Target offers three main ways to pay your bill online: through your Target.com account, the Target mobile app, or Target's dedicated payment portal

If you have a Target Circle Card or Target Mastercard, you can make a payment without logging into a credit card company's website. Target handles the payment processing directly. The fastest route is usually the Target mobile app if you already have it installed — you can pay in under a minute. If you prefer a computer, Target.com works the same way. Both options let you pay your full balance, a minimum payment, or any amount in between.

You will need your card number or account number, the amount you want to pay, and a payment method (a bank account for electronic transfer, or a debit card). Payments typically post within one to two business days, though Target states they may take up to five business days depending on your bank.

Key Takeaways

  • You can pay a Target credit card through Target.com, the Target mobile app, or by calling Target's customer service line — no need to use a separate credit card company website.
  • Payments made online usually post within one to two business days, but can take up to five depending on your bank's processing speed.
  • You can pay your full balance, your minimum payment, or any amount between the two.
  • Setting up automatic payments through your Target account prevents late payments and takes less than five minutes to configure.

Paying through Target.com on a computer

Log into your Target.com account using your email address and password. If you do not have a Target.com account yet, you will need to create one — this takes about two minutes and requires only an email address and a password.

Once logged in, look for "Account" or "My Account" in the top right corner of the page. Select "Manage Credit Card" or "Credit Card Account" from the menu. You should see your current balance, minimum payment due, and the due date. Click the button labeled "Make a Payment" or "Pay Now."

Enter the amount you want to pay. Target will ask you to confirm your payment method — either a bank account (which requires your routing number and account number) or a debit card (which requires the card number, expiration date, and CVV). Review the details, then click "Confirm Payment." You will receive a confirmation number on screen and by email.

Paying through the Target mobile app

Open the Target app and tap the menu icon (three horizontal lines) at the bottom right. Select "Account" and then "Credit Card" or "Manage Card." You will see the same account information as on the website — your balance, minimum payment, and due date.

Tap "Make a Payment" or "Pay Now." Enter your payment amount and select your payment method. The app will ask you to confirm your identity — this might be a PIN, a fingerprint, or a Face ID scan, depending on your phone settings. After confirmation, review your payment details and tap "Confirm." You will see a confirmation number when ready.

Paying by phone or mail if you prefer not to use online methods

You can call Target's customer service line at 1-800-424-6100 to make a payment over the phone. Have your card number and payment method ready. A representative will walk you through the process and provide a confirmation number.

You can also mail a check or money order to the address printed on your monthly statement. Write your account number on the check. Mailed payments take longer to post — typically seven to ten business days — so mail payments only if you have time before your due date.

Setting up automatic payments to avoid missing a due date

Both Target.com and the Target app let you schedule automatic payments. This means Target will withdraw money from your bank account on a date you choose each month, without you having to log in and pay manually.

On Target.com, go to "Account," then "Credit Card," then look for "Automatic Payments" or "Recurring Payments." Select the amount (full balance, minimum payment, or a fixed amount), the date each month you want the payment to occur, and your bank account details. Confirm your setup.

In the app, the same option appears under "Account" > "Credit Card" > "Automatic Payments." You can change or cancel automatic payments at any time by logging back in and editing your settings. If you cancel, you will need to make manual payments again.

What to do if your payment does not post or you see an error

If you made a payment and it does not appear in your account after five business days, log back into Target.com or the app and check your payment history. You should see a record of every payment you have made, including the date submitted and the date posted. If the payment shows as submitted but not yet posted, wait a few more days — your bank may be processing it slowly.

If the payment shows as submitted but you receive a notice that it failed, the most common reason is insufficient funds in your bank account or an incorrect routing number. Log back in, select "Make a Payment" again, and double-check your bank details. If you entered them incorrectly the first time, Target will not automatically retry — you will need to submit a new payment.

If you cannot find a record of your payment at all, call Target customer service at 1-800-424-6100. Have your confirmation number ready if you received one. A representative can look up the payment in Target's system and tell you whether it was received.

Late payments and what happens if you miss a due date

If your payment does not post by the due date shown on your statement, Target will report the account as late to credit bureaus. A late payment can lower your credit score and may result in a late fee added to your balance. The amount of the late fee depends on your card agreement — check your most recent statement or your Target.com account for the specific fee.

If you realize you will miss a due date, call Target customer service before the date arrives. They cannot waive a late fee that has already been applied, but they may be able to discuss your options if you are having trouble making payments. Setting up automatic payments prevents this problem entirely.

Frequently Asked Questions

Can I pay my Target credit card with a credit card instead of a bank account?

No. Target only accepts bank account transfers or debit cards as payment methods. Paying a credit card with another credit card typically costs extra fees and is not recommended by most financial institutions.

Is there a fee to pay my Target credit card online?

No. Target does not charge a fee for online payments made through their website, app, or phone line. Payments are free whether you pay your full balance or a partial amount.

How long does it take for a payment to show up after I submit it?

Most payments post within one to two business days. However, Target states that payments may take up to five business days depending on your bank's processing time. Payments submitted on weekends or holidays may take longer to process.

What if I want to pay more than my balance?

You can only pay up to your current balance. If you try to enter an amount higher than what you owe, the system will reject it and ask you to enter a lower amount. Once your balance is paid in full, you cannot make additional payments.

Can I set up automatic payments for different amounts each month?

No. Automatic payments must be set to the same amount each month — either your full balance, your minimum payment, or a fixed dollar amount you choose. If you want to pay different amounts, you will need to make manual payments instead.