How to Apply for a Target Credit Card
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Wondering how to apply for a Target credit card? We’ve got you covered. Follow our step-by-step guide and you’ll be on your way to saving big on your next Target run.
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Introduction
Target offers two different credit cards: the Target REDcard and the Target Mastercard. Both cards offer great benefits like 5% off all Target purchases, free shipping on Target.com, and more. So how do you know which card is right for you? Here’s a quick overview of each card to help you decide:
The Target REDcard is a store credit card, meaning it can only be used at Target stores and on Target.com. If you’re a frequent Target shopper, this card is a great choice for you. You’ll automatically get 5% off all your Target purchases, plus free shipping on Target.com orders of $35 or more. The Target REDcard also comes with some additional benefits like extended returns and exclusive coupons and discounts. However, there is one downside to the Target REDcard: it has a high interest rate of 23%. So if you plan on carrying a balance on your card, this may not be the best option for you.
TheTarget Mastercard is a general-purpose credit card that can be used anywhere Mastercard is accepted – not just at Target stores. If you don’t shop at Target often but still want to take advantage of the 5% discount, this is the card for you. You’ll get 5% off all purchases made atTarget stores and on Target.com, plus free shipping onTarget.com orders of $35 or more. TheTarget Mastercard also comes with some additional benefits like extended returns and exclusive coupons and discounts. However, like theTarget REDcard, theTarget Mastercard also has a high interest rate of 23%. So if you plan on carrying a balance on your card, this may not be the best option for you.
Eligibility requirements
To apply for a Target REDcard, you must:
-Be a legal resident of the United States
-Be at least 18 years old (19 in Alabama or if you are a ward of the state)
-Have a valid Social Security number
-Have a verifiable physical U.S. mailing address
Applying for a Target credit card
A Target credit card can save you money on your purchases both in-store and online at Target.com. You’ll also earn valuable rewards with every purchase, which can be used toward future Target purchases or applied to yourTarget REDcard bill.
To apply for a Target credit card, visit the Target website and click “Apply Now” under the “Credit Cards” tab. You’ll be taken to a secure page where you can fill out an application. To complete the application, you’ll need to provide your personal information, contact information, annual income and employment status. Once your application is complete, click “Submit” and wait for a decision from Target.
If you’re approved for a Target credit card, you’ll receive an email notification within 7-10 business days. You can then activate your account and start using your card immediately. If you’re not approved for a Target credit card, you may be offered a Target REDcard instead.
using a Target credit card
A Target credit card can be a great way to save on your Target shopping trips, as well as earn rewards that can be used for future purchases. Here’s how to apply for a Target credit card online or in store.
To apply for a Target credit card online, visit the Target website and click on the “Credit Cards” link at the bottom of the page. On the next page, click on the “Apply Now” button.
You will then be taken to the online application, where you will be asked to provide your personal information, contact information, and financial information. Once you have filled out all of the required fields, review your information and click on the “Submit Application” button.
If you are approved for a Target credit card, you will receive an email confirming your approval and providing instructions on how to activate your account. You can also activate your account by calling the customer service number listed on the email.
If you would prefer to apply for a Target credit card in store, visit the customer service desk at your local Target store and ask for an application form. Fill out the form and return it to the customer service representative. You should receive a decision on your application within minutes.
Target credit card benefits
If you frequently shop at Target, you may want to consider applying for a Target credit card. Target credit cards offer a number of benefits, including 5% back on all Target purchases, free shipping on Target.com, and exclusive discounts and deals. In addition, Target credit card holders can take advantage of a number of special financing offers, such as 6 months financing on purchases of $199 or more.
To apply for a Target credit card, you can either visit a Target store and apply in person, or you can apply online. When applying online, you will need to provide your name, address, date of birth, social security number, and annual income. You will also need to create a user ID and password for your account. Once you have been approved for the credit card, you will receive your card in the mail within 7-10 business days.
Target credit card drawbacks
Drawbacks of the Target credit card include its high APR, limited rewards and Target-specific redemption options. If you frequently carry a balance or shop elsewhere, you may be better off with a different card.
Conclusion
Now that you know how to apply for a Target credit card, it’s time to start enjoying the benefits. With this card, you’ll earn 5% off every purchase you make at Target, as well as receive exclusive discounts and deals. You can also take advantage of Target’s REDcard program, which gives you free shipping on most Target.com orders and an additional 30 days to return items. So what are you waiting for? Apply for a Target credit card today!
