Logging into your Target Redcard account

You log into your Target Redcard account through Target's main website or mobile app, not through a separate Redcard portal. Go to Target.com, select "Sign In" in the top right corner, and enter your Target.com username and password. If you don't have a Target.com account yet, you'll need to create one first — this takes a few minutes and requires an email address and password of your choosing.

Once you're signed in to Target.com, look for "Account" or "My Account" in the top navigation menu. From there, select "Redcard" or "Payment Methods" to see your Redcard details, recent transactions, and payment options. The Target app works the same way: sign in with your Target credentials, then navigate to your account section to find your Redcard information.

If you've forgotten your Target.com password, select "Forgot password?" on the sign-in page. Target will send a reset link to the email address associated with your account. Check your spam folder if you don't see it within a few minutes.

Key Takeaways

  • You access your Redcard account by signing into Target.com or the Target app with your Target username and password, not through a separate Redcard website.
  • Once signed in, navigate to your Account section and select Redcard to view your card details, transaction history, and payment options.
  • You can make a payment to your Redcard balance from the same Account section, and payments typically post within one to two business days.
  • If you're having trouble signing in, reset your password through the Target website or contact Target's customer service by phone or through the app.

Making a payment on your Redcard

To pay your Redcard balance, sign into your Target account and go to the Redcard section. Look for a "Make a Payment" button or link — this is usually near your current balance. Target will show you the amount you owe and let you choose how much to pay: you can pay the full balance, the minimum payment, or any amount in between.

Select your payment method. Most people pay from a checking or savings account (this is called an ACH transfer), but Target also accepts payments from another debit card or credit card, though those may carry a small fee. Enter the account or card details if you haven't saved them before, then review the payment amount and confirm.

Payments made before 8 p.m. Eastern Time typically post the next business day. Payments made after 8 p.m. or on weekends post the following business day. Target will send you a confirmation email once the payment is processed. You can also check your payment status in the Redcard section of your account at any time.

Setting up automatic payments

If you want Target to take a payment from your bank account automatically each month, you can set this up in your Redcard account settings. Look for "Autopay" or "Automatic Payments" in the payment options section. You'll choose the date each month when you want the payment to come out (usually between the 1st and 28th) and the amount: full balance, minimum payment, or a fixed amount you decide.

Automatic payments reduce the chance you'll miss a due date, but make sure you have enough money in your bank account on the payment date. If a payment fails because of insufficient funds, Target may charge a fee and report it to your bank. You can change or cancel your automatic payment at any time through your account settings.

Troubleshooting sign-in problems

If you can't sign into your Target account, the most common reason is an incorrect password. Use the "Forgot password?" link on the sign-in page to reset it. Target will email you a link that works for 24 hours. If you don't receive the email, check your spam or junk folder, or try resetting again with a different email address if you have one on file.

If you've never created a Target.com account, you'll need to do that before you can access your Redcard. You can create an account on Target.com without making a purchase — just provide an email address and password. If you created your account years ago and haven't used it recently, your account may still be active, so try resetting your password first rather than creating a new one.

If you're still unable to sign in after resetting your password, or if you see an error message, contact Target's customer service. You can call the number on the back of your Redcard, use the chat feature in the Target app, or visit a Target store and ask a team member for help.

Understanding your Redcard statement

Your Redcard statement shows all the purchases you made during the billing period, any fees, your interest rate (if you're carrying a balance), and your due date. You can view your statement online in your Target account under "Redcard" — look for "View Statement" or "Billing History." Target also mails paper statements to the address on file, though you can opt out of paper statements in your account settings if you prefer to view them online only.

Your statement lists the date each purchase posted, the merchant (usually "Target" or a specific Target location), the amount, and your running balance. If you see a purchase you don't recognize, contact Target right away. The statement also shows your minimum payment due and your due date — this is the last day you can pay without being late.

Redcard payment options and timing

Target accepts payments through several methods, each with different timing. Payments from a checking or savings account (ACH) are free and post within one to two business days. Payments from a debit or credit card may have a fee (usually a few dollars) and post within one to two business days as well. In-store payments at Target customer service desks are processed when ready, though the payment may take a day to show in your online account.

If you're close to your due date and worried a payment won't post in time, make the payment as soon as possible or pay in person at a Target store. A payment is considered on time if it posts by 11:59 p.m. Eastern Time on your due date. If your payment posts after that time, it may be reported as late, which can affect your credit score and trigger a late fee.

Frequently Asked Questions

Can I pay my Redcard with another credit card?

Yes, Target accepts payments from another credit card or debit card, but there is usually a fee for this method — typically a few dollars depending on the card type. Paying from a checking or savings account is free. If you're paying a large balance, the fee might add up, so consider using a bank transfer instead.

What if I forget my Target password and don't have access to my email?

Contact Target's customer service by phone (the number is on the back of your Redcard) or visit a Target store in person. A representative can help you regain access to your account or process a payment over the phone without signing in online.

How long does it take for a payment to show up in my account?

Most payments post within one to two business days. Payments made before 8 p.m. Eastern Time on a weekday usually post the next business day. Payments made after 8 p.m. or on weekends post the following business day. In-store payments at Target customer service desks show up when ready in person but may take a day to appear in your online account.

Can I change my automatic payment date or amount?

Yes, you can change or cancel automatic payments at any time through your Redcard account settings on Target.com or the Target app. Changes typically take effect within one to two business days. If you want to change the payment before the next scheduled date, make sure to update it soon enough that the change processes before the automatic payment is due to come out.

What happens if my automatic payment fails?

If your bank account doesn't have enough money when an automatic payment is scheduled, the payment will fail. Target may charge a fee and may attempt to retry the payment. Check your account balance before your automatic payment date to make sure there are enough funds. If a payment fails, you can make a manual payment right away to avoid a late fee.