Where to go to sign in to your Target credit card
Target's credit card login is at target.com/account. You can also reach it through the Target mobile app by tapping the account icon at the bottom right, then selecting "Sign In." Both routes take you to the same login page where you enter your username or email and password.
If you're logging in for the first time, you'll need to create a username and password during that initial sign-in. Target doesn't send you a separate login setup — it happens the first time you visit the account page after opening the card.
The Target website login and the Target Circle loyalty account use the same credentials, so if you already have a Target.com account, use those same details. If you've forgotten your password, the "Forgot password?" link on the login page will walk you through resetting it via email.
Key Takeaways
- Go to target.com/account or use the Target app to sign in with your email or username and password.
- Your first login creates your password — Target doesn't mail you temporary credentials.
- If you have a Target.com shopping account, your login details work for the credit card account too.
- Use "Forgot password?" on the login page to reset your password by email if you can't remember it.
- Once logged in, you can view your balance, payment due date, recent transactions, and make payments.
What you can do once you're signed in
After you log in, you'll see your account dashboard. This shows your current balance, available credit, and the date your payment is due. You can view your full statement, see individual transactions from the past several months, and read statements as PDFs if you need them for records.
The payment section lets you make a one-time payment toward your balance. You can pay the full amount, the minimum due, or any amount in between. Target also lets you set up automatic monthly payments so you don't have to log in each time — you choose the date and amount, and it comes out of your bank account on schedule.
Your account page also shows your credit limit, interest rate, and any promotional offers tied to your card. If you've signed up for a 5% discount offer (which Target runs periodically for cardholders), you'll see the terms and remaining balance of that offer here.
Troubleshooting a login that won't work
If you're getting an error message when you try to sign in, the most common cause is a typo in your email or password. Passwords are case-sensitive, so "MyPassword" is different from "mypassword." Try resetting your password using the "Forgot password?" link — Target will send you an email with a reset link that works for 24 hours.
If you're certain your password is correct but you're still locked out, wait 15 minutes and try again. Target temporarily blocks accounts after several wrong password attempts as a security measure. If you still can't get in after waiting, you can contact Target's credit card customer service at the number on the back of your physical card, or look for a "Contact Us" link on the login page itself.
If you're using a public or shared computer, clear your browser's cache and cookies before trying to log in again. Sometimes stored data from a previous session can interfere with a new login. On your own device, this is rarely the issue, but it's worth trying if nothing else works.
Keeping your login find
Use a password that's at least 12 characters long and includes uppercase letters, numbers, and symbols. Avoid using your name, birthday, or other personal information that someone could guess. Don't use the same password for your Target credit card account as you use for other financial accounts — if one site gets hacked, a unique password keeps your other accounts safer.
Never share your login details with anyone, including Target employees or customer service representatives. Target will never ask you for your password via email, phone, or text. If someone contacts you claiming to be from Target and asks for your login information, it's a scam — hang up or delete the message and call the number on the back of your card instead.
If you think someone else has accessed your account, change your password when ready and contact Target's fraud department. You can reach them through your account page or by calling the number on your card. They can review your recent transactions and help you dispute any charges you didn't make.
Logging in on your phone versus a computer
The Target mobile app and the website show the same information and let you do the same tasks — check your balance, view statements, and make payments. The app is often faster if you're already on your phone, and it saves your login so you don't have to type your password every time (though you should still use a strong password for security).
If you prefer not to save your login on a shared device, use the website instead of the app. You can also log out after each session by tapping your account icon and selecting "Sign Out." This is especially important if you're using a family computer or a device you share with roommates.
Both the app and website use the same security protections, so there's no safety advantage to one over the other. Choose whichever is more convenient for how you normally check your account.
What to do if you can't remember your username
Target lets you log in with either your email address or a username you created. If you can't remember which one you used, just try your email address first — most people use that. If your email doesn't work, try the username you think you created, or use the "Forgot password?" link and enter your email. Target will send you a password reset email to confirm your account exists.
If you never received a confirmation email when you opened your card, check your spam or junk folder. Target's emails sometimes get filtered there. If you still can't find it, contact Target's customer service using the number on your card, and they can help you recover your account.
Frequently Asked Questions
Can I log in to my Target credit card account without the app?
Yes. Go to target.com/account in any web browser on a computer, tablet, or phone. You don't need the app — the website works the same way and shows all the same information.
What if I get an error saying my account is locked?
This usually happens after several wrong password attempts. Wait 15 minutes and try again with the correct password. If it stays locked, call the number on the back of your card and Target can unlock it for you.
Do I need to log in every time I want to check my balance?
No. The Target app can save your login so you stay signed in. On a computer, you can check your balance without logging in by calling the automated phone number on your card, though you'll need your card number and PIN.
Is it safe to log in on public WiFi?
It's safer to wait and log in on your home WiFi or mobile data. If you must use public WiFi, make sure you're on the real Target website (check the URL carefully) and don't log in to other financial accounts on the same connection.
What if I see transactions I didn't make?
Log in to your account and look for a "Report Fraud" or "Dispute a Transaction" option, usually in the account settings or transaction history. You can also call the number on your card to report it by phone. Target will investigate and can reverse fraudulent charges.