RedCard™ Program Rules : Target (2024)


RedCard benefits and program rules

5% RedCard™ Discount program rules


When you use your Target Debit Card, Target Credit Card or Target™ Mastercard® (each, a “RedCard™”) at Target stores or Target.com, you will receive 5% off on your purchases. If you use a RedCard in the same purchase transaction with another form of payment, the 5% discount will apply only to the purchase amount tendered to your RedCard. 5% discount applies to eligible purchases minus any other discounts and the value of any promotional Target gift cards received in the transaction. Target reserves the right to discontinue or alter the terms of this program at any time.

5% discount does not apply to the following:

  • Prescriptions, over-the-counter items located behind the pharmacy counter and clinic services at Target
  • Target Optical eye exams and protection plans (Target Optical products, such as glasses and contact lenses, do receive the 5% discount)
  • Target GiftCard; Visa, Mastercard and American Express prepaid cards; Game On, DraftsKings, and other sports betting gift cards; and Starbucks gift cards purchased at Starbucks locations within Target stores
  • Previous purchases
  • Target credit account payments, RedCard Reloadable cash reloads, Target Debit Card cash back and cash advances on the Target Mastercard
  • Shipt membership fees
  • Alcohol purchases in Indiana
  • Wireless protection program purchases and deposits required by mobile carrier
  • Gift wrapping services
  • Taxes, shipping, delivery, handling and all other fees or charges
  • Where otherwise prohibited by law

RedCard™ Extended Returns program rules


When you make purchases with your Target Debit Card, Target Credit Card or Target™ Mastercard® (each, a “RedCard™”) at Target stores or Target.com, you will receive 30 additional days to return the purchases beyond the standard return policy applicable to each of the purchased items. Target reserves the right to discontinue or alter the terms of this program at any time.

RedCard extended returns do not apply to the following:

  • Target Optical purchases
  • Non-returnable items
  • Contract mobile phones
  • Online purchases of Supplemental Nutrition Assistance Program (SNAP) eligible items using both Electronic Benefits Transfer (EBT) and a RedCard for payment.

Exclusive Extras

RedCard holders will be offered exclusive extras, including special items and offers (collectively, “exclusive extras”). Every exclusive extra may not be available to every RedCard holder, and the selection of RedCard holders for a specific exclusive extra may be based on criteria, such as previous purchases or geographic location. Exclusive extras are planned throughout the year at our sole discretion and may vary from year to year. Exclusive extras may have limitations and restrictions. Applicable details for a specific exclusive extra will be provided in communications about the exclusive extra.

RedCard™ Free Shipping at Target.com program rules


When you use your Target Debit Card, Target Credit Card or Target™ Mastercard® (each, a “RedCard™”) on Target.com, you will receive free shipping on your Target.com purchases. Offer applies on standard shipping to all 50 states and the District of Columbia as well as APO/FPO addresses and Puerto Rico. If you upgrade your shipping method, shipping fees will apply. Target may offer promotions for free shipping on upgraded shipping methods, and the terms of those promotions will be described in the offer. Select items may require a minimum purchase threshold before the order will be shipped. Orders delivered by Shipt may have a delivery fee. This offer is not valid on previous orders or where otherwise prohibited by law. Target reserves the right to discontinue or alter the terms of this program at any time.

RedCard Free 2-Day Shipping

When you use your RedCard for your Target.com purchases, you receive free standard shipping on most items and free 2-day shipping on eligible items. Thousands of items qualify for 2-day shipping. Item eligibility and assortment vary by market and are determined by the location of the item and the destination ZIP code. If an item is eligible for 2-day shipping, it’ll be noted on the product detail page and on the cart and check out page. Place your order by the order cutoff time to receive 2-day shipping on select items to select ZIP codes. Refer to the product detail page for estimated delivery dates. Visit target.com/2dayshipping for general delivery guidelines.

RedCard™ Program Rules : Target (2024)

FAQs

How does the red card work for Target? ›

Target's RedCard comes in three forms: a Mastercard (open loop card), an in-store-only credit card, or a debit card. The debit card is linked to customers' existing checking accounts, and for the in-store card, users can charge in-store purchases or buy online with the credit card at Target.com.

What is the starting limit for Target RedCard? ›

What is the credit limit for the Target RedCard™? The credit limit for the Target RedCard™ generally ranges from $200 to $2,500 or more. Credit limits tend to start low, but cardholders who consistently pay on time can receive sizable credit limit increases.

How does Red Circle work at Target? ›

How it works. When you pay with a RedCard™, you'll earn one vote to help direct where Target gives for every eligible purchase and continue to save 5% right away. Enter your mobile number or scan your Target Circle™ barcode to redeem saved offers at the same time.

What are the requirements for a Target Credit Card? ›

Here are the Target Credit Card requirements for approval:
  • Minimum credit score: 640+ (at least fair credit)
  • Age requirement: 18 years old.
  • Income requirement: Enough to afford monthly payments (wages, investments, etc.)
  • Citizenship: Must be a U.S. citizen with a valid Social Security Number.

Is there a monthly fee for Target RedCard? ›

The bottom line: The card's generous discounts make it a valuable card for loyal Target shoppers. But if you tend to carry a balance, you'll want to look elsewhere. No annual or monthly fees.

Can I use my Target RedCard without having it? ›

Yes, you can use your Target Credit Card in-store without the physical card. You can add your card in the Target app, and every time you need to pay, you can simply scan the barcode on your phone.

What is the Target REDcard annual fee? ›

Target REDcard™ Summary

Designed for frequent Target shoppers, the Target REDcard™ charges a $0 annual fee and offers cardholders a 5% discount on select purchases at Target stores and on Target.com.

Can I use Target REDcard immediately? ›

Yes, you can use your Target Credit Card instantly after approval.

What is the difference between Target RedCard and Target Circle? ›

RedCard, its store credit or debit card, is being rebranded as Circle Card. And Target introduced Circle 360, a paid membership program akin to Walmart+ and Amazon Prime. Are any of Target's programs worth the time, commitment, and—in the case of Circle 360—price?

What are the benefits of the RedCard? ›

Benefits and perks

The 5% discount doesn't apply to certain categories of items, including prescriptions, eye exams, Target gift cards, taxes and shipping. You'll also get free two-day shipping and an extra 30 days for returns and exchanges. RedCard holders are also eligible for exclusive Target offers.

Is a red card worth it? ›

If you find yourself at Target often, applying for a RedCard is a no-brainer. Instead of collecting rewards points on a traditional credit card, you'll get an instant discount on every purchase. At 5% off, that's higher than you'd find through any other credit or debit card, not even factoring in the other store perks.

How to check Target RedCard limit? ›

You can check your Target Credit Card balance online. Just make sure to enroll in online banking first. Alternatively, you can also check your balance over the phone at (888) 755-5856.

What is the difference between a Target Credit Card and a Target Mastercard? ›

The Target Circle Debit Card and the Target Circle™ Credit Card are "closed-loop" cards, meaning you can use them only at Target or Target.com. The Target Circle Mastercard is an open-loop credit card, meaning you can use it anywhere that takes Mastercard. You can't apply for this card directly.

What happens if I go over my Target credit limit? ›

As mentioned, you could face fees for going over your limit. Your credit card issuer might impose a higher interest rate on your account, or even close your account completely. Or, your credit card issuer might lower your credit limit to reduce its risk going forward.

What is the difference between Target RedCard and Target Mastercard? ›

The Target Credit Card can only be used for purchases at Target, while the Target Mastercard can be used everywhere that accepts Mastercard.

Does Target RedCard debit build credit? ›

The Target credit card is easier to qualify for than most rewards credit cards, so it could be a solid option if you have fair or limited credit history. Your payment history will be reported to the main credit bureaus, giving you the opportunity to improve your credit score if you responsibly pay your bill.

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