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Edit Spend
Enter how much spend you plan on running through the card(s).
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Change Category Region
Edit Bonus
Add/Remove Loyalty Programs
Factor in elite status with your spending. Categories associated with the program will be added to the calculator.
Re-Order Categories
Move the selected category up or down.
The explanation of the benefits offered on the card.
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.
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
Target.com
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.
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.
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.
Rewards Calculator
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
Select A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$
Compare A Card
Family Cards
These cards are part of the same family.
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Similar Cards
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
The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Change Card 1 Options
Currency Worth
The currency the card earns and any other currencies on this side of the calculator. If the currency can be transferred to other programs, you can use 'View Rewards As...' to reflect as if you transferred it to a partner.
Change Card 2 Options
Currency Worth
The currency the card earns and any other currencies on this side of the calculator. If the currency can be transferred to other programs, you can use 'View Rewards As...' to reflect as if you transferred it to a partner.
Loyalty & Memberships
Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending
Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
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:
Category Added
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.
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Reward Bonuses
Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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Subtotal
This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses
This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees
This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total
The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
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