Pay your Target credit card bill through the Target website or the Redcard app
You can make a payment to your Target Mastercard or Target credit card online in two ways: through Target.com or through the Target mobile app. Both routes take you to the same payment portal, and both let you pay when ready or schedule a payment for a future date. You will need your card number or account number, and you can pay from a bank account or with another card.
Payments made online typically post to your account within one business day. If you are close to your due date, paying through the online portal is faster than mailing a check or paying by phone.
Key Takeaways
- Log into your Target account on Target.com or the Target app, then select "Manage Credit Card" to reach the payment screen.
- You can pay your full balance, a minimum payment, or any amount in between, and you can choose to pay now or on a specific future date.
- Payments post within one business day when you pay from a bank account; credit or debit card payments may take longer.
- If you do not have a Target account, you can still make a one-time payment by entering your card number and other details on the payment page.
- Late fees and interest charges depend on your due date, so check your statement or account to confirm when payment is due.
Steps to pay through Target.com
Start by going to Target.com and signing into your account with your email address and password. If you do not have a Target account, you can create one for free, or you can skip this step and pay as a guest (see the guest payment section below).
Once you are signed in, look for "Account" or "My Account" in the top right corner of the page. Select it, then look for a link that says "Manage Credit Card," "Credit Card Account," or "Redcard." Click that link to open your account summary.
On the account page, you will see your current balance, minimum payment due, and due date. Look for a button labeled "Make a Payment" or "Pay Now." Click it to open the payment form. Enter the amount you want to pay (you can pay the full balance, the minimum, or any amount between), choose whether to pay now or schedule the payment for a future date, and select your payment method (bank account or card). Review the details and confirm the payment.
Steps to pay through the Target mobile app
Open the Target app and sign in with your email and password. Tap the account icon (usually in the bottom right corner), then select "Account" or "My Account."
Look for "Credit Card" or "Redcard" and tap it. You will see your account summary with your balance and due date. Tap "Make a Payment" or "Pay Now." Enter the amount, choose your payment date (now or a future date), and select your payment method. Confirm the payment.
The app works the same way as the website, and payments post on the same timeline.
How to pay as a guest without a Target account
If you do not want to create a Target account, you can still pay your bill online. Go to Target.com and look for a link that says "Pay Your Credit Card Bill" or "Make a Payment" — this is usually near the bottom of the page or in the footer under "Credit Card Services" or "Redcard."
Click the guest payment link. You will be asked to enter your Target Mastercard or Target credit card number, your name, and your billing address. Enter the amount you want to pay and choose your payment method. You will not be able to schedule a future payment as a guest; guest payments are processed when ready.
Payment methods and how long they take
Target accepts payments from a bank account (checking or savings) or from another credit or debit card. Payments from a bank account usually post within one business day. Payments made with a credit or debit card may take two to three business days to appear on your account.
Do not count on a card payment posting before your due date if you are paying close to the important date. If you are cutting it close, use a bank account transfer instead, or call Target's customer service line (the number is on the back of your card) to confirm the payment will post in time.
Target does not charge a fee for online payments made from a bank account. If you pay with a credit or debit card, Target may charge a convenience fee; the amount will be shown before you confirm the payment.
Scheduling a payment for a future date
When you are on the payment form, you will see an option to "Pay Now" or "Schedule Payment." If you choose to schedule, you will be asked to pick a date. Select the date you want the payment to be processed.
Scheduled payments are processed on the date you choose, and they post within one business day after that. You can schedule a payment up to several weeks in advance. If you need to cancel or change a scheduled payment, log back into your account before the payment date and edit or delete it.
What to do if your payment does not post
If you made a payment and it has been more than one business day and you do not see it on your account, log back into your Target account and check the payment history or transaction details. You should see a record of the payment with a confirmation number.
If the payment shows as processed but has not posted to your balance, wait one more business day. If it still has not appeared after two business days, or if you do not see a record of the payment at all, call the customer service number on the back of your card. Have your confirmation number ready.
Frequently Asked Questions
Can I set up automatic monthly payments?
Target does not offer automatic recurring payments through the online portal. You can schedule individual payments in advance, but you will need to set up each one separately. Some banks offer bill pay services that let you schedule recurring payments to Target; check with your bank about that option.
What if I pay more than I owe?
If you pay more than your current balance, the extra amount becomes a credit on your account. You can use that credit toward future purchases or request a refund by calling customer service.
Is it safe to pay my Target card online?
Target uses encryption and security measures to protect your payment information. Only enter your payment details on Target.com or the official Target app, not on a link from an email or text message, even if it looks like it came from Target.
Can I pay my Target card bill through my bank's bill pay service?
Yes. You can set up Target as a payee in your bank's bill pay system and send payments that way. The payment may take longer to post than paying directly through Target, so plan ahead if your due date is soon.
What happens if I miss my due date?
If your payment is not received by the due date shown on your statement, Target will charge a late fee and may report the late payment to credit bureaus. The amount of the late fee depends on your card terms. If you miss a payment, pay as soon as you can to limit additional fees.