Target RedCard Credit Card
Save 5% on nearly everything at Target and Target.com, with free shipping and an extended return window.
Why it ranks
- No annual fee
- Automatic 5% savings
- Shipping perks
What holds it back
- Only useful at Target
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
Save 5% on nearly everything at Target and Target.com, with free shipping and an extended return window.
Target RedCard Credit Card at a glance
| Issuer | Target |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Discount for new cardholders |
| Rewards rate | 5% off at Target & Target.com, plus free 2-day shipping and extended returns |
| Intro APR | None |
| Regular APR | High store-card APR (see terms) |
| Foreign transaction fee | N/A |
| Credit needed | Fair to Good (640+) |
| Best for | Regular Target shoppers |
| Airport lounge access | No |
Rewards & benefits
- 5% instant discount
- Free shipping
- Extra 30 days for returns
Eligibility & who it suits
- Fair-to-good credit
How to apply
Check current rates on Target’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | TTargetRedCardNo annual fee · US Target RedCard Credit CardRegular Target shoppers |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended returns | Discount for new cardholders | N/A | Fair to Good (640+) | |
| 2 | A/Amazon / ChasePrime Visa AmazonNo annual fee · US Prime Visa (Amazon)Amazon Prime members and frequent online shoppers |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dini… | Amazon gift card on approval | None | Good (690+) | |
| 3 | SSynchronySam's Club MastercardNo annual fee · US Sam's Club MastercardSam's Club members who buy a lot of gas |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% o… | Statement credit after a qualifying purchase soon after open… | None | Good (690+) | |
| 4 | W/Walmart / OnePayOnePay Walmart Cash BackNo annual fee · US OnePay (Walmart) Cash Back CardRegular Walmart shoppers |
None | Elevated cash back on Walmart purchases (in store, online & fuel) plus a base ra… | Promotional cash back for new members | Varies | Fair to Good (640+) |
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