Target REDcard Credit Card Rates and Fees

Target® REDcard® Credit Card Rates and Fees

Your application may be considered for a Target Credit Card, and your qualification for an account may depend on your creditworthiness or other factors.

Important Credit Card Account Information

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card
Tips from the
Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at Opens in a new window.


Annual Fee


Penalty Fees

  Late Payment
  Return Payment
Up to $35
Up to $25

How We Will Calculate Your Balance:

We use a method called "daily balance." See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

The REDcard credit cards are issued by TD Bank USA, N.A.