Where to pay your Target credit card bill
You can pay your Target credit card through Target's website, the Target mobile app, by phone, or by mail. The fastest route is the Target website or app — both let you pay when ready and see your balance update within hours. If you prefer to call, Target's customer service number is on the back of your card. Mailing a check takes 7 to 10 business days to reach the payment center, so use that method only if you cannot pay online or by phone.
Target's credit card is issued by Synchrony Bank, but you do not contact Synchrony directly to make a payment. All payments go through Target's payment system. If you have both a Target credit card and a Target Mastercard (the co-branded card), each has its own account and payment method, so you will need to pay them separately.
Key Takeaways
- Online and app payments post to your account the same day or next business day, while mailed checks take 7 to 10 days.
- You can set up automatic monthly payments through the Target website or app to avoid missing a due date.
- Payments made after 11:59 p.m. Eastern Time may not post until the next business day.
- If you pay by phone, have your card number and bank account information ready, and the call typically takes 5 to 10 minutes.
Paying online or through the Target app
Log into your Target account on the website or open the Target app, then navigate to the credit card section. You will see your current balance, due date, and minimum payment amount. Select "Make a Payment" and choose whether to pay from a bank account (ACH transfer) or debit card. Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between.
Online payments typically post within one business day. If you pay before 11:59 p.m. Eastern Time on a business day, the payment usually shows in your account by the next morning. Payments made after that time or on weekends may not post until the following business day. You will receive a confirmation number when ready after submitting the payment, so keep that for your records.
Setting up automatic payments
The Target website and app both allow you to schedule recurring monthly payments. This is useful if you want to pay the same amount every month without logging in each time. Go to your account settings, select "Automatic Payments," and choose the amount (minimum payment, full balance, or a fixed dollar amount) and the day of the month you want it to come out.
Automatic payments come from your bank account via ACH transfer. If you change your mind or need to adjust the amount, you can modify or cancel the automatic payment at any time through your Target account. If your payment fails because of insufficient funds or an expired bank account, Target will notify you and you will need to make a manual payment to avoid a late fee.
Paying by phone
Call the number on the back of your Target credit card to pay by phone. A representative will ask for your card number, the amount you want to pay, and your bank account or debit card information. The call typically takes 5 to 10 minutes. You will receive a confirmation number at the end of the call.
Phone payments are processed the same way as online payments and usually post within one business day. This method is slower than online payment but useful if you do not have internet access or prefer to speak with someone. Target does not charge a fee for phone payments.
Mailing a check or money order
If you prefer to mail a payment, write a check or money order to Target and include your account number on the check. The mailing address is on your monthly statement or you can find it on the Target website. Mail takes 7 to 10 business days to arrive, so send your payment well before your due date to avoid a late fee.
Include only the check and a copy of your statement — do not send your card itself. If you are paying multiple accounts, send separate checks for each one. Keep a copy of the check or money order number for your records in case you need to track the payment.
Understanding your due date and late fees
Your due date appears on your monthly statement and in your Target account. Payments must post by 11:59 p.m. Eastern Time on the due date to avoid a late fee. If you miss the due date, Target charges a late fee (the amount varies but is typically $25 to $40 for the first late payment). A late payment also appears on your credit report and can lower your credit score.
If you are close to your due date and paying online, use the website or app rather than mail — online payments post much faster. If you have already missed a due date, make a payment as soon as you can to stop additional late fees from accruing. Contact Target's customer service if you believe a late fee was applied in error.
What to do if your payment fails
If an online or automatic payment fails, Target will send you a notification (usually by email or text, depending on your account settings). Common reasons for failure include insufficient funds in your bank account, an expired debit card, or a closed bank account. You will have a grace period to make another payment, but if you do not pay within a few days, a late fee may explore.
If your automatic payment fails, you can try again when ready by making a manual payment online, or you can update your bank account information and reschedule the automatic payment for a later date in the month. If you are having ongoing issues with a particular payment method, try a different one — for example, switch from a bank account to a debit card, or vice versa.
Frequently Asked Questions
Can I pay my Target credit card with a gift card?
No, Target does not accept gift cards as payment for your credit card bill. You must pay with a bank account, debit card, or check. Gift cards can only be used to make purchases at Target stores or online.
What if I want to pay more than my balance?
You can pay more than your current balance, and the extra amount will create a credit on your account. That credit will be applied to your next statement. If you overpay significantly, you can request a refund by calling Target's customer service.
How do I know if my payment went through?
You will receive a confirmation number when ready after making an online or phone payment. You can also log into your Target account to see your updated balance and payment history. Payments typically show within one business day of being submitted.
Can I pay my Target credit card from another bank's website?
Some banks allow you to set up bill payments to external accounts, including credit cards. You would enter Target's payment address (found on your statement) and your account number. This method takes 7 to 10 business days, the same as mailing a check.
What happens if I only pay the minimum?
Paying the minimum keeps your account in good standing and avoids a late fee, but you will be charged interest on the remaining balance. The interest rate on Target credit cards varies but is typically 16% to 24% APR. Paying more than the minimum reduces the amount of interest you owe over time.