Best for Everyday Shopping
- You'll save 5% on all your Target and Target.com purchases, with just a few exceptions
- You can get even more discounts when you use the Target Cartwheel app (up to 50%), and free shipping on Target.com purchases
- You'll get an extra 30 days to return items purchased with the card
Variable APR24.15% variable
Cash Advance APRN/A
Bonus OffersGet a 10% off coupon every year on your account anniversary, plus other exclusive extras like free shipping on Target.com orders and 30 extra days for returns.
- Rated #3 in 6 Best Store Credit Cards
- Save 5% at Target and Target.com.
- REDcard gives you 30 extra days for returns.
- Combine your everyday 5% savings with Cartwheel, Target Subscriptions, and coupons.
- Free Shipping at Target.com.
- Exclusive extras: Special items, offers, and 10% off coupon as a gift on your REDcard anniversary each year.
Our Detailed Review
- The card charges a high APR
- It's a closed-loop card, so you can't use it anywhere else
Application Process: Online or in-store. Approval can take as little as 60 seconds.
Annual Fee: None.
APR: A variable rate of 24.15%. There's no penalty or cash advance APR.
Rewards: You'll get a 5% discount on Target and Target.com purchases in lieu of traditional rewards.
Bonus Offers: You'll get a 10% off coupon every year on your account anniversary, plus other exclusive extras like free shipping on Target.com orders and 30 extra days for returns.