Target Red Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

25 Reviews

Consumer Rating:

Apply Here

Lowest:
510

Average Score:
650

Highest:
830

Card Details

Annual Fee: $0
Earn 5% off eligible purchases
Free 2-say shipping at Target.com
30 day return policy

Pros and Cons

Pros

5% savings off eligible purchases
2-day free shipping at target.com
Extended Returns (30 days)
No annual fee
Can be upgraded to Mastercard

Cons

High APR
Can only be used at Target and Target.com

Our Take

The Target Red Card will appeal to folks who shop at Target frequently because it offers a few perks that is really useful to regular shoppers. Firstly, you get 5% discount off most goods. You also get a 2-day free shipping when you order stuff from target.com. You are also allowed to return goods for up to 30 days since your purchase.

There are a couple of things to be aware of. Firstly, the 5% discounts does not include things like prescriptions, Target Optical Eye Exams, certain restaurants in Target like D'Amico & Sons, Pret A Manger, (though you can earn 5% in Starbucks that is located in Target), gift wrap, shipping charges and taxes.

If you shop at Target a lot, this card can save you money when you shop there. The average score (according to readers who have written reviews here) is 639. Hence, this is a suitable card for rebuilders as well. Some folks have been upgraded to the Target Mastercard as well.

Write A Review

Credit Score: 660 Credit Limit: 300 Age: 35-44

Posted 03/17 2018

Overall Rating:

I got this card 4 years ago and started out with a $300 limit. I usually go to the Target near my place about twice a month so this card comes in really handy. I love using this and getting 5%. Before Christmas season, I knew I would be spending a lot in Target and thought that my $300 limit would not be enough. After doing some googling, I found out that people are saying Target will increase your credit limit if you spend close to your target and either pay it off or carry balance for a couple of months. I tried that during Thanksgiving and sure enough, I soon got a CLI to $700. I have since been repeating this and now have a limit of $4,000.

Credit Score: 510 Credit Limit: 300 Age: 25-34

Posted 12/06 2016

Score was really bad (like low 500). So I took a chance and applied and got approved for $300 in credit lines. This card works for me since I shop at Target a lot.

I read with envy all you folks who got your lines increased. Hope that happens to me also .

Credit Score: 623 Credit Limit: 300 Age: 45-54

Posted 11/22 2016

My Transunion score was 623 when I got approved and I got a $300 credit limit which seems like normal. Since I shop at Target a lot, I normally end up spending $250 a month (which is not good for my credit utilization). Nevertheless, I pay in full so I can have my full $300 limit for the next month.

After 5 months, I got my limit increased to $700. Now it is $1500, which is way more than enough for me.

Credit Score: 550 Credit Limit: 300 Age: 25-34

Posted 03/24 2015

550 score
$300 credit limit
Got this card for the 5% back. The credit limit is enough for me but I wished I could get a CLI cos it would be better for my credit utilization ratio (I am in a rebuilding mode).

Credit Score: 687 Credit Limit: 500 Age: 25-34

Posted 11/27 2014

Target pull EQ. $500 CL with a 687 EQ score.

After using the card for nine months, I got a CLI to $1,000. Then six months later, I got another increase to $2,000. To be honest, there were about two occasions where I actually came close to hitting my limit due to a large purchase. For most of the time, my normal usage is low relative to my limit. I do shop at Target but seriously, how much can you really spend there?

Credit Score: 713 Credit Limit: 600 Age: 35-44

Posted 10/22 2014

I like the 5% earnings. Other than that, I would say that Target does not have a habit of increasing credit lines. Have had a $500 line for years. My other cards give me $10,000! But it does not bother me cos it's not like I spend a gazillion at Target.

Credit Score: 703 Credit Limit: 500 Age: 35-44

Posted 09/09 2014

Love the 5% savings. I have saved hundreds over the years. But a few things annoy me.

1. credit limit is low even though I set up autopay and have never been late.
2. slow to release credit line after payment.

I will nevertheless keep using the card simply because I shop so much at Target.

Target Red Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Tell Us About Your Target Red Card

Tell Us About Your Target Red Card

Target Red Card Consumer Reviews, Credit Score and Income Needed, Credit Limits

Tell Us About Your Target Red Card

Tell Us About Your Target Red Card

Target Red Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits