How to pay your Target Redcard bill
You can pay your Target Redcard through Target's website, the Target app, by phone, or by mail. The fastest way is online or through the app — both let you pay when ready and see your updated balance right away. If you prefer to call, Target's customer service can process a payment over the phone. Mail payments take longer to reach Target and post to your account, so use this method only if you have time before your due date.
Your payment due date appears on your monthly statement and in your online account. Paying by the due date keeps you from being charged a late fee. If you miss the due date, you'll owe a late fee on top of your balance, and the missed payment will show up on your credit report.
Key Takeaways
- Online and app payments post to your account the same day, while mail payments take 7 to 10 business days to arrive and process.
- Your payment due date is printed on your statement — paying by that date avoids a late fee and protects your credit report.
- You can set up automatic payments through your online account so the same amount comes out on the same day each month.
- If you can't pay the full balance, you can make a partial payment, though interest will continue to accrue on the remaining balance.
Paying online or through the Target app
Log into your Target account on the website or open the Target app and go to your Redcard section. You'll see your current balance, due date, and a button to make a payment. Enter the amount you want to pay and choose your payment method — you can pay from a checking or savings account, or use another debit or credit card. Review the details and confirm the payment.
Online and app payments usually post to your account the same business day. You'll get a confirmation number when ready, and you can check your updated balance in your account within a few hours. Keep the confirmation number in case you need to reference the payment later.
Paying by phone
Call Target's customer service number, which is on the back of your Redcard or on your statement. Have your card number and the amount you want to pay ready. A representative will walk you through the payment and take your banking information or another payment method over the phone.
Phone payments process the same day you call. Ask for a confirmation number before you hang up, and write it down. The representative can also answer questions about your balance, due date, or payment history while you're on the call.
Paying by mail
Write a check or money order payable to Target and include your Redcard number on the check. Mail it to the address shown on your statement — this address is different from a Target store location. Mail payments typically take 7 to 10 business days to arrive and another few days to post to your account, so send your payment well before your due date to avoid a late fee.
Keep a copy of the check or money order for your records. If you're worried about whether your payment arrived, you can check your account online after 10 business days to see if it posted.
Setting up automatic payments
You can set up automatic payments through your online account so the same amount comes out on the same day each month. Go to your account settings, find the automatic payment or autopay section, and choose the amount and date. You can set it to pay your full statement balance, a fixed amount, or the minimum payment due.
Automatic payments come from your checking or savings account on the date you choose. If you change your mind, you can turn off autopay anytime through your account. Make sure you have enough money in your account on the payment date, or the payment may fail and you could be charged a fee.
What happens if you miss a payment
If you don't pay by your due date, Target will charge you a late fee. The amount of the fee depends on your account terms, but it's usually between $25 and $40. A missed payment also gets reported to the credit bureaus and will show up on your credit report, which can lower your credit score.
If you realize you're going to miss a payment, contact Target's customer service as soon as possible. Explain your situation — some cardholders have been able to get a late fee waived if it's their first missed payment or if they have a good payment history. The sooner you pay after the due date, the less damage to your credit report.
Partial payments and payment plans
You don't have to pay your full balance at once. You can make a partial payment anytime through your online account or by phone. However, interest will continue to accrue on the amount you don't pay, so your balance will grow each month until you pay it off.
Target does not offer formal payment plans that let you split your balance into smaller installments without interest. If you're struggling to pay your balance, contact Target's customer service to discuss your options. They may be able to work with you on a temporary arrangement, though this is not may provide.
Frequently Asked Questions
How long does it take for a payment to show up in my account?
Online and app payments post the same business day. Phone payments also post the same day. Mail payments take 7 to 10 business days to arrive and a few more days to post. If you're close to your due date, use online, app, or phone payment to make sure it counts on time.
Can I pay my Redcard at a Target store?
No, you cannot pay your Redcard bill at a Target store location. You must pay online, through the app, by phone, or by mail. Store employees cannot process Redcard payments.
What if I pay more than I owe?
If you overpay, the extra amount becomes a credit on your account and will be applied to your next statement. You can also request a refund of the overpayment by contacting Target's customer service, though this may take a few weeks to process.
Do I have to pay interest if I carry a balance?
Yes. If you don't pay your full statement balance by the due date, interest starts accruing on the remaining balance at the rate shown in your account terms. The interest rate varies depending on your creditworthiness and current market rates.
What should I do if my payment failed?
Check your account online to see if the payment went through. If it failed, you'll usually see an error message explaining why — often because of insufficient funds or incorrect banking information. Try the payment again with the correct information, or use a different payment method.