The Target REDcard credit card is a $0 annual fee loyalty card valid only at Target. Its key features include a 5% cash back on Target in-store and online purchases, two days of free shipping on purchases, and an additional 30 days for returns and exchanges. However, it lacks a sign-up bonus and comes with an above-average variable APR of 22.9%.


Earning an effective 5% on a credit card is always remarkable, some cards offer this rate without at least some restrictions. For example, you’ll find even higher rates on products like American Express’s Blue Cash Preferred card, which earns 6% on purchases in the United States, but the card has an income cap of $6,000. Once that limit is reached, the American Express Blue Cash Preferred card earns only 1% on purchases in the United States.

Benefits Of The Login Portal

A Target RedCard credit card and debit card has a range of benefits that will benefit both the cardholder and the company.

5% discount on every purchase

No coupon clipping is required; Every time you use your Target RedCard, you automatically get a 5% discount. Discount applies to qualifying items, including clearance sales, best deals of the week, special gift cards, and Starbucks purchases, net of all other promotions. Here are some items and services not covered by the 5% discount:

  • Prescriptions, pharmacy items, and clinical services
  • Aim for eye exams and protection plans
  • Target cards and prepaid cards
  • Submit member registrations
  • previous purchases
  • Taxes, Shipping and Handling, and Shipping Fees
  • The complete list can be found here
  • Free 2-day delivery on most items
  • Target RedCard offers free 2-day shipping on most items without having to meet the $35 minimum spend requirement. Eligible items are listed on the product page next to the shipping button.


Extended Return

You have an additional 30 days to return items in addition to Target’s standard return policy, which is 365 days for Target-owned brands and varies for Apple products, cell phones, and other products. Personalized items and digital downloads are non-returnable.

Exclusive offers and discounts

When you sign up for the Target RedCard, you’ll receive exclusive offers and discounts, as well as access to special items you won’t find anywhere else.