Target Red Card
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.
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.
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:
- 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
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.
Target Red Credit Card and Target Red Debit Card holders will receive free shipping on Target.com 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.
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
|Authorized User Fee|
|Foreign Transaction 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 Target.com, 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 Target.com.
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.
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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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