Review the benefits of the Target RedCard, calculate how much Target cash back you can earn based on your spend, and compare against top credit cards.
The Target RedCard is a superb choice for anyone that shops in-store or online with Target on a regular basis. The card offers a high 5% return on purchases as well as grants additional benefits such as free 2-day shipping, additional return time, and RedCard exclusive perks such as gifts and offers. It's hard to beat the benefits of that this no-annual fee card offers.
The Target RedCard features one bonus category which is spending done in-store and online with Target. There is no limit to the amount of cash back you can earn using this card at Target.
Using the Target RedCard at Target will earn you 5% cash back on Target purchases. Eligible Target purchases include:
- In-Store Starbucks Locations
- Drive Up
- Target Subscriptions
- Specialty Gift Cards
- Top Deals
- Clearance Items
As you can see, this card will earn you 5% back on quite a lot with Target. Combine that with some of the additional benefits this card comes with and you have yourself a nice, rewarding store card. Since Target is not usually counted as a 'grocery store' or 'supermarket' with other popular rewards cards (similar to how Walmart and Sam's Club is treated), the RedCard is pretty much the only option if you want to earn a high return on your spend.
The Target RedCard is only usable in-store and online with Target. There is no credit card that earns cash back with Target directly on all purchases, but you can easily pick up a 2% cash back credit card (or higher) and use those rewards towards your Target purchases.
Perks and Benefits
The Target RedCard offers a handful of useful perks that can save any Target shopper time and money... but mostly money.
The Target RedCard will grant you free 2-day shipping on purchases made through Target.com. Shipping charges can easily add up, so this is always a nice perk when offered on retail store credit cards. This benefit will apply to shipping within the 50 states, APO/FPO addresses, and Puerto Rico.
When you purchase an item with the Target RedCard on Target.com, you will be receive 30 additional days to return the purchases beyond the standard return policy each purchase item has. This will not apply to non-returnable items and purchases made at Target Optical.
As a Target RedCard holder, you'll receive a bunch of exclusive benefits which includes special items, gifts, and offers. Some exclusive offers include 10% off at Target on your cardmember anniversary and 10% off on hotels with Hotels.com.
Sign Up Bonus
The standard sign up bonus for the Target RedCard is $25 off a future purchase over $25 after being approved. This sign up bonus will slightly change from time to time, but the general value is usually $25 which is a low, but still nice bonus.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The Target RedCard does not have an annual fee which means you'll always be earning an excellent 5% return when using the card at Target. Just be sure to pay off your card in full every statement otherwise the interest will eat away your rewards and make having the card pointless.
Authorized User Fee
There is no authorized user fee for adding additional users to the Target RedCard. If you have friends or family that enjoy shopping at Target, adding them can save money.
Foreign Transaction Fee
The Target RedCard does not have a network associated with it (Visa, Mastercard, etc), so it cannot be used outside of spending in-store or online with Target.
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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