This is by far the best retail card on the market. Target already has everything reasonably priced and you can find nearly everything at their stores and online so you can save money on almost anything. You get a 5% discount when paying so you don't have to deal with having to redeem points or cash back which makes this card very nice and simple. I would recommend using only this card when paying at target.

To anyone considering this crap card do not get it this is the by far the worse card I have had I have had this card for 7 years in good standing and because I am responsible with my cards and didnt use the card since may of 2019 they reduce my 2500 dollar account to 1200 then they dropped it to 400 and now today they canceled it and when they did it dropped my score on my credit 18 points due to the fact its one of my oldest cards I will never apply again for their card nor shop Target I have a walmart Card with a 2800 dollar limit they have never stopped me or lowered my card because of non use dumbest thing I have every heard of , anyone looking for a card dont get this one go with Walmart I know I will be taking all my business there from now on.

I was denied this card with 689 fico with both transunion and equifax and a 717 fico with experian. I only applied because im trying to build my credit and with credit karmas rating it seemed like a safe bet. Now my scores been dinged 7 points and a hard inquiry with no card issued will be on there for two years. Thanks for nothing Credit Karma.

Credit karma says very good odds for this card but got a review in 7-10 days

I applied for this card in a target store on December 23, 2019 and was approved. They gave me a receipt and said that it was going to be my temporary card and if I wanted to use it, I can only use it in store. The very next day a charge on my account for $217 appeared on my account. The charge came from Target.com and I was furious because there was no way that was me. I called them on January 3, 2020 and explained the situation, but they told me that first they need to review my account for “fraudulent” activity. Target had locked my account so there was no way I could verify I was the owner unless I sent them personal information over fax. After 2 weeks and many faxes later I had the charge cleared. Closed the account immediately after

I have a credit scores from TU of 740 & Ex 739. I have been a card holder for 18 months, use the card frequently, and still have the original credit limit of $700. I have cards with $5,000-$10,000 limits, yet no increase. I have contacted customer service several times & I’m always told the same “we increase limits monthly when we review your account”. Explained I refuse to go over 15% of my credit on any card, and would spend more & use my card more often, yet they don’t seem to want to reward good customers. I like the 5% discount but would truly like a credit increase. Don’t understand with scores this high how you get an increase?