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Card Basics

 

Type Credit Needed Annual Fee Intro APR Standard APR Rewards Grace Period Category

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Visa Fair Credit $0 None 9.99% to 18.99%* Store Specific 25 DaysConsumer  

Target REDcard Visa

Related Card Offer:
Capital One® No Hassle Cash(SM) Rewards
APR: 14.90%
Intro APR: 0.00%
Annual Fee: $29
Rewards:Cash Back
Capital One® No Hassle Cash(SM) Rewards
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Target REDcard Visa®

Quick Summary:
This is a Visa rewards card that normally offers rebates on specific brand merchandise or purchases. This offer is issued by Target National Bank. This card is intended for consumers, or "personal use" with a fair credit history. APR's may vary among applicants, however the lowest standard APR is 9.99% and may be as high as 18.99%, depending on your credit worthiness*.

APR's:
There is not an introductory APR for this card, so the lowest or standard rate of 9.99% will apply immediately. The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 4.99% to the U.S. prime rate.

Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid credit record, with no recent negative marks on their report. A FICO score of at least 670 is recommended for a higher chance of approval for the Target REDcard Visa®, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Target REDcard Visa is at least 25 days. So interest charges will not be applied during those days.

This card is intended for consumers, or "personal use".

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.

Approval Rate:
There was 1 person that reported the application status to us after applying. The applicant was not approved. Helpful qualification information, including credit scores, rates, household income and more was reported. There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. If you believe that you fall into the credit record of "Fair Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 670, then your chance of approval may be greater than other applicants.

Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved.

Offer Details:

10% off1 an entire day of shopping at Target. Now that's a nice welcome.

When you open a REDcard account with Target, you deserve a little instant gratification. So right away, you'll receive a certificate good for a 10% off day at Target and 10% off an entire purchase at Target.com. When you sign up online, you can use your 10% discount immediately (ultra-instant gratification) or wait for it to come with your actual REDcard in a few days.


Go ahead and get used to 10% off2 days. Because with Rewards, the more you use your REDcard, the more sale days you get. Shop RED.



Rewards and Benefits:


  • 10% off day with new account
  • Target rewards
  • Target pharmacy rewards
  • Take charge of education
  • Manage my REDcard
  • SafetyNet
  • Protect your identity
  • Automatic bill pay

Other Remarks:
1 Upon credit approval. Some restrictions apply to savings. See details.
2 Subject to Target Rewards program rules.


*Please view and verify the card offer's terms and conditions regarding interest rate, fees, grace periods, approval time and other information before applying.

 

 


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Consumer Card Rate Comparison

APR9.99%
Avg. APR**12.12%
Annual Fee$0
Avg. Annual Fee**$8.11

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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Application and Other Information

 

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