Where to pay your Target credit card bill online
You can pay your Target credit card through two main routes: the Target website or the Target mobile app. Both let you log in with your Target.com account and make a payment in minutes without leaving home.
The Target website payment page is at target.com/account/payments. The mobile app has a payments section under your account menu. Either way, you'll need your Target credit card number or the last four digits, and you can pay from a checking or savings account.
If you prefer not to use Target's website or app, you can also call the customer service number on the back of your Target credit card. A representative can process your payment over the phone using your bank account details.
Key Takeaways
- Target's website and mobile app both let you pay your credit card bill when ready using a bank account, with no fee charged by Target.
- You can set up automatic monthly payments so the same amount withdraws on the same day each month, reducing the chance you'll miss a due date.
- Payments made before 11:59 p.m. Central Time typically post the same day, but allow one business day if you're paying from a different bank.
- If you pay by phone, have your Target credit card and checking or savings account information ready, and the payment posts the same day.
Setting up automatic payments to avoid late fees
Automatic payments are the simplest way to stay on top of your Target credit card bill. When you set one up, the same amount withdraws from your bank account on the same date each month — usually your due date or a few days before.
To create an automatic payment, log into target.com/account/payments, select "Make a Payment," and choose "Set Up Autopay." You'll pick the amount (your full balance, minimum payment, or a fixed dollar amount), the withdrawal date, and the bank account to draw from. Once it's active, you can change or cancel it anytime from the same page.
Automatic payments don't cost anything and they remove the risk of forgetting a due date. If your bill amount changes month to month, you can set it to pay your full balance automatically, so you're never carrying a balance forward.
How long it takes for your payment to post
Payments made through the Target website or app before 11:59 p.m. Central Time usually post to your account the same day. If you pay after that time or on a weekend, the payment posts the next business day.
If you're paying from a bank account at a different financial institution, allow one business day for the transfer to complete. This means a payment you make on Monday might not show up until Tuesday or Wednesday, depending on your bank's processing speed.
Payments made by phone post the same day you call, as long as you call before the cutoff time listed on your card's back. If you're close to your due date and worried about timing, calling is the safest option because you get confirmation when ready.
What information you'll need to make a payment
To pay online, you need your Target.com login credentials and either your full Target credit card number or the last four digits. You'll also need the bank account you want to pay from — checking or savings accounts both work.
When you enter your bank account, have your routing number and account number ready. These appear on the bottom left of your checks, or you can call your bank to ask. Target's website will ask you to confirm both numbers before processing the payment.
If you're paying by phone, have your Target credit card and your bank account information in front of you. The representative will walk you through the rest.
Paying more than the minimum to reduce interest
Your Target credit card statement shows a minimum payment — usually 1 to 3 percent of what you owe — but paying only the minimum means you'll carry a balance and pay interest charges month after month.
When you make a payment online or by phone, you can enter any amount you want, not just the minimum. Paying your full statement balance each month means no interest charges at all. If you can't pay the full balance, paying more than the minimum still cuts the interest you'll owe and gets you out of debt faster.
The Target website shows your current balance, minimum payment, and interest rate in one place, so you can see exactly how much interest you're paying if you only pay the minimum. Use that information to decide how much extra you can afford to pay each month.
What to do if your payment doesn't go through
If you see an error message when you try to pay online, the most common reasons are a typo in your bank account number, insufficient funds in your account, or a temporary problem with Target's payment system.
First, check that your bank account has enough money to cover the payment. If it does, try again in a few minutes — sometimes the system is temporarily down. If you get the same error twice, call the number on the back of your Target credit card and pay by phone instead. A representative can tell you what went wrong and process the payment when ready.
If a payment you made doesn't show up within two business days, call Target's customer service line. Have your confirmation number ready if you received one. They can look up the payment and confirm whether it posted or if there was a problem.
Paying from outside the United States
If you're traveling or living outside the U.S., you can still pay your Target credit card online using the website or app, as long as you have internet access and can log into your Target.com account. The payment posts the same way it would from inside the country.
Paying by phone from outside the U.S. may incur international calling charges depending on your phone plan, so the website or app is usually cheaper. If you use a foreign bank account to pay, allow extra time for the transfer — international transfers can take three to five business days instead of one.
If you're having trouble logging into your Target.com account from abroad, Target's website may be blocking your location for security reasons. Call the customer service number on your card to verify your identity and make a payment by phone.
Frequently Asked Questions
Can I pay my Target credit card with a credit card instead of a bank account?
No. Target's payment system only accepts payments from checking or savings accounts. Paying a credit card with another credit card typically counts as a cash advance and triggers high fees and interest rates when ready, so most card issuers block it anyway.
What happens if I pay after my due date?
A payment made after your due date is considered late. Late payments can trigger a late fee (usually $25 to $40) and may be reported to credit bureaus, which can lower your credit score. Pay as soon as you realize you're behind — even a late payment is better than no payment.
Can I schedule a payment for a future date?
The Target website and app don't have a "schedule for later" option for one-time payments, but automatic payments let you pick the date each month. If you need to pay on a specific future date, call customer service and ask if they can schedule it for you.
Is there a fee to pay online?
No. Target does not charge a fee for paying your credit card online through their website, app, or by phone. Your bank might charge a fee if you use a service like bill pay, but Target itself charges nothing.
What if I overpay my credit card by accident?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use that credit toward your next month's purchases, or you can call Target and ask them to refund the overpayment to your bank account.