Frequently Asked Questions

The Target RedCard also offers other benefits to shoppers, including free shipping from and an additional 30 days to return items beyond the public return window.


RedCard holders may also qualify for exclusive extras based on past purchases or geographic location. Some additional offers and discounts are available to everyone during limited time promotions.

Frequently Asked Questions

Is Target RedCard a credit card?

The Target RedCard comes in many forms. The Target RedCard credit card only works at Target stores and the company’s website. Target credit card with Mastercard logo works at any merchant, store or website. However, the 5% cashback feature only applies to purchases at Target’s retail stores and on its website. Additionally, you can get a Target RedCard as a debit card, which is not a credit card, as it will debit the bank account linked to the card for purchases.

What credit score is required for a Target RedCard?

Target does not specify the minimum credit score required to be approved for a Target credit card. Some banks will approve store cards for people with reasonable credit history or credit scores above 600. However, some banks will approve credit cards for people with credit scores in the 500s. You can be approved with a low rating, but you can get higher. Interest is charged on balances and a lower credit limit is offered to those with higher credit scores.

What is required for the Target credit card application?

Some of the information you will need to provide when applying for a credit card with Target is:

  • Your social security number
  • Surname
  • Household
  • Date of birth
  • Driver’s license number
  • state identification number
  • Your gross annual income, which is your total annual income before taxes.

How do I manage my Target RedCard?

If you have Target Mastercard, you can use it anywhere Mastercard is accepted. Other types of Red Cards only work at Target Stores. When you buy something, it appears on your card. You can make a card payment in several ways, including online.