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The Target RedCard is an in-store charge card that offers special cardholder perks when you shop at Target stores either online or offline.
The best reason to carry this card is probably to enjoy the 5% off savings – or free shipping if you shop online. But those savings may be offset by the high APR if you carry a balance. There may be other full-fledged credit cards that offer ways to earn comparable savings through their rewards programs or online shopping portals and merchant partnerships. So it’s a good idea to shop around and compare cards.
Cardholders are entitled to 5% savings, everyday, when they charge their Target and Target.com purchases – plus there is no annual fee for the card. You also get free shipping and 30-day returns and can manage your account and make payments online.
The card is for charging Target purchases, so it is not a full-fledged credit card that can be used elsewhere. There is a 23.15% purchase APR, which is quite steep compared to the rates charged by many conventional credit cards. If you carry a balance instead of paying off the card each month before interest accrues, this high APR will undermine whatever savings you got from card membership.
Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.