The RedCard credit cards (Target Credit Card and Target Mastercard) are issued by TD Bank USA, N.A. The RedCard debit card is issued by Target Corporation. Mastercard is a registered trademark of Mastercard International, Inc.
Applying for the Target RedCard
You may be approved instantly, or your application may require further review. It can take up to 7-10 days to find out if you have been approved for the card. Potential applicants should have a fair credit history.
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.
The Target credit card, called the RedCard, is a credit card that can be used in Target's retail stores and on the store's website. The Target RedCard features and benefits include a 5% discount on purchases at Target, no annual fee, and an extra 30 days for returns and exchanges.
Your ability to make on-time payments accounts for 35% of your FICO credit score. ... If you're making regular, on-time payments toward your Target REDcard and keeping an eye on your overall credit utilization ratio, a Target credit card may help build your credit.
Target's RedCard comes in three forms: a Mastercard (open loop card), an in-store-only credit card, or a debit card. The debit card is linked to customers' existing checking accounts, and for the credit card, users can charge in-store purchases or buy online with the credit card at Target.com.
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.
You can check your Target Credit Card application status by calling (800) 424-6888. It may take up to 10 days to get a decision on your application. Once approved, you'll get your card, agreement and any welcome materials in the mail within 7 to 10 business days.
No, you cannot use the Target Credit Card anywhere. The Target Credit Card, also known as the Target RedCard, can only be used at Target stores, online at target.com, or through the Target mobile app because it is a store credit card.
Your Target Credit Card credit limit will be determined based on your overall creditworthiness, including income and credit score. Initial credit limits tend to be in the vicinity of $500, but they will vary according to each approved applicant's creditworthiness and overall financial situation.
Guest service
For help regarding your Target.com order, store experience or RedCard: Visit us at Target.com/ContactUs to reach the right team. Call us at 1.800. 440.0680.
You can check your Target Credit Card application status by calling (800) 424-6888. It may take up to 10 days to get a decision on your application. Once approved, you'll get your card, agreement and any welcome materials in the mail within 7 to 10 business days.
Yes, the Target Credit Card does a hard pull on each applicant's credit reports. When credit cards like the Target Card do a hard pull, or hard inquiry, they check an applicant's credit reports to confirm their creditworthiness. Unfortunately, pre-qualifying with only a soft pull isn't an option.
But when she called the customer service number provided, she was told her application was declined due to a lack of check writing history with Target. ... But, in fact, you can be turned down for a debit card, though the reason is most often due to prior checking account problems.
Qualify with even “fair” credit.
You only need “fair” credit to qualify for the Target RED Credit Card, which means it's possible to get approved with a credit score of just 620.
The debit card does not require a credit check to apply. You must be 18 to apply for the credit card, but you only need to be 16 to apply for the debit card. Both cards provide a 5% discount at Target, and they each have all the benefits listed above.
Yes. After being approved for the Target RedCard, the cashier should give you a receipt with your credit limit, the credit limit, the date, your signature, etc, until you receive your physical card in the mail. It will have a bar code that can be scanned. There will also be a receipt with bar code for the debit card.
No, unfortunately it is not. Target gift cards are exclusive to Target just as Amazon gift cards are exclusive to Amazon. You paid Target for the gift card, so it doesn't make sense that Amazon would allow you to use it on their website.
When you use your RedCard for your Target.com purchases, you receive free standard shipping on most items and free 2-day shipping on eligible items. Thousands of items qualify for 2-day shipping. Item eligibility and assortment vary by market and are determined by the location of the item and the destination ZIP code.
Target's REDcard products include a debit card and two credit cards, all of which have an annual fee of $0 and offer the same 5% discount. ... The Target REDcard Mastercard is an open-loop credit card, meaning you can use it anywhere that takes Mastercard. You can't apply for this card directly.
Those with lower scores may qualify for the Walmart credit card, which is an affiliated, store-only card. Both cards are issued by Capital One, one of the major banks in the U.S.
Target GiftCards can be redeemed, for all or part of their value, anywhere in a Target store or on Target.com. Target GiftCards can be used: ... At Starbucks within Target stores.
The RedCard is a store card, which means it can only be used on purchases at Target and Target.com. However, frequent Target shoppers can benefit from this no annual fee card.
JCPenney (and more!)
Additionally, each of the 3 Target RedCards can pay for goods at the Starbucks located inside Target stores and the in-store CVS pharmacies in most urban regions.
For the avid Target shopper, the Target REDcard Debit Card is your ticket to exclusive perks and savings. You'll get 5% off Target purchases and access to benefits like free two-day shipping and 30-day extended returns. This is a debit card, however, so you'll be making payments directly from your checking account.