| Rewards | 5% off any purchase made at Target or target.com. Free shipping on all orders made at target.com. 30 extra days allowed for all returns on Target goods. |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
| Late Payment Fee | Up to $35 |
| Purchases APR | 22.90% APR |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
Good for frequent Target shoppers, but limited outside that world
As someone who shops at Target regularly (weekly grocery runs, household items, etc.), the Target RedCard Credit Card made sense. The discount at checkout is immediate which is nice, and the card integrates well into Target’s ecosystem (app, stores, etc.).
However: when I use the card outside of Target (some online, travel, etc.), the rewards/benefits aren’t as strong compared to general-purpose cards. Also, if Target stops a promotion or changes terms, you may feel the impact. If your spending is heavy outside Target, you might be missing out on better overall rewards elsewhere.
The best card ever love it!
Excellent card with the 5% off any purchase, plus the use of cartwheel and the in store discounts. I am very pleased!