Target REDcard™ Credit Card review: Unlock Exclusive Discounts and Free Shipping
In this Target REDcard™ Credit Card review you'll learn about this card's numerous benefits for Target shoppers at no annual fee.
Get Extra Perks for Target Shoppers with No Annual Fee
In this Target REDcard™ Credit Card review, we’ll take a closer look at its exclusive discounts and free shipping for frequent Target shoppers.
- Credit Score: Good to Excellent (690-850)
- APR: 27.15%, Variable
- Annual Fee: $0
- Fees: N/A
- Welcome Bonus: N/A
- Rewards: 2% cashback on all purchases you make at Target; 1% cashback on all purchases outside of Target, 5% discount on eligible Target purchases
The Target REDcard™ Credit Card is best for frequent Target shoppers. It’s great if you pay your bills in full, seeking exclusive discounts and free shipping.
Keep reading and learn all you need to know about this card.
Target REDcard™ Credit Card: how does it work?
The Target REDcard™ Credit Card is a store card that is ideal for frequent Target shoppers.
This $0-annual-fee card provides a 5% discount on all eligible Target purchases. This makes it a great option for shoppers who want to save money upfront.
In addition, the card offers exclusive offers, gifts, and early access to certain promotions for cardholders.
It also comes with other perks like free standard shipping, free 2-day shipping on qualifying items, and 30 days of extra time to return purchases.
While the card’s 5% discount is a great benefit for Target shoppers, it doesn’t apply to certain purchases.
For example, prescriptions, Target Optical eye exams, or Target gift cards and prepaid cards don’t get the 5% discount.
The ongoing interest rates of the card are high. That means that it’s not good for individuals who plan to carry a balance.
However, for those who pay their bills in full every month and are looking for extra savings, the Target REDcard™ Credit Card is a great choice.
To qualify for the Target REDcard™ Credit Card, you need to have good to excellent credit, generally defined as a credit score of 690 or better.
The card has some drawbacks, such as its limited redemptions, high APR, and the fact that it can only be used for Target purchases.
Nevertheless, the valuable discounts, exclusives, and other benefits make it one of the most rewarding credit cards available for frequent Target shoppers.
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Significant benefits and disadvantages of the Target REDcard™ Credit Card
We have arrived at the high point of our Target REDcard™ Credit Card review: the comparison between the card’s benefits and disadvantages. Check out the list below.
- 5% discount on Target purchases.
- No annual fee.
- Free shipping on Target.com.
- Additional 30-day return window.
- High ongoing APR (27.15%).
- Limited redemptions.
- Can only be used at Target.
- Requires good/excellent credit.
Is a good credit score required for applicants?
Yes, the Target REDcard™ Credit Card requires a good to excellent credit score. This generally means a credit score of 690 or higher.
However, credit scores alone are not enough for approval, as the issuer will also consider other factors such as income and credit history.
Learn how to apply and get a Target REDcard™ Credit Card
If you’re interested in the Target REDcard™ Credit Card after reading our review, our easy-to-use application guide can help you apply in minutes.
About the author / Danilo Pereira
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