How to Pay Your Target Credit Card
You can pay your Target Credit Card through Target's website, the Target mobile app, by phone, or by mail. The fastest way is online or through the app — both let you make a payment in minutes without waiting on hold. You'll need your card number and the amount you want to pay, and the payment posts to your account right away.
Target Credit Cards are issued by Synchrony Bank, so you're actually paying Synchrony, not Target directly. This matters because your bill statement and payment portal are managed through Synchrony's system, even though you got the card from Target.
Key Takeaways
- Online and mobile app payments post when ready, while mail payments take five to seven business days to reach Synchrony.
- You can set up automatic payments so your bill is paid on the same day each month without you having to remember.
- Paying at least the minimum amount by the due date keeps your account in good standing and avoids late fees.
- If you pay by phone, have your card number and checking account information ready, and expect to speak with a representative.
Paying Online or Through the Target App
Log into your Target account on Target.com or open the Target app, then go to the "Account" or "Wallet" section. Look for "Credit Card" or "Manage My Card" — the exact wording varies depending on which platform you're using. You'll see your current balance, due date, and a button to make a payment.
Click "Make a Payment" and enter the amount you want to pay. You can pay the full balance, the minimum amount, or any amount in between. Choose your payment method (usually a checking or savings account), review the details, and confirm. The payment posts when ready, though it may take one to two business days to show on your statement.
Setting Up Automatic Payments
Automatic payments save you from having to remember your due date each month. In the same payment section where you make a one-time payment, look for "Automatic Payments" or "Recurring Payments." You'll choose the amount (full balance, minimum, or a fixed dollar amount), the day of the month you want it to come out, and your bank account.
Once it's set up, that amount will be withdrawn automatically on your chosen date every month. You can change or cancel automatic payments anytime through the same section. This is especially useful if you want to pay the full balance each month to avoid interest charges.
Paying by Phone
Call Synchrony's customer service number on the back of your Target Credit Card. A representative will ask for your card number, the amount you want to pay, and your checking or savings account information. They'll confirm the payment details and process it over the phone.
Phone payments post when ready, just like online payments. This method takes longer than using the website or app because you have to wait on hold and speak with someone, but it's useful if you don't have internet access or prefer talking to a person.
Paying by Mail
You can mail a check or money order to the address listed on your bill statement. Write your account number on the check and include a payment stub if your statement came with one. Mail payments typically take five to seven business days to arrive and be processed, so send your payment well before your due date to avoid a late fee.
The mailing address for payments is on your monthly statement. Do not send payment to Target's store address — it will be delayed or lost. Always use the address printed on your bill.
Understanding Your Due Date and Minimum Payment
Your due date is printed on your monthly statement and is usually the same day each month. If you pay at least the minimum amount by that date, your account stays in good standing. Paying less than the minimum or paying after the due date triggers a late fee and may hurt your credit score.
The minimum payment is the smallest amount you can pay to avoid a late fee — usually around 1 to 3 percent of your balance. However, paying only the minimum means you'll pay interest on the remaining balance. Paying the full balance each month avoids interest entirely.
What Happens If You Miss a Payment
If your payment doesn't arrive by the due date, Synchrony charges a late fee (the amount varies but is typically $25 to $40 for the first late payment). Your interest rate may also increase, and the missed payment will appear on your credit report after 30 days.
If you realize you'll miss your due date, contact Synchrony right away. Some customers can arrange a short extension or a modified payment plan, though this isn't may provide. It's better to call before the due date passes than to wait and deal with the fee afterward.
Frequently Asked Questions
Can I pay my Target Credit Card at a Target store?
No, you cannot pay your bill at the register or customer service desk in a Target store. You must pay through the website, app, phone, or mail. Target stores do not process credit card payments.
Is there a fee to pay my Target Credit Card?
No, there is no fee to make a payment, regardless of which method you use. Online, app, phone, and mail payments are all free.
How long does it take for a payment to show up on my account?
Online and phone payments post when ready. Mail payments take five to seven business days. All payments should appear on your statement within one to two billing cycles.
What if I want to pay more than my balance?
You can pay more than your current balance, and the extra amount becomes a credit on your account. You can use that credit toward future purchases or request a refund check from Synchrony.
Can I change my automatic payment amount or date?
Yes, you can change or cancel automatic payments anytime through your Target account or by calling Synchrony. Log into your account, find the automatic payment settings, and update the amount or date as needed.