The RedCard provided by Target is simply a credit card that we use in our daily lives. It is no different from the standard loans that we use in our daily lives. The card can only be used at Target’s retail stores on their online platforms such as apps, websites or social media.


Yes, Target RedCard customers enjoy many offers, discounts and rebates. In addition, with the Target RedCard, the customer gets a 5% discount on Target purchases, no annual fee, and an additional 30 days for exchanges and returns.

However, the customer who wants or owns a Target RedCard has a share of more than 20%. Therefore, if the customer tends to have high balances in the RedCard account for several months, the interest will eat into their savings.

Thus, we can say that Target RedCard is an idea or suitable for customers who frequently buy from the brand or its online platform. But customers who prefer less than Target and still have their RedCard wouldn’t benefit much.

Customers who use the RedCard receive free two-day shipping on many Target-exclusive items. On the other hand, customers without RedCard have to pay certain shipping costs when shopping at the online store.


This applies to some products at Target, but not all. The customer may need to pay the shipping cost before the order is shipped in case they order certain specific products. Furthermore, freight delivery orders may also require a minimum shipping fee in addition to orders with ground delivery.

RedCard customers also benefit from several exclusive Target collections. RedCard customers can benefit from exclusive promotions, special items, limited edition products and other similar offers throughout the year. However, not all exclusive offers are available to all RedCard holders, so this part should be taken into account.