Target Credit Card payments can be made online through three main routes: the Target website, the Target mobile app, or your bank's bill pay system
The fastest way is logging into your Target account on target.com or the Target app, finding your credit card account, and paying directly there. You can also set up automatic payments so the amount you choose withdraws on a date you pick each month. If you prefer to pay through your own bank, most banks' bill pay systems let you send money to Target's payment processing center — you'll need Target's mailing address for that route, which your bank's bill pay system will provide or you can find on your Target credit card statement.
All three methods are free and take effect within one to three business days. The key difference is where you log in and which account you're managing from — Target's system, the Target app, or your bank's system.
Key Takeaways
- You can pay online through target.com, the Target app, or your bank's bill pay feature without paying a fee.
- Payments made through Target's website or app usually post within one business day; payments sent through bank bill pay typically take two to three business days.
- Setting up automatic payments through Target's website means you choose the amount and date each month, and the payment happens without you logging in again.
- Your Target credit card statement lists the payment address if you want to mail a check, though online payment is faster.
Paying through the Target website or app
Go to target.com and sign into your account using your email and password. Once logged in, look for "Account" or "Credit Card" in the menu — the exact label varies depending on whether you're on desktop or mobile. Select your Target credit card account from the list if you have more than one card.
You'll see your current balance, due date, and a button to make a payment. Click it and enter the amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Choose the date you want the payment to come from your bank account — usually the same day or within one business day. Review the details and confirm. The payment posts to your account within one business day in most cases.
To set up automatic payments, stay in your credit card account section and look for "Automatic Payments" or "Recurring Payments." Choose the amount (full balance, minimum, or a fixed dollar amount), the date each month you want it to happen, and confirm. After that, the payment happens on its own each month until you change or cancel it.
Paying through your bank's bill pay system
Log into your bank's website or app and find the bill pay or payments section. Add Target as a new payee if you haven't already. Your bank will ask for Target's mailing address — this is the address where Target Credit Card payments are processed, not your local Target store. Your bank's bill pay system usually has this address on file or will provide it when you search for "Target Credit Card."
Enter the amount you want to send and the date you want the payment to leave your bank account. Your bank will mail the payment or send it electronically to Target's payment processor. This method typically takes two to three business days to post to your account, so plan ahead if your due date is soon.
The advantage of paying through your bank is that you see all your bills in one place. The disadvantage is the longer processing time compared to paying directly through Target's system.
What happens if you miss your due date
If your payment doesn't arrive by the due date shown on your statement, Target will report it as late to credit bureaus. Late fees and interest charges explore after the due date passes. Even if you're only one day late, the fee appears on your next statement.
If you realize a payment won't make it in time, log into your Target account and make an when ready payment online — this is faster than waiting for a mailed check or bank bill pay to process. Calling Target's customer service number on the back of your card is another option if you need to discuss the late payment or ask about fee reversal, though they cannot remove a late fee that has already posted.
Payments that don't go through
A payment can fail if your bank account doesn't have enough money, your card number changed, or the account information you entered was incorrect. If you set up automatic payments and one fails, Target usually sends an email or text alert. Check your email and the notification details to see why it failed.
Log back into your Target account and try the payment again with updated information. If your bank account changed, update it in your Target account settings before trying again. If the problem is on Target's end, their customer service team can help — call the number on your card statement.
Frequently Asked Questions
Can I pay my Target credit card with a different payment method, like a debit card?
No. When you pay your Target credit card bill, you must pay from a bank account (checking or savings). You cannot use another credit card, debit card, or gift card to pay your Target credit card balance. This is standard for all credit card issuers.
What if I want to pay more than once a month?
You can make as many payments as you want through the Target website, app, or your bank's bill pay. There is no limit on the number of payments per month. Some people pay weekly or whenever they have extra money to reduce their balance faster.
Do I have to set up automatic payments, or can I pay manually each month?
Automatic payments are optional. You can log in and pay manually whenever you want, or set up automatic payments and skip months by canceling that specific payment in your account. Manual payments give you more control; automatic payments mean you won't forget.
How do I know if my payment went through?
After you confirm a payment online, you'll see a confirmation number on the screen and usually receive an email receipt. Log back into your Target account a day or two later to verify the payment appears on your statement. Your available credit should also increase once the payment posts.
What's the difference between the due date and the payment posting date?
The due date is the important date — if your payment doesn't arrive by this date, it's late. The posting date is when the payment actually shows up in your account and reduces your balance. Payments made online usually post within one business day, but bank bill pay can take two to three days, so pay early if your due date is close.