Target RedCard | Review & Target Cash Back Calculator

Target RedCard

Card Review & Cash Back Calculator
5% Target
30 Day Extended Returns
Free 2-Day Shipping

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.

Bonus Categories

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.

5% Target

Using the Target RedCard at Target will earn you 5% cash back on Target purchases. Eligible Target purchases include:

  • Target
  • Target.com
  • In-Store Starbucks Locations
  • Drive Up
  • Target Subscriptions
  • Specialty Gift Cards
  • Top Deals
  • Clearance Items
  • Shipt

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.

0% Non-Category

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.

Free Shipping

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.

Extended Returns

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.

RedCard Exclusives

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

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual 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.

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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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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...
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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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
0
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
$0
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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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.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
$0
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.
$0
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-02-16
Article By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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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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