Logging into your Target Red Card account online
To access your Target Red Card account and make a payment, go to target.com and select "Account" in the top right corner. From there, click "Sign in" and enter your Target.com username and password — the same login you use to shop on Target's website. If you do not have a Target.com account yet, you will need to create one before you can manage your Red Card.
Once you are signed in, look for "Manage your Red Card" or a similar option in your account menu. This takes you to the Red Card management section, where you can view your balance, recent transactions, and payment options. If you have trouble finding this section, Target's website search bar can point you to the right page.
If you forget your Target.com password, select "Forgot password?" on the sign-in page. Target will send a reset link to the email address on file. Check your spam folder if you do not see the email within a few minutes.
Key Takeaways
- You log into your Red Card account using your Target.com username and password, not a separate Red Card login.
- Payments can be made online through your Target account, by phone, or by mail, depending on which method works best for your situation.
- Online payments typically post within one business day, while mailed payments take seven to ten business days to reach Target.
- If you do not have a Target.com account, you must create one before you can view or pay your Red Card balance.
Making a payment through your online account
After you log in and reach your Red Card management page, look for a "Make a Payment" button or link. Click it to enter the amount you want to pay. You can pay your full balance, the minimum payment due, or any amount in between.
Target will ask you to choose a payment method: a bank account (using routing and account numbers) or a debit card. If you choose a bank account, the payment is usually free. Debit card payments may carry a fee depending on your bank — Target does not charge a fee, but your bank might. Enter the payment details and confirm the amount before submitting.
After you submit, you will see a confirmation number on screen. Write this down or take a screenshot. The payment typically posts to your Red Card account within one business day, though it may take longer if you pay on a weekend or holiday.
Paying by phone or mail if you cannot use the website
If you prefer not to pay online, you can call Target's Red Card customer service at the number on the back of your card. A representative can take your payment over the phone using a bank account or debit card. This method works the same way as online payment and posts within one business day.
You can also mail a check or money order to the address printed on your Red Card statement. Write your Red Card number on the check and mail it to the address listed under "Payment Address" on your bill. Mailed payments take seven to ten business days to arrive and post, so send your payment early if your due date is coming up soon.
What to do if you cannot log in
If you enter your Target.com password and see an error message, first check that you are using the correct email address or username. Passwords are case-sensitive, so make sure Caps Lock is off. If you still cannot log in after trying again, use the "Forgot password?" link to reset your password.
If you have never created a Target.com account, you cannot log in to manage your Red Card online. You will need to create an account first by going to target.com and selecting "Create account." You can use any email address, and the account is free. Once your account is set up, you can link your Red Card to it and make payments.
If you have created an account but still cannot see your Red Card in your account menu, contact Target's Red Card customer service. They can confirm that your Red Card is linked to your account or help you link it if it is not.
Understanding your Red Card statement and due dates
Your Red Card statement shows your current balance, minimum payment due, and the due date for that payment. The due date is usually 25 days after your statement closes. If you pay only the minimum, you will be charged interest on the remaining balance at the rate shown on your statement.
Paying your full balance by the due date means you will not owe interest. If you pay after the due date, Target may charge a late fee in addition to interest. Checking your account online regularly helps you stay on top of your balance and avoid missed payments.
Setting up automatic payments
Some Red Card accounts allow you to set up automatic payments through your Target account. This means a payment is taken from your bank account on a date you choose each month. Automatic payments reduce the chance of missing a due date and can be changed or stopped at any time through your account settings.
To set up automatic payments, log into your Red Card account and look for an "Automatic Payments" or "Recurring Payments" option. You will choose the amount (full balance, minimum payment, or a fixed amount), the payment method, and the date each month. Confirm the details before saving.
Frequently Asked Questions
Do I need a separate password for my Red Card account?
No. Your Red Card account uses your Target.com login. If you do not have a Target.com account, you must create one first. Once you are signed in to Target.com, you can access your Red Card from your account menu.
How long does it take for an online payment to show up?
Online payments typically post within one business day. If you pay on a Friday evening or weekend, the payment may not show until Monday or Tuesday. Check your account a day after you submit to confirm the payment went through.
Can I pay my Red Card with a credit card?
No. Target only accepts payments from a bank account or debit card. Paying with a credit card is not an option through their payment system.
What happens if I miss my payment due date?
If you pay after the due date, Target charges a late fee and interest on your balance. The late fee amount depends on your account terms. Paying as soon as you realize you are late stops additional fees from building up.
Can I change my payment due date?
Contact Target's Red Card customer service to request a due date change. They can move your due date to a different day of the month if you have a reason for the change. This is not always available on all accounts, so ask what options are available for yours.