If you’re fond of shopping sprees, you might be interested in knowing where you can go and get hefty discounts as well. Many stores and supermarkets have exclusive credit and debit cards for their customers who are often visiting the place for shopping. These credit cards and debit cards come with exclusive benefits like special discounts, offers, free shipping, zero fees, and a lot of other promotional offers.
In today’s article, we will be talking about a big brand name in the U.S., Target, and the Target Redcard offered by the company to its customers. We will explore everything you need to know about the Redcard from Target. After reading the blog, you will be able to decide if Target Redcard is right for your shopping needs or not.
So let’s get into it.
What Is Target?
Target is an American general merchandise retailer having its presence in all 50 states of the U.S. with 1948 stores. The company has its headquarters in Minneapolis, Minnesota. Target is the seventh largest retailer in the United States, and there are also many other distinctions on the record of the retail stores chain.
The company was founded in 1962 as a discount division of Dayton’s department store in Minneapolis. However, it kept expanding until the 1980s, when it was introduced as a new store chain under the brand name Target. The parent company of the brand was Dayton-Hudson Corporation.
In 2000, the parent company’s name was changed to Target Corporation. Other than the positive things about Target, there have also been some low blows. For instance, Target was found to suffer one of the massive and very publicized security breaches of customer credit card data in the early 2010s.
Target deals in almost everything, be it clothing, designer products, accessories, jewelry, groceries, houseware, appliances, bedding, kids-related toys, games, books, décor, music, lawn & garden-related products, hygiene products, pharmacy, or anything you can name.
Target Redcard
Target Redcard is a store charge card offered by Target to regular customers. It essentially means that customers can use the Red card when shopping at the retail stores of Target or when shopping from the online website of Target. The Redcard of Target store comes as a debit card, credit card, and reloadable card.
There is a certain eligibility criteria that the customers must meet to get the Target Redcard. In return, they can shop with their card, get exclusive discounts and promotional offers, free shipping, and a longer-than-normal return period.
How Does It Work?
Let’s look at how Target Redcard works for different customers.
As already mentioned, there are three versions of Target Redcard: debit card, credit card, and reloadable account. The Target credit card has two forms, including a store charge card that can only be used when shopping at Target locations or websites. The second credit card version is Target Redcard, issued by Mastercard. It works like a traditional credit card that can be used at Target and any other store where Mastercard is accepted.
The second option of Redcard is the debit card linked to your checking account, and the amount equal to your shopping bill at Target is automatically drawn from your checking account.
Then comes the reloadable account option of Redcard, a Visa card with the same perks as the other two options.
If we talk about working with these cards, it’s pretty simple in the case of debit cards, store charge cards, and reloadable accounts. For Mastercard credit cards, Target has collaborated with the financial institution to issue the credit cards for the customers, and the store and bank share interest & charges. T.D. Bank USA has a collaboration with Target to issue Target credit cards for customers.
Redcard Options And Benefits
We have already told you pretty much about the Redcard options available at Target for the customers. Let’s talk about the benefits the customers get with each option of Redcard:
Redcard (Credit Card)
Let’s begin with the Redcard credit card options. The main difference between store charge and Mastercard credit cards is that the first can only be used at Target stores and webistes and the second can be used at any merchant who accepts Mastercard. Other benefits and perks remain the same for both versions of credit cards.
So here are the benefits you get with Redcard credit cards:
- 5% daily discount on purchases made at Target and Target.com everyday
- There are no hidden annual charges or monthly fees
- You get two-day free shipping on thousands of items sold at Target.com
- Longer return and exchange time that is 30 days+ normal return time
- Exclusive discounts, special items, and offers for Redcard members
- 2% discount on dining and gas purchases with Mastercard and 1% everywhere outside Target
Redcard(Debit Card)
If you choose the Target Debit card, you enjoy the following benefits uninterruptedly:
- 5% daily discount on purchases made at Target and Target.com everyday
- There are no hidden annual charges or monthly fees
- You get two-day free shipping on thousands of items sold at Target.com
- Longer return and exchange time that is 30 days+ normal return time
- Exclusive discounts, special items, and offers for Redcard members
- Link your checking account with your card and directly pay your bills for Target purchases.
- You can also withdraw cash up to $40 per day at checkout
Redcard(Reloadable Account)
For reloadable accounts, the following perks and benefits are available:
- 5% daily discount on purchases made at Target and Target.com everyday
- There are no hidden annual charges or monthly fees
- You get two-day free shipping on thousands of items sold at Target.com
- Longer return and exchange time that is 30 days+ normal return time
- Exclusive discounts, special items, and offers for Redcard members
- You can add cash to your card without any charges at Target
- You can also withdraw cash up to $40 per day at checkout
- Use your card with added cash at any merchant who accepts Visa debit cards.
Redcard Program Rules And Exceptions
The benefits and perks of the Target Redcard Program are alluring, but certain rules and restrictions apply. So here is what you need to know about the exceptions and rules related to perks:
Your 5% daily discount doesn’t apply to the following items:
- Prescriptions, over-the-counter items behind the pharmacy counter, and clinic services at Target
- Target Optical eye exams and protection plans; however, glasses and contact lenses have an exception of a 5% discount
- Target Giftcards, Starbucks gift cards purchased from Target stores’ Starbucks locations, American Express prepaid cards, Game on Gift Cards
- Previous purchases
- Shipt membership fees
- Purchase of alcohol in Indiana stores
- Wireless protection program purchases or deposits
- Target credit account payments, reloadable cash reloads, cash advances on Mastercard, and debit card cash back
- Taxes, shipping, delivery, handling, and other mandatory charges
- Gift wrapping services
The extended return & exchange time isn’t applicable for the following items:
- Non-returnable items
- Contract mobile phones
- Target optical purchases
- Online purchases made for SNAP(Supplemental Nutrition Assistance Program)-eligible items whose payment is made with either Redcard or EBT
For free shipping validity, you must pay using your Redcard reloadable account, Target debit card, Target Mastercard, or Target credit card.
Free shipping applies if the products are to be delivered to any of the 50 States, the District of Columbia, and Puerto Rico.
There might be a minimum purchase threshold for certain items to avail of free shipping.
Credit cards, debit cards, and reloadable account interest and fees are other than the annual or monthly fee. The standard charges apply according to the card agreements.
You can’t transfer, assign, or pledge your Target Rewards
There is no cash value in the rewards.
For further detailed information, you can check out the program rules here.
How To Apply For Target Redcard?
The customers of Target stores can apply for their Redcard by following these simple steps:
1. Visit the official webpage for Target Redcard here.
2. Choose which card you want to apply for or if you want to open a reloadable account. Click on Apply button for either of the options you choose.
3. You will need to get approved and receive credit cards within 7-10 business days after approval. However, the information for both credit and debit cards remains the same. You will be asked to enter your personal information.
4. Once entered, click on Continue and complete the application as required.
5. Once completed, you will receive your card at the given address.
Sign Up And Login To Target Redcard Account
To use your Redcard account, you will need to activate it or sign up for the service. Here are simple steps to sign up to manage your Target Redcard:
1. Open the official enrollment page for Target Redcard here.
2. Start by entering your card number in the empty field and click on Begin Enrollment.
3. Follow the on-screen prompts to complete the signup process. You will need to create your username and password and verify your personal information via email & phone number.
4. Once verified, you can log in to your Target card account here.
How To Pay Your Red Card Bills?
You can pay your Redcard bills in the following ways:
By Phone
You can call on the Target phone number 1-800-424-6888 and follow the instructions of the representative to complete the payment of your card bill. You will need to provide details about the checking account you will use to pay bills, bank routing numbers, and other verifications.
Online
Login to your Redcard account, go to Payments, add payment method details, and clear your card bills. You can also set automatic payments to avoid late payment fees and fines.
There is also the option of paying your bills by sending money orders or checks to the mailing address for Target cards. The mailing address for this purpose is as follows:
Target Redcard
P.O. BOX 660170
Dallas, TX. 75266-0170.
At Target Store
Finally, you can also visit the Target store and clear your card bill over the counter.
FAQs
How to check the credit card balance of Target cards?
You can use the online account to manage your card, check your balance, add more cash, or access your transaction history.
What are the requirements to apply for Target Redcard?
You must fulfill the following minimum requirements to apply for Redcard:
1. You must be above the age of 18 and a resident or citizen of the USA or Canada
2. You must have a government-issued I.D., SSN number, etc.
3. You should have a good credit score above 600 to get approved for a credit card
4. You must have proof of income
5. The low debt-to-income ratio
Which bank does the Target credit card associated with?
Target has collaborated with T.D. Bank USA, N.A., for issuing credit cards. This bank is a subsidiary of a Tornoto-based bank called The Toronto-Dominion Bank of Toronto, Canada.