40,000 Points
Worth $400
After you spend $3,000 on purchases on your new card in your first 3 months of card membership.
- 2%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
TD Bank
Target REDcard
The Target REDcard is built for regular Target shoppers who want a simple discount every time they check out, in store or online. It is a specialist card, not an everyday spending card, since its value is concentrated almost entirely on Target purchases.
Annual Fee
$0
Rec. Credit Score
Good
Good For
Frequent Target shoppers
All information about Target REDcard has been collected independently by MaxRewards. Target REDcard is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Target REDcard worth it?
This card is great for...
Target store purchases
Target.com orders
No-fee store card use
This card is worth it if Target is one of your main shopping destinations and you want an easy way to save on those purchases without paying an annual fee. The 5% back at Target and Target.com is straightforward and meaningful for households that regularly buy groceries, household basics, baby items, home goods, or seasonal purchases there.
Outside of Target, though, this card has little role. With no rewards on other spending and no listed travel, protection, or credit-style perks to broaden its appeal, it works best as a single-store card you pull out specifically at Target. If you want one card to cover most of your budget, a general cash-back card will be a better fit.
MaxRewards Verdict
A strong fit for loyal Target shoppers who want a no-fee card dedicated to one retailer. For anyone looking for everyday rewards beyond Target, this card is too narrow to carry much value.
Earning
Rewards
The rewards setup is very simple: you get strong value on Target purchases and essentially nothing elsewhere. Think of this as a store-specific savings card, not a card for general spending.
CategoryRate
Target
5%
Target.com
5%
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from TD Bank
See all 7 cards
25,000 Miles
Worth $250
After you spend $3,000 on purchases on your new card in your first 3 months of card membership.
- 3%Dining
- 3%Travel
- 1%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
20,000 Points
Worth $200
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 3%Dining
- 2%Grocery
- 1%Everywhere
Annual Fee
$0
Rec. Credit
Excellent