Credit Building Tips

How to Access Your Target Credit Card Online to Make a Payment

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Financial and Retail Services (FRS) issues Target's credit cards through Target National Bank. The Target credit card is a good card for anyone with a fair or better credit score:

  • 300-549 Bad
  • 550-619 Poor
  • 620-679 Fair
  • 680-739 Good
  • 740-850 Excellent

It's also known as the Target RedCard and offers a 5% discount back on all Target in-store and online purchases, specialty gift cards, shipping charges, and drive-up service. The 5% discount also includes all Starbucks purchases at Starbucks located within a Target store.

The card does have a high APR at 27.15% variable but does not have an annual fee, which saves you approximately $22 as compared to the average credit card. While balance transfers are not allowed, there is a 25-day grace period before interest begins to accrue on your balance owing.

Target is the eighth biggest retailer in the United States and is one of the largest American-owned private employers in the country. The store was founded 120 years ago and, as of 2023, has 1,948 stores across the country.

Solution iconIn this blog post, we're going to share all the ways you can log in, pay and connect with the bank, all in one convenient place.

Connect with Target Online

Apply for a ​​Target RedCard by:

  • Filling in your contact information
  • Verifying your identity and income
  • Reviewing the card's terms and creating a PIN
  • Confirming you've lived at your residential address for 12 months or more

If you're approved for a Redcard, Target can automatically add it to your account so you can start shopping instantly. Or you can wait 7-10 days for your card to arrive in the mail.

Target RedCard Pre-Qualification

If you want to quickly, easily, with no impact on your credit score, see if you'll be pre-qualified for the card, fill out the following fields:

  • First name
  • Last name
  • Email address (optional)
  • Social Security number
  • City
  • State

In order to access your account, you'll first need to enroll your card by providing your 16-digit card number.

Target RedCard Card Enrollment

This will allow you to:

  • Make and schedule credit card payments
  • Manage your card PIN
  • Add or manage cardholders
  • Set card alerts
  • Enroll in paperless credit card statements

Once you've enrolled your card, you can sign in to your account by inputting your:

  • Username
  • Password

If you've forgotten your Username, enter the email address associated with your RedCard.

Target RedCard Forgot Username

You can reset your forgotten password by entering your:

  • Username
  • Email address

Make an online payment — any payments received by 5:00 pm CST are credited as of the day of receipt.

Add a RedCard to the Wallet feature to pay and save in one scan.

Download the apps for your Target Redcard:

Call Target Up by Phone

You can pay your Target Redcard statement by calling:

  • 1-800-659-2396
  • 1-888-755-5856

Any phone payments received by 11:00 am CST will be credited as of the day of the call.

Person Making a Call

Target has a couple of toll-free phone numbers for their Customer Service department, depending on the issue you need to have resolved:

  • 1-800-424-6888
  • 1-800-659-2396

Calls are answered:

  • 24 hours a day, 7 days a week
  • The best time to call is 9:15 am
  • Get to a live person faster by dialing the phone number and:
    • Pressing 0 each time it asks for your card number
    • Then pressing 0

For relay service, please dial: 711

Get in touch with Target's customer service faster by going to GetHuman's website. Type "Target Card" in the search bar, and you'll find the store's customer service number.

Target Card Phone Number

The site also gives you the following:

  • The current wait time to talk to a human
  • The option to skip waiting on hold
  • The opportunity to get targeted help for:
    • Account access
    • To get banking help
    • To cancel your account
    • To dispute a charge
    • If you are having trouble sending a payment
    • If you have a different issue

You can also choose to chat with an expert online now with Get Human's Just answer experts.

Get Human Just Answer Experts Chat

If you'd like to talk to someone at Target's head office about your RedCard, a store experience, or your order, you can call: 1-800-440-0680

Contact Target by Mail

You can apply for your Target RedCard by printing and filling out the credit application PDF.

Target Credit Card Application

Once your application is complete, mail the form to:

Target Card Services

ATTN: Credit Department

PO Box 5329

Sioux Falls, SD 57117-5329

Mail your credit card payment to:

Target Card Services

PO Box 660170

Dallas, TX 75266-0170

Send correspondence to any one of Target's three headquarters — Target Main Headquarters, Target Plaza North, or Target Plaza South:

1000 Nicollet Mall

Minneapolis, MN 55403

Visit a Target Store or Headquarters

You can also pay your Target RedCard statement at any Target store Guest Service Counter. All store payments made before the store closes will be credited as of the day of receipt. Find a store by viewing the store directly or entering your zip, city, or state.

Various Target Store Locations

Target Plaza South is a 33-story skyscraper in downtown Minneapolis, MN, and it holds the corporate headquarters for Target Corporation:

Target Corporate Headquarters

1000 Nicollet Mall

Minneapolis, MN 55403

FAQs about Logging in and Paying Your Target RedCard

Q: Is there a difference between my account and Manage My RedCard?

A: According to the help page on Target's website, "A account is used to manage your online orders and registries, while Manage My RedCard is used to manage your Target Credit Card, Target Debit Card and Target Mastercards, including paying your RedCard credit card bill, setting alerts, viewing transactions and updating your personal information."

An FAQ Page

Q: Does Wallet in the Target app have adequate security features?

A: Yes. The RedCard in your Wallet has a unique barcode that is generated each time you access Wallet. The barcode expires after several minutes, so you can't screenshot or print your barcode.

Q: Can I use more than one credit card payment per order on

A: No, you can only use one credit card payment per order. But you can combine your Target RedCard with up to 10 Target GiftCard payments. The charge sequence will be first on the gift cards and then on your credit card.