If you are an avid Target shopper then the Target credit card, also known as the REDcard can bring about awesome savings and an overall much more enjoyable shopping experience. Target credit card holders start off with enjoying 5% on all purchases every single day of the year as well as free shipping on each order, which the same discount applies to online purchases. There is also the Target Pharmacy Rewards program that comes with being a REDcard holder which equates to an extra 5% off on Target purchases for every 5 prescription purhcases. Online account management and payments as well as Target dontating 1% Target credit card purchases to a to your childs school, in which over 300 million has been dontated, are just a couple more benefits that come with being a card holder with Target. Now there are 3 different types of Target credit and debit cards that apply to all the benefits, which the options are discussed right below.
The Target Credit Card Lineup
Target Credit Card – This is the basic credit card option and offers you all the benefits mentioned above.
The Target Debit Card – On top of the benefits mentioned above, the basic Target credit card holders enjoy other benefits that consist of being able to get up to $40 cash back at registers.
Target Visa Credit Card – The Visa Target card offers you the opportunity to use the card in Target stores as well as at any other location that accepts Visa. Target is also affiliated with Billeo which offers the Target Visa credit card holder the opportunity to pay their Target credit card payment by phone as well as pay other bills like utilities and cable and more.
Applying For A Target Credit Card
There are two ways to apply for Target credit cards, which the first one is by doing it online through Targets REDcard application website, or you can also do it by visisting any Target location and inquiring about it at one of the checklanes. If you opt to do this option, you will be helped through the process by one of Targets employees as well as not having to worry about mailing in your applicaion like you would if you did it online. As far as terms and conditions go, the Target credit card holder will experience the following:
- No annual fee.
- A 22.90 APR on purchases.
- No mimimum purchase amount to enjoy free shipping.
- Penalties as high as $25 or returned payment as well as a maximum of $35 for a late payment.
- Payments due on the 25th day after the last billing cycle. Which if you happened to come to this page looking for information on making your credit card payment to Target, you can visit the following link which provides you with all the methods that you can use to make your payment: Target Credit Card Payment.
For those who who want to equipt their Target credit card with optimal security, there is the the SAFTEYNET option that you can opt for on their REDcard application in which ensures you for things like; involuntary unemployment, disability, leave of absence, requalify your after balance cancellation and more which are also known as protected events, all of which offer personal protection related to your Target credit card account. The price for the SAFTEYNET program is that you pay 99 cents on every $100 that you spend each month with your Target credit card.