Rating: 5 Stars
Bottom Line:
For Target Shoppers
TABLE OF CONTENTS
Card Details
| Regular APR: | 24.65% (Variable) |
| Intro APR (Purchases): | None |
| Intro APR (Balance transfers): | None |
| Rewards Rate: | None |
| Credit Needed: | (670 – 850) Good/Excellent |
| Annual Fee: | None |
| Card Brand: | Mastercard |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- 5% off at Target. In store. Online. Every time
- Free 2-day shipping on hundreds of thousands of items from Target.com
- An additional 30 days for returns and exchanges
- Get 10% off on your Anniversary When you are signed up for Target marketing emails
- Save 5% at any in-store Starbucks location when you use your RedCard
- No annual fee
Is Target REDcard MasterCard worth it?
Target REDcard MasterCard is a great card for Target shoppers. The 10% off anniversary offer is an exclusive offer that will be sent to the primary cardholder via email after the RedCard opening anniversary date. The 5% discount applies to almost every Target purchase possible, with the exception of some in-store restaurants, prescriptions, and Target Optical eye exams. With no annual fee, it’s powerful to carry an unlimited 5% off coupon in your pocket for anything at Target. The APR is normal for store cards, higher than most other cards: currently 24.65%. The main benefits offered are the additional 30 days for returns and exchanges and free 2-day shipping on hundreds of thousands of items from Target.com. If you’re deciding between the prepaid REDcard and the REDCard Mastercard, note that you will be upgraded to the Mastercard from the prepaid. Also, you can only have one REDcard prepaid, American Express Serve, and Bluebird at once, so if you want to open either of those two accounts, keep in mind you won’t be able to as long as you have Target REDcard. The Mastercard is identical to the prepaid version, but you will build credit as its a credit card. If you pay the balance on time, it’s a great card for Target shoppers.
Pros
- Unlimited 5% off at Target in store and online
- Free 2-day shipping on hundreds of thousands of items from Target.com
- Extra 30 days for returns and exchanges
- No annual fee
- No foreign transaction fee
Cons
- High APR
Why 5 Stars?
Regular APR
4 Stars
Intro APR
4 Stars
Fees
5 Stars
Perks
5 Stars
Overall
5 Stars
Fees
| Foreign Transaction Fee | None |
| Balance Transfer Fee | No Balance Transfers Allowed |
| Cash Advance Fee | No Cash Advances Allowed |
| Penalty APR | None |
Benefits
| $0 Fraud Liability |
| Auto Rental Collision Damage Waiver |
| Extended Warranty Program |
| Lost Luggage Reimbursement |
| Purchase Protection |
| Roadside Assistance |
| Travel Accident Insurance |
| Travel Assistance |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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