How to Make a Target Payment

Updated July 11, 2022 – Below you will find the key information you need as a Target Red Card credit card holder to access your account online, make payments, and reach customer service for further assistance.

Four ways to make your RedCard Credit Card payment
  1. Online. Log in at Pay now.
  2. By Phone. Call 800-659-2396.
  3. In Store. Pay at Guest Service Counter.
  4. By Mail. Send payment to the address on your billing statement.

Target Red Card Payment Video Guide –

You have no gift cards

Keep your gift cards safe, add them to your account.

Maria Adams , Credit Cards Moderator

@m_adams • This answer was first published on 05/07/21 and it was last updated on 04/16/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

The easiest way to make a payment on your Target Credit Card is either online or over the phone at (888) 755-5856. Alternatively, you can make a payment in a Target store, or by mail.

How to make a payment on your Target Credit Card:

  • Online: Log in to your Target account on the website and click “Pay Now.”
  • Over the phone. Call (888) 755-5856 and follow the prompts to make a payment, or ask to speak with a Target guest services representative.
  • In a Target store. You can pay your credit card in person at any Target store, too. Visit the Guest Service Counter, and have your billing statement or Target Credit Card ready, so the attendant can look up your account number.
  • By mail. If you prefer to pay your Target Credit Card by mail, send a check and your payment coupon to: Target Card Services P.O. Box 660170 Dallas, TX 75266-0170
  • Keep in mind that payments via mail take the longest time to post. So, in order to avoid being late, always send your payments at least 5-7 days before your due date.

    Yes, store credit cards can help build credit, if you use them wisely. Store credit cards report your payment history to credit bureaus the same as a regular consumer credit card. If you make timely payments for more than the minimum due, and stay within your credit limit, a store credit card can go a long way in building, or even rebuilding your credit.… read full answer

    A store credit card is a card offered by a retailer. Its not to be confused with a charge card, in that a store credit card does not require you to pay off the entire balance every month. Store credit cards are also known as closed-loop cards, which means it can be used only for purchases within the store, its website, or affiliated stores. Retailers may also offer open-loop, or co-branded store cards. Theyre store cards, but theyre on a credit card network such as Visa and Mastercard, and can be used anywhere the networks cards are accepted.

    You can use a store credit card to help build credit because theyre generally easier to get. Most store credit cards require a minimum fair credit score to have a chance of being approved. The drawback is that youll likely start out with a higher interest rate and a lower credit limit than you would with a co-branded credit card. Co-branded store cards also come with stricter approval requirements.

    Where you can run into trouble with a store credit card is the temptation to overspend. Your favorite retailer may bombard you with promotional offers, discounts and sales announcements. Its pretty easy to make additional purchases in the store, or online, thinking your sales item purchases will make up the difference.

    In the end, youll end up canceling out any discounts and burning up most of your credit limit. That doesnt bode well for your credit utilization, which should be at less than 30% of your available credit. And then theres the interest that will be tacked on if you have to carry a balance to the next month.

    Speaking of interest, be wary of any 0% promotional offers, particularly for large purchases. Unlike a 0% APR youll find on some regular credit cards, over half of all store cards operate on deferred interest, according to a WalletHub study. If you dont pay off the balance by the end of the promotional period, youll be charged all the interest accrued on the original purchase price.

    So store cards can definitely help you build credit, as long as you pay your bills on time and preferably in full, while maintaining a low credit utilization. The same rules apply to a regular credit card, so feel free to check out more tips on how to build credit with a credit card. Some of the best store credit cards offer extensive rewards and are worth getting, especially if you already shop at their respective stores.

    No, you cannot use the Target Credit Card anywhere. The Target Credit Card, also known as the Target RedCard, can only be used at Target stores, online at, or through the Target mobile app because it is a store credit card.

    On the other hand, the Target Mastercard credit card can be used anywhere Mastercard is accepted. The Target Mastercard is no longer available to new applicants, though.… read full answer

    The Target Credit Card requires a credit score of 640 or over, meaning you will need a fair credit score or better to get it. The Target Credit Card is a store card, and just about all store credit cards require fair credit. But because it’s a store credit card, it can only be used to make Target purchases, in-store and online.… read full answer

    When you apply for a Target Credit Card, your credit score is one of the major factors that the card’s issuer will consider. But it’s not the only factor. Your income, employment status, debts and housing information matter, too. But generally speaking, the higher above 640 your score is, the better your odds of approval are.


    Can you pay your bill on Target app?

    Target Launches Wallet in the Target App: a Faster, Easier Way to Pay and Save. Today we’re introducing Wallet in the Target app, a smart new way for guests to pay and save at Target stores. With Wallet, guests can pay using their Target REDcard and save with Cartwheel—all in a single scan of their phones at checkout.

    Can you pay Target card with credit card?

    hides content. only accepts one credit card payment per order. A Target Credit Card® or Target® Mastercard® can’t be combined with the Target Debit Card™. However, a credit card or the Target Debit Card™ can be combined with up to 10 Target GiftCard payments.

    How do I log into my Target RedCard?

    To log in to your Target Credit Card account, visit the login page on the Target website and enter your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.

    How do I add money to my Target debit RedCard?

    From here, you have four options to add funds to your Redbird Card:
    1. Direct Deposit – using your employee paycheck (up to $100,000/year)
    2. Cash / Debit Card / Credit Card – loadable inside Target stores (up to $2,500/day and up to $5,000/month)
    3. Bank Account – link your checking or savings account (up to $2,000/month)

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