Saving money at Target is easier than ever with the Target RedCard.
This handy card offers great perks for regular shoppers.
You can sign up for a Target RedCard online, in-store, or through the Target app in just a few simple steps.
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The RedCard comes in three types: a credit card, a debit card, and a reloadable card.
Each offers a 5% discount on most Target purchases.
Plus, you get free shipping on many items and extra time for returns.
It’s a smart choice for anyone who shops at Target often.
Joining is quick and easy.
You’ll need to provide some basic info and choose which card type works best for you.
Once approved, you can start using your new RedCard right away to save money on your Target shopping.
Key Takeaways
- Target RedCard offers 5% off most purchases and free shipping
- You can choose from credit, debit, or reloadable card options
- Signing up is fast and can be done online, in-store, or via the Target app
Understanding the Target RedCard Options
Target offers two main RedCard options to help shoppers save money.
Each card type has its own perks and works a bit differently.
Let’s look at how they compare and how they fit with Target Circle.
Target Debit Card vs. Target Credit Card
The Target Debit Card links to your checking account.
It works like a check but is faster.
You use your PIN to pay at the store.
The Target Credit Card is a store credit card.
You can use it only at Target.
It builds credit and lets you pay later.
Both cards give you a 5% discount on most Target purchases.
This saves money on every shopping trip.
They also offer free 2-day shipping on many items.
This is great for online shoppers who want their stuff fast.
Benefits of Joining Target Circle with Your RedCard
Target Circle is free to join.
It works with your RedCard to give you even more perks.
With Circle, you earn 1% back on Target purchases when you don’t use your RedCard.
But the 5% RedCard discount is usually a better deal.
Circle members get special deals and offers.
These can save you extra money on top of your RedCard discount.
You also get a longer return window with your RedCard.
This gives you 30 extra days to bring stuff back if you change your mind.
Signing Up for Your RedCard
Getting a Target RedCard is easy and comes with great perks.
You can save money, get free shipping, and enjoy other benefits right away.
Application Process and Approval
To start, go to Target’s website or visit a store.
You’ll need to give some basic info like your name, address, and income. Target offers three card options: credit, debit, and reloadable.
Pick the one that fits you best.
For the credit card, TD Bank USA checks your credit.
They look at your score and history.
If approved, you’ll get a credit limit based on your finances.
The debit card links to your checking account.
It’s easier to get, but you need a valid ID and bank info.
The reloadable card is like a prepaid debit card.
You add money to it before using it.
Target usually decides quickly.
Sometimes they might ask for more info to verify your identity.
Activating Your RedCard
Once approved, you’ll get your card in the mail.
Look for a sticker with activation instructions.
You can activate it online or by phone.
For online activation:
- Go to Target’s website
- Click on “Activate Card”
- Enter your card info
- Create an online account
By phone, just call the number on the sticker and follow the prompts.
Have your card ready.
After activation, sign the back of your card.
Your RedCard is now ready to use at Target stores and on Target.com.
Making the Most of RedCard Benefits
With your RedCard, you’ll save 5% on most Target purchases.
This works in stores and online.
The savings add up fast!
You also get:
- Free 2-day shipping on many items
- Extra 30 days for returns
- Early access to some special events and promotions
To maximize savings, use your RedCard for all Target shopping.
Check Target Circle for extra deals that stack with your 5% off.
For online shoppers, the free shipping is great.
Just make sure your order qualifies.
There’s no minimum purchase needed for most items.
Remember, there’s no annual fee.
So you can enjoy these perks year-round at no extra cost.
Frequently Asked Questions
Target RedCard offers several benefits, but people often have questions about applying, activating, and managing their account.
Here are answers to some common queries about the Target RedCard program.
What do I need to apply for a Target RedCard?
To apply for a Target RedCard, you’ll need your Social Security number and a valid government ID.
The application also asks for basic info like your name, address, and income.
It’s a quick process that can be done in-store or online.
Can I activate my Target RedCard from my phone or computer?
Yes, you can activate your Target RedCard online or through the Target app.
Once you get your card in the mail, just visit the Target website or open the app.
Look for the activation link and follow the steps.
It only takes a few minutes.
Where do I manage my Target RedCard account online?
Target RedCard holders can manage their account online through the Target Circle Card portal.
This website lets you check your balance, view statements, and update personal info.
It’s a handy tool for keeping track of your RedCard activity.
What’s the process for making a payment on my Target RedCard?
Paying your Target RedCard bill is easy.
You can pay online through the account portal, by mail, or in-store at Guest Services.
Many people set up automatic payments to avoid late fees.
The online method is quick and can be done anytime.
How long does it take to get approved for a Target RedCard?
Are there any credit score requirements for a Target RedCard?
Target doesn’t publicize a specific credit score requirement for the RedCard.
They look at various factors in your credit history.
Even if you have less-than-perfect credit, it might be worth applying.
The debit card version is easier to get since it links to your checking account.