Credit Cards

Target RedCard Review: Save More With a 5% Discount

Our Target RedCard review reveals how you can enjoy 5% off on purchases, extended return policies, and exclusive extras. Keep reading and learn more!


Exploring the Benefits and Drawbacks of Target RedCard

Target RedCard
Target RedCard Review: Save More With a 5% Discount. Source: RedCard

If you’re a shopper at Target, check out a secret weapon for saving. Meet the Target RedCard Credit Card in this review, the key to unlocking a 5% discount on all purchases.

Target RedCard

Apply for a Target RedCard: $0 annual fee

Learn how to apply for the Target RedCard in simple steps and maximize your savings at Target. Keep reading!

Delve into the perks, and drawbacks of this card, assisting you in making an informed decision about whether it’s the perfect fit for your shopping needs. Read on!

  • Credit Score: 690-850 (Good – Excellent);
  • Annual Fee: $0;
  • Purchase APR: 28.15% variable;
  • Cash Advance APR: N/A;
  • Welcome Bonus: N/A;
  • Rewards: 5% off on purchases at Target and Target’s website.

Target RedCard: how does it work?

The Target RedCard comes in three varieties: the Target RedCard Credit Card, Reloadable Card, and Debit Card. Here’s what you need to know:

1. Save Money

You’ll get a 5% discount on daily purchases at Target stores and That’s like paying less for the stuff you love.

2. No Extra Costs

There’s no yearly fee or monthly charges to worry about. Then you won’t have to pay extra just to have the card.

3. More Time for Returns

If you need to return something, you get an extra 30 days. That means no rush to bring things back.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

4. Free Shipping

In addition, you can get free standard shipping for most things you buy on

In addition, if it’s eligible, you can even get free 2-day shipping.

5. Exclusive Perks

As a RedCard holder, you can also access special offers and extras others don’t get.

You can take out up to $40 in cash when checking out at Target. It’s quick and convenient. However, it is not available for the Credit Card.

Target RedCard: should you get one?

Target RedCard
Exploring the Benefits and Drawbacks of Target RedCard. Source: RedCard

The Target RedCard is an excellent choice for frequent Target shoppers who want to maximize their savings and also enjoy exclusive perks.

So, if you often find yourself filling your cart at Target, this card can be a valuable addition to your wallet.

Here is a quick rundown of the Target RedCard pros and cons to review before deciding to get it.


  • Excellent rewards with 5% off at Target and;
  • No annual or monthly fees;
  • Extended return policy;
  • Exclusive extras and offers for RedCard holders.


  • High APR;
  • Limited usability only at Target stores and

Credit score required

Indeed, to get the Target RedCard, you’ll need a good to excellent credit score. But don’t hesitate to take your chances.

Target RedCard application: how to do it?

Want to apply for the RedCard of Target? Then read on to the ultimate guide below!

Target RedCard

Apply for a Target RedCard: $0 annual fee

Learn how to apply for the Target RedCard in simple steps and maximize your savings at Target. Keep reading!

About the author  /  Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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