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Target® Credit Card

Approval Odds

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3.2 out of 5 stars
103 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

3 out of 5 stars

3 5

Most Helpful Positive Review

Mar 20, 2016
Quite Decent and Favorable
ceij85 Cardholder

This is my first ever post, but I wanted to share my journey.  I had my chapter 13 discharge in October of 2014.  I was approved for the Target card May of 15 with a 300 credit limit.  I used it, paid it in store eventually i was over 30% and started paying it back down.  By October of 15, around my birthday they auto increased me to $700.  I did a little christmas shopping, and continued to make monthly payments along with paying off anything i bought in store at that moment.  I went to Houston in January, and when I got home, but limit was increased to $1200.  

I'm not totally sure why I've been fortunate with them thus far, but I am happy the account is growing.  I was concerned due to the many negative reviews out there, but none of that has been my experience.

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Most Helpful Negative Review

Mar 30, 2016
Crappy credit increase process
Anonymous Cardholder

My wife and I both have FICOs over 800. Credit card companies love us (except we never carry a balance). I love the 5% discount of the RedCard and would have shopped at Target much more if they had increased our line, but our limit sat at $200 for 5 YEARS. Finally today I get a letter saying they raised it to a whopping $500. Are you kidding me? I guess we could now go on an actual supply run there without using another form of payment, but it's still paltry.

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These reviews were written by current and former cardholders in the last year.

Dec 06, 2016
Great card, easy to get CLI
mikmakmom Cardholder

I've had this card since December 2015 (now December 2016) I started with $300 CL.  Now at $2000.  Every two months they bump up my limit. I do my grocery shopping here so I am charging it every week, and paying it off 2 days later, that might be why. Either way I'm very impressed with how quickly I was able to build a decent credit limit with Target and enjoy the 5% off

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Dec 03, 2016
Not the best card out there
Anonymous Cardholder

I've had this card for over 3 years my credit score is ok 690 over 50 points higher than when I started the card I've never been late. And have always paid more than what the limit is and is sitting currently at a 0 balance and I've updated my income online but my credit limit has never changed and has stayed at 300 I love target just not my red card :(

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Dec 02, 2016
approved with a 613 score // $200 limit
Anonymous Cardholder

Stared with capital one secured credit card $200 

made payments for 9 months straight 

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Nov 29, 2016
Mrspinedaaaa Cardholder

Got approved instantly for $200. I just opened it a couple days ago! I'm in the process of trying to rebuild my credit. My TU score is 619! I'm super shocked and super happy! Hopefully I can get an increase soon! 

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Nov 24, 2016
Great for me!
Chibaker01 Cardholder

I have had this card for just over a year. When I applied my score was in the 530's. I'm rebuilding my credit and thought the target credit card would be a good one to have. I was right! I was approved online for 300 cl with a quick online application. A few months later I was upped to 800. A few months later it was upped to 1,300. Just recently it went to 2,000. This card I usually carry anywhere from a half balance to a very high one depending on what part of the month it is. It has been very good to me and I love the 5%. I have never had to use the customer service so I can't comment on it. Basically we this card just pay on time even if you carry a high balance and you will see credit limit increases. 

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Nov 22, 2016
Changes without my content
Anonymous Cardholder

I recently tried to use my Redcard over the weekend only to find out it was 'closed' and had to use my bank debit card instead. I was embarrassed and could not use my discounts card with my debit card like I could with my Redcard.

I called Target, number on back of card, first person hung up on me, oriental bitch. Second time I called, told them about OB, and inquired as to why I was not able to use my card. They mentioned they sent me a new card with increased spending limit up to $10k and thought if I do not call them to cancel it then I want the card. First, I never got the card, and they assume this? How can one assume when one does not see whether or not I received the cards they supposely sent to me? Who authorized this? I never asked for an increase. All this to have my Redcard cancelled? This is so screwed up. DUMB! Who is the idiot that oversee this Redcard program at Target? Show your face so we can see how dumb you look with the policies you put in place. I told the second support agent to scrap my account, close it for I never want to use Target Redcard and I will not endorse it after this. I work for Target and just thinking 'Who the hell you people think you are to walk over them like you did me with the Redcard?'. As for that dumb oriental woman who hung up on me, showed me a sinister side to Target. Scrap your Redcard program all together.

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Nov 22, 2016
It's ok
kristania7 Cardholder

I called their customer service to close the card. The guy on the other end was so sweet and he tried his best for me not to close the account. After several confirmation that I am closing the account, his attitude towards me changed, rushing throught the conversation as if I am not important and wasting his time. "Great" Customerservice.. NOT.. 

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Nov 21, 2016
The 5% helps!
MKD0611 Cardholder

First post! I can't say I'm in love but I haven't had any real issues. Payments always process fairly quickly and their customer service is helpful.  I was approved with $300 limit and after having a low to no balance account within roughly 3 months I was bumped (without even knowing for a least a week) to a $700 CL. I just use it and pay it right off as soon as the purchase posts!

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Nov 16, 2016
Nice Card At This 5% Savings

They Just Sent Me An INACTIVITY Account Closure Death Threat.

I Am Not Cool With This & Okay So Now I Will Use My Target Red Card.

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Nov 09, 2016
Worst credit card ever!
Anonymous Cardholder

The last time I had used my card was in May. In July I called the target number to find out my total balance so that I could pay it completely off. They only gave me a partial balance. The remaining balance added late fees and three months later I owe about $200. A complete shock to me as I thought I had paid it completely off. I feel their system is flawed and takes advantage of the credit card users. I would not recommend this card to anyone.

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Target® Credit Card