Target RedCard (Credit Card) 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Target RedCard (Credit Card)4.0/5

Target

Annual fee
$0
Rewards rate
5%-1%
Welcome Bonus
$50
Apply Now →on Target's website
Regular APR:18.49%-28.49% Variable APR

  • 5%Instant discount on eligible purchases at Target
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Welcome Bonus:

Earn $50 in Target Circle Rewards after spending $50+ on qualifying purchases within the first 60 days.

Reward Rate:

Earn an instant 5% discount on most eligible purchases at Target and Target.com, plus perks like free 2-day shipping.

APR:

18.49%-28.49% Variable APR

The Target RedCard (Credit Card) is an excellent choice for frequent Target shoppers, offering an automatic 5% discount on purchases, which can lead to significant savings over time. Its no annual fee structure makes it accessible, although the high APR means it’s best used for those who pay off their balance in full.

Pros:

  • Instant 5% discount on purchases
  • No annual fee

Cons:

  • High variable APR
  • Limited to Target purchases
Apply now →

The Target RedCard (Credit Card) is particularly suitable for regular Target shoppers who can benefit from the 5% discount on purchases and appreciate the absence of an annual fee. However, potential users should be mindful of the high APR, making it advisable for those who consistently pay off their balance in full to avoid interest charges.

Frequently Asked Questions