A peek into the usage of Target redcard credit card and making instant payment through it!

For the regular shoppers at Target, Target RED credit card is a cost-effective option. Which allows them to save five percent every time they make a purchase. It provides great benefits to people like discounts while shopping online as well as in the offline stores. Target credit cards also offer the advantage of an extended time of 30 days for return. And 2-day free shipping of the various items purchased from the website of Target.

Moreover, being a cardholder also gives you the chance to get early access to promotions, products, exclusive coupons, and special events all around the year. Without having to pay any annual fees, you can enjoy all these benefits throughout the year. In addition to these, you can get exclusive deals like special gifts, items, and more on the anniversary date of the Target REDcard. In order to avail of all these facilities, you need to apply for the Target REDcard as soon as you can! After getting the approval and availing the credit card, you can start making payments through the card instantly.

Also read: Get to know all about Mission Federal Credit Union

Here, you will find everything that you need to have knowledge about while making payment using the Target credit card.

How to apply for my Target RedCard?

It is quite easy to apply for your Target REDcard by mail or online. When you choose to apply online. Visit Redcard page. When you scroll down you will see two option “Apply for Credit” and “Apply For debit”. Select what you need.

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After that, you need to fill the forms, provide the essential information, and submit the online application. Your Target REDcard may receive approval immediately or may take  7 to 10 days. Having a good credit history along can increase the chances of your Target REDcard approval too.

Other important criteria to keep in mind when applying for Target REDcard Credit Card:

  • You must possess a US address.
  • Must be 18 years old or above.
  • You will require a social security number.
  • You will also need to have any one of the following: State ID, Driver’s License, or Military ID.

Do I need a credit score?

Yes, having a good credit history is important to get your Target REDcard approved. It is usually recommended to have a FICO credit score of 615 or more for faster approval. However, this credit score is not mandatory.

Where can I use it?

You can use your Target REDcard credit card as well as the debit card only at the physical stores of Target and at the Target.com website. You can also use the Target REDcard at the restaurants & cafes situated within the Target store and avail 5% off on your bill. However, if you have a Target Mastercard, you have the freedom to use it anywhere the Mastercards are accepted.

What about the APR and the other fees?

For people all over the country, Target REDcard is the ultimate deal. If you want to save some money while buying the necessary items for yourself.

APR: Currently, the APR is 22.90% (variable). But if you consider the benefits of the credit card the APR doesn’t seem to be an issue. The discounts and offers that you will be pampered with, definitely make up for the APR any time any day! 

Late Fee: If you forget to make your bill payment within the due date, you will have to pay $24 as a late fee. The subsequent late fee is $38 unless the user has reached the minimum payment within the due date of six consecutive billing periods.

Returned Payment Fee: In case a payment check is not fulfilled by your bank, you will have to pay $27 as a returned payment fee.

So, if you are using the Target RedCard, you need to be consistent regarding payments to keep the operation smooth and get the maximum benefits from it!

Are the fees on the Target redcard worth it?

 For the responsible cardholders, it is definitely worth having the Target REDcard. Clearing all your bills every month on time can help in avoiding the APR as well as late fees and provide you with better value & services.

How is this any different from the other cards?

The Target REDcard is different from other alternatives in many ways. It offers you a 5% discount on all your purchases from Target.com and Target stores. You do not have to make any payment of annual fees like other credit cards. For increased security, Target REDcards come in chip-and-PIN card form. Moreover, with Target REDcard, you can immediately avail of the discounts without having to wait for long. You can even get additional discounts like stacking discounts and Cartwheel discounts through your Target REDcard.

What else can I expect?

With Target REDcard, there are countless other benefits that you can avail of. Some of them are:

  • Extended return policy
  • FREE two-day delivery on selected purchases at Target.com
  • Early access to special products, seasonal promotions, and events
  • Exclusive offers like cardholder anniversary offer, special gifts, and items.
  • No extra transaction fees for making purchases from Target stores at international locations. 

How do I manage my Target Cards?

Individuals having the Target credit card can easily make a purchase and pay online. It is quite simple and easy to make a payment through the Target credit card if you have a steady internet connection. You just need to follow certain steps that are listed below.

Step 1:

First, you need to go to the website of the retail giant, which is Target.com.

Target homepage

Then click on ‘RedCard’, which will take you to a page where you will find ‘Manage My RedCard’ on the upper right corner. 

Redcard Page

Step 2:

Depending on whether you own a Target credit card, Target Debit card, or Target Mastercard, you can select the right option on this page. In case you have already been enrolled, you can skip this step and proceed to the Target login or Sign In option.

Target Login page

However, if you have not yet registered with them, you can apply for the cards and activate them right from this page. All you have to do is fill in the essential details to create an online account and you can get the cards. To complete the process, you will also require card details, last four digits of the security number, name, email address, as well as zip code.

Step 3:

Once you fill in the details and set up your account, you can easily log in using the username and the password. After the Target login, you can view various options on the screen regarding payment & usage. From the options, you need to select ‘Schedule a Payment,’ provide your bank information, and you can make the payment in a safe & secure environment.

Can I pay my Target bill online?

Yes, you can pay your Target bills online. When you are making an online purchase from the Target.com website, you can make the payment of the bill instantly. By using the mobile browser as well as the web browser, you can make the bill payments seamlessly by following a few easy steps to be discussed later in this article.

With the convenient online payment options, you no longer have to go to the Target store & can make the payment of the bills right from the comfort of your home. Paying off all your bills online, at the right time can help you in saving more and avoiding the late fees as well as the interest charges.

How do I log into my Target REDcard?

  • In order to login to your Target REDcard, you need to visit the Target.com website and go to the Target login page. When the homepage has opened, you will have to enter your valid username and password after clicking on the option of ‘Sign In’. This will provide you easy access to your online account on Target.
  • In case you do not have an online Target account, you will have to register first. For carrying out the registration process, you must provide various details as mentioned above. Completing the registration process will enable you to activate your Target REDcard and log in using the username and password.
  • If you forget your username and password, Target has a solution for retrieving the details. By clicking on the link for ‘forgot username/ password’, you can fill up the essential details like your account information & a few other questions and get your new Target login details.

How do I pay by my REDcard?

Whether you have made a purchase at the Target store or through Target.com, you can make the payment using the Target REDcard without any hassles. Even when you avail of different services like having dinner at the restaurants located within the Target store, you can use the REDcard. But, if you want to make a payment through your Target REDcard, there are a number of options. Some of the different options are listed below.

Payment in Store

When you are physically present in the Target store, it’s obvious that you would like to make the payment in person for all your purchases. At the store, with the Target REDcard, you can easily avail 5% discount on selected purchases. To make the in-person payment through the REDcard, you need to head to the Guest Service Desk.

Having the Target REDCard or the billing statement in hand is essential though. This will enable the attendant to search for your account number. Using your account number, the attendant will accept the Target bill payment by applying it to the account.

Payment by Phone

Another way of making the payments of your Target REDcard is through the phone. It is one of the simplest forms of making the payment. In this method, you need to make a call to the customer service team of Target REDcard by dialing 1-800-424-6888. After the automated prompts, you can make a request to speak to the guest service representative of Target and discuss your requirements. This payment usually gets completed within 2 business days.

Payment by Mail

Target also lets its REDcard holders make the payment through the mail. Though it may seem to be old fashioned, it is a preferable option for many people who aren’t comfortable with online transactions. In case you are willing to make the payment by mail, you will have to send it five to seven days prior to the due date in order to ensure that it gets delivered on time. The cardholders receive the monthly bill statement through the mail.

You can tear the stub that is present at the bottom and then send the payment in the given envelope. While sending the payment, make sure to remove the stub and add the account number of your Target REDcard in the memo section. This will enable the payment processor to identify as to which customer account the payment must be credited. However, in case your statement gets misplaced, you can make use of the payment address given below:

Target Card Services
P.O. Box 660170
Dallas, TX 75266-0170

Online Payment

The cardholders of the Target REDcard can also make payment through the online platform. For this, you will have to visit the Target website and go to the Target login page. By using your username as well as password, you can log in to your online account. After your Target login, a screen stating ‘Manage My REDcard’ will appear. Then, you need to click on the option of ‘Schedule a Payment,’ which is present under the tab of ‘Payment Information’ towards the left side of the screen. By following the prompts, you can get the payment amount debited from the savings account.

Can I pay in advance?

While there are several options for making the Target REDcard payment, it may, at times, happen that you have missed the due date. Missing the due date of the payment can increase your overall costs. To avoid the late payment charges on your REDcard, you can schedule the payment in advance. The process of scheduling the advance payment is as follows:

  • Go to the Target login page and then sign in using the username and password.
  • Select the option of ‘Schedule a Payment’ on the page of ‘Manage My REDcard.’
  • Follow the given steps in order to schedule the REDcard payment on an advance date.
  • You can also set ‘payment due’ reminders by visiting the setting section on the REDcard login page and giving alerts.

How is Target customer service?

The Target customer service provides quality help to the customers and answers all their queries, irrespective of how minor or major they are. In case you have any kind of queries related to the Target REDcard credit card or the payment of your bills, you can contact the Target customer service providers anytime anywhere. You can also call the credit card center of Target and resolve all your queries.

Users can visit the FAQ page of the Target login and find appropriate answers to their queries before opting for the customer support executives. To avail of customer support from Target, you can call 1-800-424-6888.


Well, with the Target REDcard, you can enjoy better savings and easily manage the credit card payments online. Easy payment methods, along with a number of other advantages. It make the Target REDcard a highly preferred option among the regular shoppers at Target. Moreover, with the REDcard, you can also enhance your credit scores and get better rewards. So, if you haven’t got your hands on it yet, get it today!