Target Mastercard Terms and Conditions

Plus, you don`t pay shipping when you shop at, and you can get an extra 30 days to return a purchase. In addition, you do not pay an annual fee. You don`t get the discount on prescription drugs, but there is a separate program through Target`s pharmacy that can help. And if you use the debit card, you can withdraw up to $40 in cash when you checkout. Note: We do not provide technical support for developing or debugging scripted download processes. To ensure that our website works well for all users, the SEC monitors the frequency of requests for content to ensure that automated searches do not interfere with other people`s ability to access content. We reserve the right to block IP addresses that make excessive requests. Current policies limit users to a total of no more than 10 requests per second, regardless of the number of computers used to send requests. The credit card APR of 23.9% is high, but standard for business cards. It varies according to the key interest rate. Expect it to rise in the coming years. And there is no adoption rate. Unauthorized attempts to upload information and/or modify information on any part of this website are strictly prohibited and subject to prosecution under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act of 1996 (see 18 U.S.C.

§ 1001 and 1030). Store cards aren`t quite what you think. The retailer enters into an agreement with a financial institution to offer a branded credit card. The company and the bank contribute to the interest and fees that the customer ultimately pays. You have 25 days after the end of your billing period to pay all fees and avoid interest. Late payment fees are up to $38 based on payment history, but there is no APR penalty. It`s not like a regular credit card. There is no wire transfer and the card can only be used in Target stores. It`s not meant to be used outside of Target and it comes with a much higher interest rate than a traditional credit card.

On the other hand, the instant 5% discount on each purchase is simple and straightforward. There are no reward points to watch, and the monetary value of the reward is often higher than other cards. The Target REDcard comes in two forms: a traditional credit card and a debit card that is automatically deducted from your existing checking account. Everyone has similar benefits. In-store credit cards are the subject of much criticism. Due to Target`s data breach in 2014, signing up for its credit card could be greeted with some skepticism by anyone. But the data breach can happen to any company if you believe the experts. Is the Target REDCard worth a place in your wallet? If, like many people, you`re with Target more than once a week, the Target REDcard credit card could be a welcome addition to your wallet. You get 5% off Target purchases and access to exclusive benefits such as free two-day shipping and extended 30-day returns.

Target Mastercard is for former Visa cardholders only – new applications are currently not being accepted. Current policies limit each user to a total of no more than 10 requests per second, regardless of the number of computers used to send requests. To ensure that remains available to all users, we reserve the right to block IP addresses that make excessive requests. The card is not for rewards. You do not accumulate points when you buy and there is no sign-up bonus. Instead, you get a 5% discount every time you use the card at a Target store. This may sound a bit boring, but the math comes in your favor. If you don`t have to wait until you`ve accumulated a series of points, you`ll receive instant rewards. The lock is automatically unlocked while waiting 10 minutes. If you continue to exceed the SEC`s maximum allowable application rate during the expiration period, the duration of the expiration period will be extended.

To ensure equitable access for all users, please reduce the rate of your requests and review after the 10-minute break expires. By using this website, you agree to security monitoring and auditing. For security reasons and to ensure that the public service remains accessible to users, this government computer system uses network traffic monitoring programs to identify unauthorized attempts to upload or modify information, or otherwise cause damage, including attempts to deny service to users. If a user or application submits more than 10 requests per second, other requests from the IP address may be limited for a short time. Once the request rate drops below the threshold for 10 minutes, the user can continue to access content on This SEC practice is designed to limit excessive automated searches of and is not intended or should not affect individuals browsing the website For best practices for efficiently downloading information from, including the latest EDGAR submissions, see You can also sign up for email updates to the SEC Open Data program, including best practices that make downloading data more efficient and improvements that can affect scripted download processes. For more information, please contact

The Target REDcard™ credit card offers a 5% discount if you use it on Target and for eligible purchases. This discount is applied immediately at the time of departure instead of being granted as cashback. However, the APR is high enough that all interest payments cancel out the benefit of the discount. Calculate only what you can pay at the end of the month. Note that this policy may change if the SEC manages to to ensure that the site operates efficiently and remains available to all users. For more information, see the SEC`s Privacy and Security Policy. Thank you for your interest in the U.S. Securities and Exchange Commission. Financial gurus would call this positive, as it doesn`t allow a person to top up the card in a store, but some consumers may find it restrictive. If you`re looking for a card that allows you to earn rewards for purchases anywhere, this isn`t the card for you.

In fact, there are currently several excellent cash back cards that have much cheaper APRs. You`ll also get free two-day shipping on eligible items from, with free standard shipping on all items that are not eligible for two-day shipping. There are also exclusive discounts, early access offers and an additional 30 days for returns. .