Yes, the Target REDcard™ Credit Card can only be used at Target stores and on Target.com. It cannot be used at other retailers or online merchants. The card is designed specifically for Target shoppers who want to save money on their purchases at the store and online. The 5% discount offered by the card is only applicable to eligible purchases made at Target, and there are certain exclusions to the discount, such as prescriptions, Target Optical eye exams, and Target gift cards and prepaid cards. Cardholders should refer to the card’s terms and conditions for a full list of exclusions. However, the card does come with additional benefits, such as free standard shipping on Target.com, extended return windows, and exclusive offers and early access to promotions, making it a valuable option for frequent Target shoppers.

The 5% discount offered by the Target REDcard™ Credit Card is applied at checkout on eligible Target purchases, which excludes certain purchases such as prescriptions, Target Optical eye exams, and Target gift cards and prepaid cards. For a full list of exclusions, see the card’s terms and conditions.

You can apply for the Target REDcard™ Credit Card online or in-store. To apply online, visit the Target website and fill out the application form. To apply in-store, visit any Target store and fill out an application form. It’s important to note that the issuer will consider your credit score, income, and other factors when reviewing your application.

The ongoing APR for purchases with the Target REDcard™ Credit Card is 27.15% variable, which is relatively high. It’s important to note that the card’s generous discounts make it a valuable card for loyal Target shoppers, but if you tend to carry a balance, you’ll want to look elsewhere.