Target Red Credit Card Cash Value Calculator

Target Red Card

5% Target
30 Day Extended Returns
Free Shipping

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The Target Red Credit Card (or Debit Card) is an excellent choice for anyone that shops at Target on a regular basis. The card offers an excellent return on Target purchases which includes in-store Starbucks, specialty gift cards and more. It even stacks on top of Target top deals, subscriptions and clearance items for the ultimate in savings. Since Target, like Walmart and Sam's Club, is left out of the 'grocery/supermarket' bonus category on most reward cards, the Target Credit Card is the best choice when it comes to saving money at this department store.

Target Cash Back

All cash back earned with the Target Red Credit Card will be applied directly to the account as a statement credit.

Bonus Categories

The Target Red Credit Card (and Target Red Debit Card) features only one bonus category and that's Target purchases. There is no limit to the amount of cash back you can earn using this card at Target.

5% Target

The Target Red Credit Card and Target Red Debit Card earns 5% cash back on Target purchases. This is an excellent return that's unbeatable by any other reward cards due to the fact that most cards dismiss Target (as well as Sam's Club and Walmart) as being a supermarket, grocery store, or department store. That puts Target out in the cold and makes it hard to earn decent rewards or cash back when shopping in store. Besides the Target Red Credit Card itself, the closest you can get is the Citi Double Cash Card which will earn you a 2% return or the Blue Business Plus Card which will earn you 2 Membership Reward Points per dollar spent which are worth 1 cent each but can be as high as 2+ cents depending on the redemption. But more than likely, neither card will reach the savings that the Target Red Credit Card and Target Red Debit Card can bring in.

Since it has no network, this card will always earn 5% on the places you're able to use it at. The Target Red Credit Card and Target Red Debit Card will earn you 5% when used for:

  • Target
  • In-Store Starbucks Locations
  • Cartwheel Items
  • Target Subscriptions (stacks on 5% for a total of 10% off)
  • Specialty Gift Cards
  • Top Deals
  • Clearance Items

Perks and Benefits

Extended Returns

Target Red Credit Card and Target Red Debit Card holders will receive an extra 30 day extension for returns. This 30 days in an extension to the standard return policy on the purchased item. This does not apply to non-returnable items.

Free Shipping

Target Red Credit Card and Target Red Debit Card holders will receive free shipping on purchases. This applies to standard shipping to all 50 states and the District of Columbia as well as APO/FPO addresses and Puerto Rico. Shipping can be upgraded for an additional fee.

REDcard 2-Day Shipping

Target Red Credit Card and Target Red Debit Card holders will be receive 2-day free shipping on eligible items. This is in conjunction with the free shipping mentioned above. Order will have to be placed before the cutoff time in order to qualify. Not all items are eligible for 2-day shipping.

Other Benefits

Target Red Credit Card and Target Red Debit Card holders will be offered early access to select products and promotions, exclusive extras, including special items, gifts, and offers. These will usually be based on criteria, such as previous purchases or geographic location. Target Red Credit Card and Target Red Debit Card primary cardholders will also receive an anniversary gift via email after the REDcard opening anniversary date.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Target Red Credit Card and Target Red Debit Card does not have an annual fee. You will always earn an excellent 5% cash back for every purchases without worrying about a fee taking away from your rewards.

Authorized User Fee

There is no authorized user fee for the Target Red Credit Card and Target Red Debit Card. If you have friends and family that shop at Target or, I'd recommend adding them to build your cash back faster.

Foreign Transaction Fee

This is not applicable to the Target Red Credit Card or Target Red Debit Card since both cards do not have a network and cannot be used outside of Target or

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Recent News/Articles

Page Last Updated: 2018-06-10

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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