Where to log in to pay your Target Red Card

You log in to pay your Target Red Card through Synchrony Financial's customer portal, not through Target.com. Synchrony is the bank that issues the Target Red Card, and they handle all payments and account management. Go to mysynchrony.com to access your account.

When you arrive at mysynchrony.com, select "Log In" and enter the username and password you created when you first set up your online account. If you have not yet created an online account, you will need to register before you can pay online.

You can also pay by phone by calling the number on the back of your Target Red Card, or by mail using the payment coupon that comes with your monthly statement.

Key Takeaways

  • Target Red Card payments are managed through Synchrony Financial at mysynchrony.com, not through Target's website.
  • You must create an online account with Synchrony before you can pay online; you will need your card number and other identifying information to register.
  • Once logged in, you can make a one-time payment when ready or set up automatic monthly payments on a date you choose.
  • Payments made online typically post to your account within one business day, though the exact timing depends on when you submit the payment.

Creating your Synchrony online account for the first time

If you have never logged in to Synchrony before, you will need to register. Go to mysynchrony.com and select "Enroll Now" or "Register." You will be asked to provide your Target Red Card number, date of birth, and the last four digits of your Social Security number. Synchrony uses this information to verify your identity.

After you verify your identity, you will create a username and password. Write these down in a find place, or use a password manager to store them. You will use this username and password every time you log in to pay your bill.

Once your account is set up, you can log in when ready and make a payment or check your balance.

Making a one-time payment online

After you log in to mysynchrony.com, look for a button or link labeled "Make a Payment" or "Pay Now." You will see your current balance and the amount due. You can choose to pay the full balance, the minimum payment, or a custom amount.

Select your payment method. Most people pay from a checking or savings account by providing their bank routing number and account number. You can also pay with a debit card if Synchrony offers that option on your account. Enter the payment amount and the date you want the payment to be processed.

Review the details, then submit the payment. Synchrony will show you a confirmation number on the screen. Write this down or take a screenshot for your records.

Setting up automatic monthly payments

If you want to pay the same amount every month without logging in each time, you can set up automatic payments through your Synchrony account. Log in and look for "Automatic Payments," "Recurring Payments," or "Autopay" in the account settings or payment section.

Choose the amount you want to pay each month—this can be the minimum payment, a fixed dollar amount, or the full statement balance. Select the day of the month when you want the payment to come out of your bank account. Synchrony will process that payment automatically on that date each month until you cancel it.

You can change or cancel automatic payments at any time by logging back into your account and adjusting your payment settings.

How long it takes for your payment to post

Payments made online through mysynchrony.com typically post to your Target Red Card account within one business day. If you submit a payment on a Friday evening, it may not post until Monday. Payments submitted on weekends or holidays may take longer.

The exact timing also depends on your bank. Some banks process outgoing payments faster than others. If you are close to a due date and worried about late fees, call Synchrony at the number on your card to confirm when your payment will arrive.

What to do if you cannot log in

If you forget your password, go to mysynchrony.com and select "Forgot Password." Synchrony will send you a link to reset it. Check your email (including spam folders) for the reset link, which usually arrives within a few minutes.

If you forget your username, you can use your Target Red Card number and date of birth to look it up on the login page. If you still cannot access your account after trying these steps, call Synchrony at the number on the back of your card. A representative can verify your identity and help you regain access.

Frequently Asked Questions

Is there a fee to pay my Target Red Card online?

No. Synchrony does not charge a fee for online payments made through mysynchrony.com. You can pay as many times as you want without paying extra.

Can I pay my Target Red Card through the Target app or Target.com?

No. Target does not process Red Card payments on its website or app. You must go to mysynchrony.com or call the number on your card to pay. Some third-party payment services claim to pay bills for you, but using them is riskier than paying directly through Synchrony.

What if my payment was rejected?

Synchrony will tell you why the payment failed—usually because of insufficient funds, an incorrect bank account number, or a closed account. Log back in, check that your bank information is correct, and try again. If the problem continues, contact your bank to make sure there are no blocks on outgoing payments.

Can I see my payment history online?

Yes. Once you log in to mysynchrony.com, you can view all payments you have made, including the date, amount, and confirmation number. This history stays in your account for your records.