Where to log in to your Target credit card account
Target credit card payments are managed through Target's own website and mobile app, not through a third-party payment processor. You log in at target.com/account or through the Target mobile app by entering your username and password. If you do not have a Target.com account yet, you will need to create one before you can access your credit card payment options.
Once you are logged in, look for a section labeled "Credit Card" or "Manage Your Card" in your account menu. This is where you will see your current balance, recent transactions, and the option to make a payment. The exact location varies slightly depending on whether you are using the website or the app, but both routes lead to the same payment screen.
If you have forgotten your password, Target offers a password reset link on the login page. You will receive an email with instructions to create a new password. This process typically takes a few minutes.
Key Takeaways
- Log in at target.com/account using your Target.com username and password to access your credit card account.
- You can make a payment through the Target website, the Target mobile app, or by calling the customer service number on the back of your card.
- Payments made online or through the app usually post within one business day, though the exact timing depends on when you submit the payment.
- You can set up automatic monthly payments so your bill is paid on the same date each month without logging in each time.
- If you do not have a Target.com account, you will need to create one before you can pay your credit card bill online.
Making a payment through the Target website
After logging in at target.com/account and navigating to your credit card section, select the option to make a payment. You will see your current balance and the minimum payment due. You can choose to pay the full balance, the minimum amount, or any amount in between.
Enter the payment amount you want to send and select your payment method. Target accepts payments from a bank account (checking or savings) or from another credit or debit card. If you are paying from a bank account, you will need to provide your routing number and account number. If you are paying with a card, enter the card number, expiration date, and CVV.
Review the payment details before confirming. Once you submit the payment, you will receive a confirmation number on screen and via email. Keep this confirmation number in case you need to reference the payment later.
Making a payment through the Target mobile app
The Target mobile app offers the same payment options as the website. Open the app, log in with your Target.com credentials, and navigate to your account. Select "Credit Card" or "Manage Your Card," then choose the payment option.
The payment process is identical to the website: enter your payment amount, select your payment method (bank account or card), and confirm. You will receive a confirmation number and an email receipt. The mobile app is often faster if you are paying on the go, since you do not have to navigate a full website.
Paying by phone or mail
If you prefer not to pay online, you can call the customer service number on the back of your Target credit card. A representative will walk you through the payment process over the phone. You will need your card number and the payment method information (bank account or card details) ready when you call.
You can also mail a check or money order to the address listed on your monthly statement. Write your account number on the check and mail it to the address provided. Mailed payments typically take 7 to 10 business days to post to your account, so plan ahead if your due date is approaching.
Setting up automatic payments
Target allows you to set up automatic monthly payments so you do not have to log in each time your bill is due. In your credit card account section, look for an option labeled "Automatic Payments" or "Recurring Payments." You can choose to pay your full balance, your minimum payment, or a fixed amount each month.
Select the date you want the payment to come out each month — this can be any date between the 1st and the 28th. Provide your bank account or card information, and confirm the setup. You will receive a confirmation email, and the payment will be processed automatically on your chosen date each month.
You can change or cancel automatic payments at any time by logging back into your account. If you need to pause a payment for one month, you can do that without canceling the entire setup.
When payments post and how to track them
Payments made through the Target website or app typically post to your account within one business day. Payments made by phone may take one to two business days. Mailed payments take 7 to 10 business days. The exact timing can vary depending on your bank and when during the day you submit the payment.
After you submit a payment, you can check its status by logging back into your account. Your payment will show as "pending" until it posts, at which point your balance will update. You can also call customer service to confirm that a payment has been received.
If a payment does not post within the expected timeframe, contact Target customer service with your confirmation number. They can investigate the payment and help resolve any issues.
What to do if you cannot log in
If you cannot log in to your Target.com account, first try resetting your password using the "Forgot Password" link on the login page. If you still cannot access your account after resetting your password, you may have an account security issue or a technical problem with the website.
Contact Target customer service by phone using the number on the back of your card. They can verify your identity and help you regain access to your account. You can also make a payment by phone while you work on restoring your online access.
Frequently Asked Questions
Can I pay my Target credit card bill without creating a Target.com account?
No, you need a Target.com account to pay online or through the app. However, you can pay by phone or mail without an online account. Call the number on the back of your card to pay over the phone, or mail a check to the address on your statement.
Is there a fee for paying my Target credit card online?
Target does not charge a fee for online payments made through their website or app. Payments from a bank account and payments from a card are both free. If you pay by phone, there is also no fee.
What is the latest time I can submit a payment before my due date?
Payments submitted online or through the app before midnight on your due date will typically post by the next business day. However, to be safe, submit your payment at least one business day before your due date. If you are paying by mail, send it at least 10 days early.
Can I set up automatic payments to a different bank account than the one I use for other bills?
Yes, you can use any bank account or card for automatic payments. During setup, provide the account or card number you want to use. You can change this information at any time by updating your automatic payment settings in your account.
What happens if I submit a payment but then realize I made a mistake with the amount?
If the payment is still pending, contact Target customer service when ready with your confirmation number. They may be able to cancel the payment before it posts. If the payment has already posted, you can submit a second payment to correct the error, or contact customer service to discuss your options.