How to Maximize Savings with the Target REDcardTM Credit Card

The Target REDcardTM Credit Card offers cardholders an easy way to save 5% on all Target purchases in-store and online. With no annual fee and additional perks like free shipping, this store card can unlock huge savings for Target shoppers

How to Maximize Savings with the Target REDcardTM Credit Card

But how exactly can you maximize savings from the Target REDcardTM Credit Card? This blog post will explore creative ways to get the most from your card and its money-saving benefits.

An Overview of the Target REDcardTM Credit Card

The Target REDcard is a credit card issued by TD Bank and redeemable at all Target stores nationwide and on Key features include:

  • 5% discount on all Target purchases in-store and online
  • Free shipping on most items ordered online at
  • 30 extra days for returns at Target
  • 10% off coupon sent on your card anniversary
  • Access to REDcard exclusives and special offers
  • No annual fee

While the REDcard can only be used at Target, the 5% instant savings on every transaction really adds up over time. Let’s look at clever ways to maximize this benefit.

Strategies to Get the Most from Your Target REDcardTM

Here are some savvy tips and tricks to make the most of your Target REDcardTM Credit Card:

#1. Do All Your Grocery Shopping at Target

Target grocery selections rival top supermarkets. By doing all your grocery runs at Target, you can save 5% on every food, beverage, and household essential purchase. This discount is better than almost any rewards credit card offers on groceries.

#2. Buy Gift Cards to Other Retailers

While you can’t use your REDcard elsewhere, you can buy gift cards to other stores and restaurants at Target to get 5% off.

Then use those gift cards for purchases at the associated retailer. This essentially allows you to save money at merchants like Home Depot, Starbucks, AMC theaters, and more.

#3. Stack Discounts and Coupons

Look for Target Cartwheel digital coupons and savings in the Target app. Combine these extra discounts on top of your 5% REDcard savings to maximize value. The savings add up quickly when stacked.

#4. Shop for Free Shipping

For maximum convenience, do your Target runs online and have items shipped for free to your home. You still get 5% off when using the REDcard online. Avoid paying shipping costs by ordering online.

#5. Pay Your Balance in Full Each Month

To avoid interest charges, always pay off your full REDcard bill by the due date each month. The ongoing APR is relatively high compared to other credit cards, so carry no balance.

#6. Use It for Every Small Purchase

From a pack of gum to big electronics splurges, use your REDcard for every little thing you buy at Target. Small purchases add up, so the 5% discount matters on every dollar spent.

#7. Buy Target Gift Cards to Extend Savings

You can purchase Target gift cards with your REDcard to get 5% off. Then use that gift card on your next Target run for additional savings. This gift card purchase tactic continuously maximizes your discount.

#8. Shop Target Clearance and Deals

Check Target’s deals webpage and mobile app for price cuts, discounts, and clearance finds. Combining promotions with your REDcard 5% off amplifies savings on purchases.

Additional Ways to Save with the Target REDcardTM

The Target REDcardTM Credit Card comes with several other to maximize money-savings features:

10% Off Coupon on Your Card Anniversary

To save even more annually, take advantage of the 10% off coupon Target sends on your REDcard anniversary. Use it towards a major purchase to maximize this discount.

REDcard Exclusives

Target frequently runs special REDcard member-only deals like discounts on furniture or electronics. Pay attention to these exclusives to save big.

Take Advantage of Extended Return Window

You get an extra 30 days on Target returns with the REDcard, so take your time bringing back unwanted items if needed.

Use the Target Mobile App

Browse deals and price compare items in the Target app. Scan barcodes in-store to check for Cartwheel discounts you can stack for even more savings at checkout.

What Does the Target REDcard Do?

The key benefits of the Target REDcard include:

  • 5% discount on all Target purchases in-store and online
  • Free standard shipping on most orders
  • 30 extra days for returns at Target
  • 10% off coupon sent annually
  • Access to REDcard exclusive deals and discounts
  • Can be used for all purchases at Target stores and

The instant 5% savings on all Target shopping is the biggest perk and what makes this card so valuable for regular Target shoppers.

Can You Use the Target REDcard Anywhere?

The Target REDcard credit card can only be used at Target retail locations and on It is not accepted anywhere else.

However, you can purchase gift cards to other retailers at or in-store and earn 5% off those. This allows you to save at merchants other than Target by buying their gift cards discounted with your REDcard.

There is also a Target REDcard Mastercard debit card that can be used anywhere Mastercard is accepted. But it offers the same Target benefits and is not a credit card.

What’s the Credit Limit on the Target REDcard?

The credit limit on the Target REDcard varies depending on your creditworthiness and income, but often ranges from $300 to $5,000.

You can request a credit limit increase after responsibly using your REDcard for 6-12 months. This allows you to make larger discounted purchases at Target.

Pay your bill on time and keep your utilization low by only charging what you can pay off each month. This helps ensure approval for a higher REDcard limit over time.

How to Apply for the Target REDcard

You can apply for the Target REDcard:

  • Online at
  • By phone at 1-800-424-6888
  • In person at any Target store

The application only takes a few minutes to complete. You’ll need basic personal information and identification. If approved, start earning 5% back instantly on all your Target purchases.

How to Sign in to Your Target REDcard Account

To sign in to your Target REDcard credit card account online:

  1. Go to and click on “Sign In”
  2. Enter your username and password
  3. Click “Sign In” to access your REDcard dashboard

Once signed in, you can view your balance, make a payment, see recent transactions, update your personal info, and more. Sign in regularly to monitor your spending and account activity.

How to Pay Your Target REDcard Credit Card Bill

To pay your Target REDcard credit card bill, you have several options:

  • Pay online – Login to your account at and submit an electronic payment from your bank account.
  • Pay in the Target app – Use the Target app to view your balance and make a payment by linking a bank account.
  • Pay by phone – Call the number on the back of your REDcard and follow prompts to pay with a debit card or bank account. Alternatively, you can Call 1-800-424-6888 to pay over the phone.
  • Pay by mail – Send a check or money order to the payment address printed on your REDcard statement.
  • Pay at Target registers – Make a payment on your bill at the checkout register during your Target runs.

Always pay at least the minimum due by the payment due date to avoid late fees and interest charges. Pay in full each billing cycle to get the most savings from your REDcard.

How to Manage Your Target REDcard Account

After signing in online or in the Target app, you can:

  • Check your available credit
  • Review recent transactions
  • Set up autopay for your monthly bill
  • Change your payment due date
  • Update your contact information
  • View and print statements
  • Turn your card off/on if lost or stolen

Actively managing your REDcard helps you monitor spending and take advantage of benefits.

Contact Target REDcard Customer Service

If you need assistance with your Target REDcard, contact customer service at:

  • 1-800-424-6888
  • On Twitter @AskTarget
  • Through support email

Save customer service contact details in your phone. Reach out if you have questions about benefits, account management, statement issues, lost cards, and more.

What’s the Target Credit Card Phone Number?

To contact Target REDcard support by phone, call:

  • 1-800-424-6888

This number connects you with the Target REDcard customer service team for any account assistance needs. Save it in your contacts for easy access when needed.

Conclusion on How to Maximize Savings Target REDcardTM Credit Card

When used strategically, the instant 5% discount you get by paying with the Target REDcardTM Credit Card can lead to significant annual savings. You can apply for the card and start maximizing value from it.

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