The basics of paying your Target Redcard
You can pay your Target Redcard bill online through your Target account, by phone, by mail, or in person at a Target store. The fastest method is online through Target.com or the Target mobile app, where you can make a payment in minutes using a bank account or another card. Payments made online typically post within one business day.
Target processes payments seven days a week. If you pay by phone, mail, or in store, allow extra time for the payment to reach Target's system — usually three to five business days depending on the method. Setting up automatic payments from your bank account can help you avoid late fees and interest charges.
Key Takeaways
- Online payments through Target.com or the Target app are the fastest way to pay, posting within one business day.
- You can pay by phone at the number on the back of your card, by mail to the address on your statement, or at a Target customer service desk.
- Automatic payments from your bank account can be set up through your Target account to pay on a date you choose each month.
- Late payments trigger interest charges and can damage your credit score, so paying by the due date shown on your statement matters for your long-term finances.
Paying online through Target.com or the app
Log into your Target account on Target.com or open the Target mobile app and go to the account or wallet section. Look for the option to view and pay your Redcard bill. You will need to enter the amount you want to pay and choose your payment method — either a bank account (which takes one business day) or a debit or credit card (which may process faster).
Online payments are recorded when ready, though the money may take a day to actually leave your account. Target will send you a confirmation email with the payment details and expected posting date. If you need to pay before a specific due date, paying online gives you the most control over timing.
Paying by phone or mail
The phone number for Target Redcard payments is on the back of your card and on your monthly statement. A representative can take your payment over the phone using a bank account or debit card. Phone payments typically post within three to five business days, so call at least a week before your due date if you are behind on a payment.
To pay by mail, send a check or money order to the address listed on your statement. Write your Redcard account number on the check. Mail payments are the slowest method — allow seven to ten business days for delivery and processing. Only use mail if you cannot pay online or by phone.
Paying in person at Target
You can walk into any Target store and pay your Redcard bill at the customer service desk. Bring your card or account number and the amount you want to pay. In-store payments can be made with cash, check, debit card, or another credit card. The payment is recorded on the spot, though it may take a few business days to post to your account.
In-store payments are useful if you are already at Target or prefer to handle money in person, but they are not faster than online payments. If your due date is within a few days, paying online remains your safest option.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. In your Target account, go to the payment settings and select the option to set up automatic payments. You will choose a day each month when the payment should be taken from your bank account, and you will decide whether to pay the full statement balance or a fixed amount.
Many people set automatic payments to the full balance on the due date, which ensures they never carry interest. Others set it to a fixed amount if they are paying down debt over time. You can change or cancel automatic payments at any time through your account, and Target will send you a reminder email before each automatic payment is processed.
What happens if you miss a payment
If your payment does not arrive by the due date on your statement, Target will charge you a late fee — the amount varies but is typically $25 to $40 for the first late payment. More importantly, interest charges begin to accrue on your balance at the Redcard's regular interest rate, which is usually between 18% and 24% depending on your creditworthiness.
A single late payment can also be reported to credit bureaus and lower your credit score, which affects your ability to borrow money in the future and the interest rates you receive on mortgages, car loans, and other credit products. If you miss a payment, contact Target as soon as possible to bring your account current and discuss options for avoiding future late fees.
Minimum payments and paying down your balance
Your Target statement shows a minimum payment — usually 1% to 3% of your balance — and a due date. Paying only the minimum keeps your account in good standing, but it means you will pay far more in interest over time. A $1,000 balance at 20% interest will cost you hundreds of dollars in interest if you only make minimum payments.
To build long-term wealth, pay more than the minimum whenever you can. Even an extra $25 or $50 per month reduces the time you carry the balance and cuts the total interest you pay. If you are carrying a large balance, consider a plan to pay it off within 12 to 24 months rather than spreading it over years.
Frequently Asked Questions
Can I pay my Target Redcard with another credit card?
Yes, you can pay with another credit card online, by phone, or in store. However, doing this regularly is not a good long-term strategy because you are borrowing from one card to pay another, and the new card will charge you interest on that payment. Use another card only for emergencies.
What time of day do online payments post?
Online payments are recorded when ready when you submit them, but the money may take until the next business day to actually leave your bank account. Target does not specify an exact time of day. If your due date is tomorrow, paying online today is safer than waiting.
Is there a fee to pay my Redcard bill?
No, Target does not charge a fee for any payment method — online, phone, mail, or in store. You only pay interest if you carry a balance past the due date.
Can I pay more than one month's bill at once?
Yes, you can pay any amount toward your account at any time. Paying ahead reduces the interest you owe and can help you pay off the card faster. The payment will be applied to your oldest balance first.
What should I do if my payment was not received?
Check your Target account online to see if the payment posted. If you paid online or by phone, you should have a confirmation number or email. If the payment has not appeared within the expected timeframe, contact Target customer service with your confirmation details so they can investigate.