Target RedCard™ Mastercard
- Annual fee
- None
- Recommended credit
- Excellent / Good / Fair
- Card network
- Mastercard
- Regular purchase APR
- 28.15% variable based on the Prime Rate
At a glance
The Target RedCard™ is a family of credit, debit, and prepaid cards from Target and TD Bank, with the most interesting option the no annual fee Target RedCard™ Mastercard. The card offers 5% off on Target purchases, plus 2% cash back on gas and dining, and 1% back on everything else.
Our review of the Target RedCard™ Mastercard
The Target RedCard™ is a popular store credit card offered by Target and issued by TD Bank. It comes in both open and closed-loop versions, with the closed-loop version only usable for Target purchases, while the RedCard™ Mastercard can be used worldwide and offers additional savings.
Get 5% Off at Target
The biggest perk of the RedCard™ store card is the ability to save 5% on eligible Target and Target.com purchases. This discount also applies to other Target services like Starbucks, drive-up purchases, select gift cards, and Shipt orders. However, not all purchases qualify for the 5% discount, such as prescriptions, gift cards, and more.
Mastercard Option Provides Extra Savings
The Target RedCard™ Mastercard offers bonus categories for everyday spending worldwide where Mastercard is accepted. Cardholders earn 2% back on gas or dining purchases and 1% back on all other purchases. However, rewards can only be redeemed for Target GiftCards.
Other Credit Card Options for Target Savings
If the RedCard doesn’t meet your needs, consider other credit card options like U.S. Bank Shopper Cash Rewards™ or TD Double Up Card. Each card offers different benefits and features for saving at Target and other retailers.
Two-Day Free Shipping
RedCard holders can enjoy free 2-day shipping on thousands of items at Target.com. This perk is a great way to save on shipping costs for online purchases.
Other Features
Additional benefits of the RedCard include an extended return window, exclusive offers, discounts, and promotions tailored to cardholders’ interests. The card also includes Mastercard features like Zero Liability Protection and ID Theft Protection.
Should You Apply for the Target RedCard?
If you’re a frequent Target shopper, the Target RedCard Mastercard could be a good fit for you. However, if you’re looking for a versatile rewards credit card, there may be better options available. Consider your spending habits and priorities before applying for the RedCard.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Unlimited 5% savings at Target and Target.com
- 2 % cash back on dining and gas station purchases
- 1% back on all other purchases
- Additional 30-day return policy on select items
- 2-day delivery
- No annual fee
Who this card may suit
- You primarily shop at Target for your groceries or household items
- You want basic rewards for gas and dining purchases
- You have a good or excellent credit score
- You want a card with no annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 28.15% variable based on the Prime Rate |
| Cash Advance APR | 31.15% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 3% of the amount of each cash advance, whichever is greater |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $30 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit Fair Credit.
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Target RedCard™ Mastercard
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