Apply Online for Target REDcard: Save 5% off Everything & FREE Shipping at

I have raved about the Target REDcard on numerous occasions, because it saves you so much money! You can apply online for a Target REDcard and choose from either the Target debit card or the Target credit card. There is no annual fee for either of these cards.

My favorite benefits of the Target REDcard are FREE shipping all the time at, with no minimum purchase required and an extra 5% off your bill when you shop either in-store or online. These are HUGE perks!

REDcard debit card – Apply now: The Target Debit Card can be used at Target stores and at It draws right from your existing checking account, just like writing a check.

REDcard credit card – Apply now: The Target Credit Card can only be used at and Target stores.

The major benefits of having a Target Red Card:

  • 5% off your entire purchase at Target &
  • FREE Shipping on any size order at (this is great for when you see clearance items or only need one item)
  • 30 extra days for returns
  • No need to save your receipts, you can have them look up your transaction by scanning your Target REDcard

Gina Pizzolato says

I just applied for my Debit Red Card, when will I receive my card? And, can I get my 5% discount today by using my application ID number?

What kind of income do I need to apply for a Target credit card I am a senior citizen and I’m going to go and how do I qualify

I have no idea what the qualification are, but I am assuming you could get the Target Debit Card without any problems.

Another alternative is the Target Prepaid REDcard. The prepaid version offers all the aforementioned REDcard benefits, but it is issued by American Express. As such, it can be used at stores or online anywhere Amex cards are accepted and it provides up to $50K/year purchase protection. Additionally, it doubles as a free checking account (free bill pay & deposit, no min deposit or monthly fees) and it offers budgeting tools with its sub-accounts feature. The Prepaid REDcard requires no credit or ChexSystems approval.