Visa Credit Cards > Target REDcard Visa®

Target REDcard Visa®

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.

Other details about this card:

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

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Available Reviews

Target has been giving out pre-approvals at the register. You have to use a debit card. Check your receipt carefully. It says pre approved as long as you can prove your identity. You give it back to the cashier, she asks for your idea. You put in some info into the credit card machine (30 seconds) and they instantly give you a temporary card and limit.

Ok I know I need to stop applying for credit, especially if I want that discover, but I couldn't resist. I love target, I'm always spending lots of $$$ there. Besides I saved 10%.... Yes it's lame I know... I applied at the store and got the Target Visa with a 2k limit!! Now I really need to stop. And I'm gonna. No more credit apps for a year, then I'll apply for a Discover. In my defense I needed a visa. I have 3 mastercards, one visa, and the one amex.... That isn't that bad....right?

I got this message when I applied

Your application requires further processing.
You will receive a response in the mail within two weeks.

Has anyone else got this message?

Hello,

I called Target Visa a few days ago and went through their automated system. My account balance is $0 and I have had this card for about 4 years now, never late, always on time. I got routed through the prompts and pressed option 2 for a Credit Line increase and within 3 seconds, it told me I was approved for a 1000 dollar increase and that my new line was $6000. I pressed 0 to go to a CSR and they confirmed this. I told the csr that surely Target Bank didn’t pull a credit report that fast on me, he advised that Target Bank has their own internal scoring process, not to mention the bureaus report to them each month and vice versa, based on my internal point scale, they approved it immediately without a hard inquiry to the bureaus. I asked if they could lower my interest rate (pushin\' it) and he told me to call back in May, which is when they review accounts for lowered rates!! I said awesome!! I was surprised that Target Visa was so generous. Rockin35!!

I applied for this card and they told me application under review can anybody who has this card give me some Info. they gave me a number that I will check like two days from now..

Thank you.

Alex

Called, said "declined". She automatically told me that when you apply in the store they use different criteria. Thought I was going to wait until Dec...but tried anyway. I'll wait unitl Dec and go into the store like very one on the post told me to do anyway LOL!!

Still in good sprits though...waiting on my BOA partial secured!!

It's a pretty big mystery around here how target issues credit and upgrades to visa. I was reading yoyo's story of how the cs rep told her they have different criteria for approving credit online than they do when you appy in the store.

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I think target marketing dept is involved with issuing credit in the store in a scheme to get more regular target shoppers MY THEORY IS THE LESS YOU SHOP AT TARGET THE MORE LIKELY YOU ARE TO GET THE PREAPPROVAL SLIP WITH VERY LITTLE REGARD TO YOUR CREDIT HISTORY.

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For instance, I used to be a pretty regular target shopper until a pretty embarrassing incident happened in the store (don't want to talk about it).

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Anyways, I did not go back into target for over a year out of shame while i waited for the incident to blow over. The day I got the nerve to go back into target after over a year of avoiding thiem I used my debit card and I got the preapproval slip.

It seems as if they were pulling out all the stops to get my business back.

Most people that I hear about getting the visa upgrade have similar stories. I hear a lot of people that had sock drawered their redcard for a while and then used it on a whim, and bam in the mail came the upgrade. It's as though target offered the visa so that they could begin to advertise target to themselves everywhere else they shopped by having that big target logo more likely to be in their wallet (and get some high interest from them in the mean time).

. . .got Target store card instead. With guess what? $200 CL. I hope to work my way up the ranks. Sheez.

I have a Red Card with a $200 cl and I went in to the store today and said that I wanted a upgrade and the gave one a Target Visa with a $2000 cl and get this I have only had the Target Red Card for 3 months so that was a pretty good upgrade.

So anyone with a red card try this it may work for you too!!

Okay i think im going crazy with this whole application thing.
Just approved for this card instantly

EX 588 :(
EQ 633
TU 655

CL $1000
APR % ???

Just FYI comment here for those of you wondering about the Target Visa rewards card. My family and I were out Christmas shopping last November and we were at the register after racking up over $500 in X-mas gifts and I used my Visa debit card to pay... The cashier said I was pre-approved for a Target Visa card and asked for my DL. I obliged and received an initial CL of $2,500 on the spot, plus received 10% off of my purchase if I used my new card. Things have been great with target thus far. I recommend this Visa card if you're a Target shopper like we are. One last comment, it is the lowest line of credit I have in my arsenal, and they have not automatically raised my CL to date, nor have I requested a CL increase.

i have had this card since 2004 with a $1500 limit and currently have a 733EQ and called in to see if i can get a CLI. They told me that i cant get an increase because i dont have a real estate or mortgage. A MORTGAGE what are you talking about. I need to own a house to get a CLI. they are nuts!! his card is the lowest CL i have. i immediately closed the account.. never going to target again!!