Question 1

What is the Target Red Card?

Accepted Answer

The Target Red Card is a credit card issued by TD Bank that offers discounts and rewards for purchases made at Target and, in some cases, partner stores within Target locations. It comes in various versions, including a credit card, debit card, and reloadable card.

Question 2

How does the Target Red Card work?

Accepted Answer

The Target Red Card provides a 5% discount on eligible purchases at Target. This discount is applied as a reduction in your purchase total. It effectively acts as a form of cashback, saving you money on your Target shopping.

Question 3

Can I use the Target Red Card outside of Target?

Accepted Answer

Yes, you can use the Target Red Card at places other than Target. However, the most significant rewards and discounts are earned when you use the card for Target purchases. There are also multipliers for dining and gas stations, but it's primarily designed for Target shoppers.

Question 4

What are the benefits of the Target Red Card credit card?

Accepted Answer

The credit card version of the Target Red Card offers several benefits, including: No annual fee. 5% discount on Target purchases. 2x rewards on dining and gas station purchases. 1x rewards on all other purchases. Additional perks like two-day shipping, extended return windows, and special offers.

Question 5

How does the 5% discount work?

Accepted Answer

The 5% discount is applied directly to your purchase total when you use your Target Red Card. It effectively functions as a cashback reward, providing you with savings on your Target shopping.

Question 6

Can I get a Target Red Card with no annual fee?

Accepted Answer

Yes, the Target Red Card credit card does not have an annual fee, making it an attractive option for those looking to save without extra costs.

Question 7

Are there different versions of the Target Red Card?

Accepted Answer

Yes, in addition to the credit card version, there are two other options: the Target Red Debit Card and the Target Red Reloadable Card. These alternatives offer similar benefits, including the 5% discount, but with different features.

Question 8

Can I withdraw cash with the Target Red Card credit card?

Accepted Answer

No, the credit card version of the Target Red Card does not allow cash withdrawals. Attempting to withdraw cash with a credit card can result in cash advance fees, so it's best used for purchases at Target and other eligible locations.

Question 9

Are there any minimum redemption requirements for rewards?

Accepted Answer

Yes, to redeem your rewards, you typically need a minimum of ten dollars in rewards. Keep in mind that these rewards are often in the form of Target gift cards.

Question 10

Do my rewards on the Target Red Card expire?

Accepted Answer

No, one of the benefits of the Target Red Card is that your rewards do not expire, allowing you to accumulate savings over time.