Target Redcard Calculator

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.
Updated 2020-07-17 By Robert Flowers III

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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
    • Eligible Target purchases include:
      • Target
      • In-Store Starbucks Locations
      • Drive Up
      • Target Subscriptions
      • Specialty Gift Cards
      • Top Deals
      • Clearance Items
      • Shipt

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 & Benefits

The Target RedCard offers a handful of useful perks that can save any Target shopper time and money... but mostly money.

  • Free 2-Day Shipping
    • Applies to shipping within the states, APO/FPO addresses, and Puerto Rico.
  • Extended Returns
    • Purchases will receive 30 additional days to return the purchases beyond the standard return policy each item has.
    • Does not apply to non-returnable items.
  • RedCard Exclusives
    • Special items, gifts, and offers that only cardmembers receive such as 10% off at Target on your cardmember anniversary or discounts on other sites.

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.


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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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