Target RedCard Debit Card: How to Use Target Red Card Online & In Store

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Target offers a RedCard loyalty program to build a more substantial relationship with its customers. Debit card holders get personalized advertisements and discounts on eligible purchases at Target retailers in the United States. But how does the target debit card work?

When you sign up for a Target REDcard, you’ll be asked to provide your personal information and select a PIN. You’ll also need to provide your bank account information so that Target can link your card to your checking account. Once your card is linked to your checking account, you can use it just like a debit card to make purchases at Target.

In this blog, you’ll explore more about the Target debit card program, its benefits, and how to manage it. So, let’s get started!

What Is The Target Redcard Debit Card?

Target RedCard Debit Card is a unique loyalty program to benefit VIP customers. Although this debit card is linked to your bank account, it can only be used at Target’s online and physical outlets.  These debit cards provide 5% cash back on all items and 2-day free shipping on all online orders from 

There are no fees for using the card; you can get various rewards/cash back on all purchases. The Target Redcard Debit Card is a great way to save money on your everyday purchases and a convenient way to shop at Target. If you don’t have a credit card or want to avoid high-interest rates, the Target Redcard Debit Card is a great option.

How Does it Work?

Target Redcard Debit Card is similar to regular bank debit cards. Although Target Debit Card has a high APR rate and doesn’t build your credit score, it has various perks, including no annual fee, 30 days return offer, and a 5% discount on all Target products. 

This debit card is a convenient way to shop at Target.  You can use your Target debit card to make purchases online. To use your card, you must have a checking account with a bank that offers Target RedCard services. Once you have a checking account, you can apply for a Target debit card.

When you use your Target Redcard debit card, the funds for your purchase are transferred from your checking account to Target’s account. You will then be able to use those funds to make purchases at Target stores or online. 

If you decide to cancel your Target RedCard debit card, you will need to contact your bank to close your checking account. Once your account is closed, you will no longer be able to use your Target Redcard debit card.

Card Activation

You can easily activate your Target Debit Card by visiting the official Target website or by phone. Here’s how to activate your Target Debit Card via phone:

  1. Simply call the number on your Target Debit Card. 
  2. A representative will pick up your call.
  3. Tell them you wish to activate your Target Debit Card. 
  4. Follow their instructions, and that’s it.

If you want to activate your Target Debit Card online, follow these steps:

  1. Go to
  2. Click on the RedCard option in the navigation pan.
  3. Click on the Manage Your RedCard button. 
  4. Click on the Sign-Up button. 
  5. Enter the required details, such as your card number and expiry date.
  6. Link your RedCard to your bank account, and that’s it!

Benefits of a Target RedCard Debit Card

A Target RedCard Debit Card has a lot of benefits that many people are unaware of. For one, it allows you to save 5% on every purchase made at Target. It also comes with free shipping on any online orders from In addition, you get early access to special sales and promotions. Here are some of the perks of having a Target RedCard Debit Card:

  • 5% Discount

A Target RedCard Debit Card can offer cardholders significant savings on their purchases. On checkout, this card can provide cardholders with a 5% discount on all in-store and online Target purchases. 

This can add up to significant savings over time, making it an excellent choice for those who frequently shop at Target. However, there are a few situations where this discount might not be applicable such as Target optical products, buying alcohol in Indiana, some restaurant merchants, purchases made previously, and so on.

  • Free 2-day Shipping

One of the most significant benefits is getting a free 2-day shipping offer with the card. This can save shoppers a lot of money on shipping costs, especially if they order multiple products or heavy items.

This offer applies to all 50 states of the United States, including FPO/ APO addresses, and Puerto Rico. However, if you have changed or are thinking about changing your shipping method, you will have to pay a shipping fee. 

  • Extended Returns

With a Target RedCard Debit Card, you can enjoy an extended return period on most items purchased at Target. If you’re unsatisfied with a purchase, you can return it within 120 days instead of the standard 90 days. It means you are getting additional 30 days. Plus, you’ll also get free shipping on returns. However, this extended return policy doesn’t apply on non-returnable items and Target Optics purchases.

  • No Annual or Maintenance Fee

A Target RedCard Debit Card offers many benefits to cardholders, including no annual fee. This can save cardholders a significant amount of money each year, making it an excellent choice for those who frequently shop at Target.

  • Easy Apply Process

It is easy to apply for your Target Redcard Debit Card. You can apply for it online or in-store at the checkout, whichever option suits you best. All you need to provide is your basic demographic information and bank account details, and you are all good to go.

Target RedCard Application

Applying for a Target RedCard is really easy. Simply gather the required information and head to the nearest Target store or go online to

To apply in-store, visit the customer service desk and ask for a Target RedCard application. Once you have the application, fill it out and return it to the customer service desk. A credit check will be performed and, if approved, you’ll receive your Target RedCard on the spot.

If you’re wondering how to apply online for a Target RedCard Debit Card, follow these instructions:

  1. Go to
  2. Click on the RedCard option in the navigation bar. 
  3. Scroll down and click on the Apply for Debit button.
  4. Enter the required credentials such as your Name, Email, Address, Phone Number, and Zip Code
  5. Click Continue and choose the verification method you prefer. 
  6. After verifying your identity, provide the required bank account details. 
  7. Click on Submit Application, and that’s it!


To be eligible for a Target RedCard, you must:

  • Be a U.S. citizen or legal resident
  • Be 18 years or older
  • Have a valid Social Security number
  • Have a current mailing address

To apply for a Target RedCard, you will need to provide some personal information, including your name, date of birth, and contact information. You will also need to provide financial information, such as your annual income and employment history. Once you have submitted your application, a Target representative will review your information and decide whether or not you are approved for the card. You will receive your Target RedCard in the mail within 7-10 business days if approved.

If you have questions about the Target RedCard application process, contact a Target representative at 1-800-424-6888 to know more about the process or any future queries.


Target debit card Application fees/charges can be confusing and vary depending on your account type. Here is a breakdown of the fees associated with Target debit cards:

  • The Target RedCard has an annual fee of $0 and an APR of 25.15% (variable). 
  • Late fees and penalties range from $28 to $39. If you’re late on a payment, you may be charged a penalty of up to 5% of the unpaid portion of your bill, plus a late fee of up to $28. 
  • If you default on your payments, you may be charged a penalty of up to 27.9%.

Target RedCard holders are also responsible for any fees associated with the use of their card, including annual fees, late payment fees, and penalties. Target reserves the right to change the terms of the Target RedCard at any time without notice. For more information, visit the Target website.

When Can You Use Your Target RedCard?

It depends on the type of Target RedCard you have. If you have a Target store card or Target Redcard Debit Card, it can only be used at Target stores and However, if you have a Target RedCard MasterCard, it can be used wherever MasterCards are accepted. This card is an excellent opportunity for frequent Target shoppers with various benefits and no annual fee. 

You can use your Target RedCard debit card to withdraw cash from your checking account at any Target store. All you need to do is present your debit card and photo ID at the customer service desk.

Target also allows you to use your debit card to purchase at any store. Just swipe your card and enter your PIN at the checkout. You can also use your debit card to shop online at Select Pay with Cash as your payment method and enter your debit card information.

So, if you’re a Target fan, there’s no need to carry extra cash or checks. Your Target RedCard debit card can be used for all your Target shopping needs!

Target RedCard: Debit Card Vs. Credit Card

There are two main types of Target REDcards – the Target REDcard debit card and the Target REDcard credit card. Both offer 5% off every purchase made at Target, but there are some key differences between the two cards that you should be aware of before deciding which one is right for you. 

Deposit And Payment Difference

The main difference between the Target REDcard debit card and the credit card is that the debit card is linked directly to your bank account, while the credit card is its own line of credit that you will need to pay back each month. This means that if you overspend with your debit card, you may end up overdrawing your bank account, which can result in fees. With the credit card, you will have a monthly bill that you will need to pay, but you won’t have to worry about overdrawing your account. 

Different Benefits 

Another key difference is that the credit card offers some additional benefits that the debit card does not, such as extended warranty protection and purchase protection. However, these benefits come at a price- the interest rate on the Target REDcard credit card is much higher than the debit card. 

Here are some other differences between Target Debit Card and Credit Card:

  • Target Debit Card allows you to spend as much as your checking account. However, Target Credit Card has a spending limit.
  • Debit cards do not affect your credit report. However, Target’s credit card can trigger a credit pull. 
  • Both Target debit and credit cards have similar perks. But Target credit cards charge late penalty fees of around $40.
  • Target debit cards don’t have any interest rates. However, Target Credit Cards have a high APR rate of 25.15%.
  • Target debit cards allow you to have cash withdrawals of $40 at checkouts. However, credit cards don’t have this feature.

So, which Target REDcard is right for you? If you are careful with your spending and you want to avoid paying interest, then the debit card may be the better choice. However, if you want the added benefits of the credit card, then you may be willing to pay the higher interest rate. 

Managing Your RedCard

If you have a Target RedCard Debit Card, you can manage your account online. This is a convenient way to keep track of your spending, monitor your balance, and more. Here’s how to access your account online or by 24/7 helpline accessibility:


To manage your Target REDcard Debit Card, you’ll need to create an online account. Once you’ve done so, you can log in and view your account balance, transactions, and more. You can also use the online account to set up direct deposit so that your Target REDcard Debit Card is automatically reloaded when you purchase.

If you’re having trouble managing your Target REDcard Debit Card online, here’s how to access your RedCard online:

  1. Go to
  2. Click on the RedCard tab in the navigation pan. 
  3. Click on the Manage My RedCard option.
  4. Enter the login credentials, and you’ll be redirected to your RedCard dashboard
  5. You can monitor and manage your RedCard from the dashboard.


If you have a Target RedCard Debit Card, you can manage it via the customer service helpline. This resource provides step-by-step instructions on how to do so.

  1. Call the customer service number on the back of your card.
  2. When prompted, enter your 16-digit card number.
  3. You will then be asked to verify your identity by providing your Social Security number or date of birth.
  4. Once you have been verified, you will be given the option to manage your account.
  5. From here, you can choose to activate or deactivate your card, view your balance, or make a payment.
  6. You can also speak to a customer service representative for assistance.
  7. When you are finished, simply hang up the phone.

Using Your RedCard without the Card

If you’re like most people, you probably have your RedCard with you wherever you go. But what if you find yourself in a situation where you don’t have your card with you? Fortunately, there are a few ways to use your RedCard without the card itself.

  1. Use the RedCard mobile app: The RedCard mobile app is a great way to use your RedCard without the physical card. Simply download the app and sign in with your RedCard information. Once you’re signed in, you can use the app to pay for purchases, track your balance, and more.
  2. Use the RedCard online: If you’re shopping online at, you can also pay with your RedCard without having a physical card. Simply log in to your account and you’ll be able to access all of your account information and make purchases. When you’re ready to checkout, select the RedCard payment option and enter your RedCard information. 
  3. Use the RedCard phone number: If you don’t have your RedCard or access to a computer, you can still use your RedCard by calling the customer service number. A customer service representative will be able to help you with any questions you have or help you make a purchase.
  4. Target Pay: If you have the Target app on your phone, you can also use Target Pay. This is a quick and easy way to pay for your purchases in-store without having to fumble around for your wallet or RedCard. To use Target Pay, simply open the app and go to Wallet, then select Target Pay. You’ll be prompted to enter your RedCard information and then you can use your phone to pay at the register.

Using your RedCard without the physical card is easy and convenient. So next time you find yourself in a situation where you don’t have your RedCard, don’t worry! You can still use it to make purchases and track your balance.

Using Target RedCard with Target Circle

If you’re a Target Circle member, you can use your Target RedCard debit card to earn 1% back on all your Target purchases. Plus, you’ll get access to exclusive deals and coupons. Here’s how it works:

  1. Sign up for a Target RedCard debit card at any Target store or online.
  2. Once you have your Target RedCard, sign up for Target Circle.
  3. Use your Target RedCard debit card to purchase at Target stores or online.
  4. Earn 1% back on all your Target purchases, plus access to exclusive deals and coupons.
  5. Redeem your earnings at any time by shopping with your Target RedCard debit card.

That’s it! Now you can start saving with Target Circle and your Target RedCard debit card.


Does Target Give Cash Back on Debit Card Returns?

Yes, Target gives cash back on debit card returns. If you return an item purchased with a debit card, you will receive the purchase price of the item in cash. There is no need to provide a receipt when returning an item purchased with a debit card.

If you do not have your debit card, you can still return the item and receive cash back. Target will look up your purchase using the debit card number associated with your account. Note that some items may not be eligible for a refund.

Is Target Debit Card Linked to Checking Account?

The answer is yes! Your Target debit card is linked to your checking account and can be used just like any other debit card. You can use it to make purchases at Target stores or online at Plus, you’ll earn Target REDcard Rewards when you use your card.

So if you’re a Target shopper, there’s no need to worry about whether or not your debit card will work. Just use it like you would any other debit card and you’ll be all set! Each time a cardholder purchases something using Target Debit Card, the amount used is deducted from the linked checking account. 

How Do I Cancel My Target Debit Card RedCard?

If you need to cancel your Target Debit Card RedCard, you can do so by calling customer service at 1-800-424-6888. You will need to provide your card number and account information in order to cancel your card. Once your card is canceled, you will no longer be able to use it to make purchases or withdraw cash from ATMs. Another option is to write a cancelation request and post it to the Target RedCard Debit Card Mailing Address:

Target Corporation
c/o Financial and Retail Services
P.O. Box 9491
Minneapolis, MN, 55440.

Can I Pay my Target Bill with a Debit Card?

You cannot pay your Target bill with a debit card. However, you have a few other options available to you. You can either pay your bill online with a credit or debit card, over the phone with a credit or debit card or through the mail with a check or money order. If you need more information on any of these payment methods, you can contact Target customer service.


Target Debit Card is a perfect solution for avid shoppers at Target. The cardholders get various perks, including cash back, discounts, and no annual fee. Both offer similar features, whether you choose a Target credit card or a debit card. 

However, the Target debit card is a better option than a credit card because it doesn’t have any late penalty fees or high APR rates.