you would like to apply for a card.

You can also mail in an application. Visit Target.com and click “REDcard.”

Scroll down toward the bottom of the page. Under the credit card, click “Apply for Target credit card by mail.” Print the application, fill it in, and mail it to the address indicated.

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Target Credit Card Rewards Program

The Target credit card offers you 5 percent off at Target and at Target.com. You also get free two-day shipping on items you order from Target.com. You also get 30 additional to return any items you purchase at Target, whether they are in-store or online purchases.

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Target Credit Card FAQs

Who issues the Target credit card?
TD Bank issues Target credit cards.

Can I avoid paying interest?
You can avoid paying interest on purchases if you pay your balance by the due date.

Is there an annual fee?
There is no annual fee for the Target credit card

Is there a late fee?
If Target receives your payment after the due date, you may be charged a late fee of up to $38. If your payment is returned, you will be subject to a fee of up to $27.

What’s the APR for a Target credit card?
The APR for a Target credit card is 24.65 percent. This rate is variable based on the Prime Rate.

Is there a daily spending limit?
There is no daily spending limit on the Target credit card. You do need to keep your purchases below your total credit limit.

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Target Credit Card Reviews

Overall, Target credit card owners seem happy with the card. They enjoy the 5 percent discount on Target purchases and many have had positive experiences with customer service. Target also regularly reviews customer accounts and provides credit line increases if you keep your account in good standing.

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