What credit score do you need to open a Target card?

Asked by: Marco Greenfelder III  |  Last update: March 3, 2023
Score: 4.9/5 (4 votes)

You'll need to have at least fair or average credit -- a credit score over 580 -- to qualify for the Target RedCard™. Since it's a closed-loop store card (only good at Target), it may be easier to qualify for than a typical credit card.

Can I get a Target card with 580 credit score?

The Target Credit Card requires a credit score of 640 or over, meaning you will need a fair credit score or better to get it.

Is Target Red Card hard to get approved?

You only need “fair” credit to qualify for the Target RedCard, which means it's possible to get approved with a credit score of just 620. You can see if you're in the ballpark by checking your credit score for free on WalletHub.

What score do you need to get a Target credit card?

You should have a fair credit score to be approved for the Target RedCard. Most reports state a FICO credit score of 615 or higher is recommended but not required.

What credit does Target pull?

The Target Credit Card requires a credit score of 640 or higher, which means the customer will need a fair credit score or higher to get it. Their income, employment status, debts, and housing information are also important. However, in general, the higher their score is above 640, the better their chances of approval.

Target Credit Card - Target REDcard Review

17 related questions found

Do you need good credit for Target RedCard?

You'll need to have at least fair or average credit -- a credit score over 580 -- to qualify for the Target RedCard™. Since it's a closed-loop store card (only good at Target), it may be easier to qualify for than a typical credit card.

What score do you need for a Walmart credit card?

Here's what you need to know about the Walmart Credit Card credit score: Both the Walmart Credit Card and the Walmart® Store Card require fair credit for approval. That means a score of 640+. The Walmart Credit Card can be used anywhere Mastercard is accepted.

What is the minimum credit score for an Amazon card?

The Amazon.com Store Card credit score requirement is at least 640; this means that you need at least fair credit to get Amazon.com Store Card. The better your credit score is, the higher your approval odds will be.

What is the difference between Target RedCard and Target credit card?

If you find yourself at Target often, applying for a RedCard is a no-brainer. Instead of collecting rewards points on a traditional credit card, you'll get an instant discount on every purchase. At 5% off, that's higher than you'd find through any other credit or debit card, not even factoring in the other store perks.

What credit cards can I get with a 590 score?

Best credit cards for a credit score of 580 or lower
  • Best for cash back: Discover it® Secured Credit Card.
  • Best for building credit: Petal® 2 “Cash Back, No Fees” Visa® Credit Card.
  • Best for no security deposit: Credit One Bank® Platinum Visa® for Rebuilding Credit.

Can I get a credit card with a 570 credit score?

It is 130 points away from being a “good” credit score, which many people use as a benchmark, and 70 points from being “fair.” A 570 credit score won't knock any lenders' socks off, but it shouldn't completely prevent you from being approved for a credit card or loan, either.

Does Target debit card run credit check?

Target Debit Card – 5% Off, No Credit Check Required.

Can I use my Target credit card anywhere?

If you have the Target Mastercard, you can use it anywhere that Mastercard is accepted. Other types of RedCard only work in Target stores. When you make a purchase, this will appear on your card. You can then make a payment to the card in several ways, including online.

Is Target circle a credit card?

Is Target Circle a credit card? No. It's a loyalty program that is free to join.

What credit score do you need for PayPal credit?

The minimum PayPal Credit Card credit score required is 700, which is good credit. As long as you have at least good credit, you should qualify for the PayPal Credit Card. If you use PayPal and eBay a lot, or like to eat at restaurants, it's worth the hard inquiry.

What credit score do you need for Sams credit card?

The credit score needed for the Sam's Club® Credit Card is at least 700. That's in the “good” credit range but barely meeting a card's minimum requirements is far from the ticket to high approval odds. You'll need income to make your payments, and the issuer will look at several other factors, too.

Is Creditkarma accurate?

The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus. This means a couple of things: The scores we provide are actual credit scores pulled from two of the major consumer credit bureaus, not just estimates of your credit rating.

What credit score do you need to get approved for a TJ Maxx credit card?

You need fair credit to get approved for the TJX credit card, which means a credit score of 620 or above.

Is Big Lots credit card easy to get?

Yes, the Big Lots Credit Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require. There is no way to pre-qualify for the Big Lots Credit Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points.

What kind of credit card can I get with a 600 credit score?

Credit cards you can get with a 600 credit score
  • Upgrade Visa Card with Cash Rewards: Fair to good (580–740) ...
  • Capital One QuicksilverOne Cash Rewards Credit Card: Fair to good (580-740) ...
  • Mission Lane Cash Back Visa Credit Card: Fair to good (580-740) ...
  • Capital One Platinum Credit Card: Fair to good (580-740)

Can I use my Target REDcard at Walmart?

The Walmart Rewards™ Card and Target RedCard can only be used at Walmart and Target properties, respectively. If you want a credit card that can be used everywhere, the Capital One® Walmart Rewards™ Card can be used anywhere Mastercard is accepted.

Can I use my Target REDcard at Ulta?

You can redeem Target Circle Earnings in the store or online. Simply turn on your earnings before scanning your Wallet barcode to redeem in store, or add as a payment when checking out online. You can redeem Ultamate Rewards points at Ulta Beauty stores or online at Ulta.com.

Can you buy Starbucks with Target credit card?

Debit and credit cards with specific companies in mind Customers who use RedCards may use them just at Target and Target.com, as well as at Starbucks in-store. But you may use your Target MasterCard at any place where MasterCard is accepted, such as Walmart, Kroger, Safeway, Trader Joe's, and JCPenney.

How long does it take to get approved for Target RedCard?

The RedCard credit application is on the Target.com website. You must verify your employment and income, review terms, and create a pin. You may be approved to shop online instantly, or you may have to wait for seven to ten days to get your card, depending on if Target approves you automatically.

What can I get with a 550 credit score?

Credit cards and auto loans offer the best approval odds for someone with a 550 credit score. For example, people with credit scores below 580 take out roughly 12% of car loans versus only 6% of mortgages, according to 2017 Equifax data.