Pay your Target RedCard bill through Target's website, the Target app, or by mail
You can pay your Target RedCard balance in three ways: online through your Target account, using the Target mobile app, or by sending a check or money order by mail. Online and app payments post within one business day. Mail payments take 7 to 10 business days to reach Target's processing center, so send them early if you have a due date approaching.
The fastest and most direct method is online payment through Target's website. You do not need to create a separate account — if you have a Target.com login, you can access your RedCard account from there. The app works the same way and is useful if you want to make a quick payment from your phone.
Key Takeaways
- Online and app payments post to your account within one business day, while mail payments take 7 to 10 business days.
- You can set up automatic monthly payments so your full balance or a fixed amount withdraws on a date you choose.
- If you pay by mail, address your check to Target Financial Services and include your RedCard account number on the check itself.
- Late fees explore if your payment arrives after the due date shown on your statement, so plan ahead for mail payments.
- You can view your current balance, due date, and payment history anytime through Target.com or the Target app.
Pay online through Target.com
Go to Target.com and sign in with your Target account username and password. Click on "Account" in the top right corner, then select "RedCard" from the menu. You will see your account summary, including your current balance and due date.
Click "Make a Payment" and enter the amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Choose your payment method — debit card, bank account, or another credit card — and confirm the transaction. Target will show you a confirmation number when ready, and the payment will post within one business day.
Pay using the Target app
Open the Target app and tap the account icon at the bottom right. Select "RedCard" and then "Make a Payment." The process is identical to the website: enter your payment amount, choose your payment method, and confirm. You will receive a confirmation number on your screen.
The app is especially useful if you want to check your balance or make a payment while you are shopping. You can also view your recent transactions and statement details from the same menu.
Set up automatic monthly payments
Automatic payments remove the risk of forgetting a due date. On Target.com or the app, go to your RedCard account settings and select "Autopay" or "Automatic Payments." You can choose to pay your full statement balance each month or a fixed amount of your choice.
Select the date each month when you want the payment to withdraw from your bank account or card. Target will process the payment automatically on that date. You can change or cancel automatic payments anytime through your account settings.
Pay by mail
Write a check or money order for the amount you owe. On the front of the check, write your RedCard account number in the memo line so Target can match the payment to your account. Mail it to:
Target Financial Services P.O. Box 34286 Philadelphia, PA 19101-4286
Mail payments take 7 to 10 business days to arrive and post to your account. If your due date is fewer than 10 days away, use online or app payment instead. Do not send cash by mail.
What to do if you miss a payment
If your payment does not arrive by the due date on your statement, Target will charge a late fee. The amount varies depending on your account terms. A missed payment also appears on your credit report and may increase your interest rate.
If you realize you will miss a due date, contact Target Financial Services at the phone number on the back of your card or on your statement. Explain your situation — in some cases, Target may waive a single late fee or work out a payment plan. The sooner you contact them, the more options you may have.
View your statement and payment history
Your RedCard statement is available online through Target.com or the app. You can view it anytime without waiting for a paper copy in the mail. The statement shows your balance, due date, minimum payment, interest rate, and all recent transactions.
You can also read or print your statement for your records. Payment history appears in your account, so you can see when each payment posted and what your balance was on any given date.
Frequently Asked Questions
Can I pay my RedCard with another credit card?
Yes. When you choose your payment method online or in the app, you can select a credit card, debit card, or bank account. Paying with another credit card may trigger a cash advance fee on that card, so check with your card issuer first.
What if I pay more than I owe?
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 Financial Services, though this takes several business days to process.
Is there a fee to pay my bill online?
No. Target does not charge a fee for online or app payments. Mail payments are also free, but they take longer to post.
Can I pay my RedCard at a Target store?
Target does not accept RedCard payments in stores. You must pay online, through the app, or by mail. Some Target locations have a customer service desk, but they cannot process RedCard payments there.
What happens if I set up autopay but do not have enough money in my account?
If your bank account or card does not have sufficient funds on the autopay date, the payment will fail. Target may charge a failed payment fee, and your account will show as past due. Contact Target Financial Services when ready to reschedule the payment or make a manual payment.