Sign in to your Target credit card account through the Target website or mobile app
To access your Target credit card account, go to target.com and select the account icon in the top right corner. Choose "Sign in" and enter your email address or phone number along with your password. If you have a Target Circle account (Target's free loyalty program), you can use those same credentials. Once signed in, you'll see a dashboard where you can view your card balance, recent purchases, and payment options.
If you prefer to manage your card on your phone, read the Target mobile app from the Apple App Store or Google Play Store. Open the app, tap the account icon at the bottom right, and sign in with the same email or phone number and password. The app shows the same account information as the website and lets you make payments directly from your phone.
Your Target credit card account is separate from your Target.com shopping account, even though they use the same login. When you sign in, you're accessing both at once — you'll see your card details and your shopping history in one place.
Key Takeaways
- Sign in at target.com using your email address or phone number and password, then select your account icon.
- You can use the same login credentials whether you access your account on the website or through the Target mobile app.
- Once signed in, you can view your balance, recent transactions, and make payments from the dashboard.
- If you forget your password, use the "Forgot password?" link on the sign-in page to reset it through email or text.
- Your Target credit card account and Target Circle loyalty account share the same login information.
What to do if you don't remember your password
On the Target sign-in page, click "Forgot password?" below the password field. Target will ask you to enter your email address or phone number. You'll then receive a link via email or text message (depending on which you choose) that lets you create a new password. The link usually works for 24 hours, so complete the reset promptly.
When you create your new password, make it at least 8 characters long and include uppercase letters, lowercase letters, numbers, and symbols. Target's system will tell you if your password is strong enough before you save it. Once you've reset your password, you can sign in when ready with your new one.
How to find your account if you don't have a Target Circle account yet
If you received a Target credit card but haven't created a Target Circle account, you'll need to set one up before you can sign in online. Go to target.com and select "Sign up" instead of "Sign in." Enter your email address, create a password, and provide your name and date of birth. Target will send a confirmation email — click the link in that email to verify your address.
After you've created your account, you can sign in and link your credit card to it. Target will ask for your card number, expiration date, and CVV (the three-digit code on the back). Once linked, you'll see your card balance and statements whenever you sign in.
Viewing your balance and recent transactions
After you sign in, look for a section labeled "Credit Card" or "Accounts" on your dashboard. This shows your current balance, credit limit, available credit, and minimum payment due. You'll also see your statement closing date — the day each month when Target calculates what you owe.
Scroll down to see a list of your recent purchases. Each transaction shows the date, merchant name, and amount. If you see a charge you don't recognize, you can report it from this page. Target also shows pending transactions (purchases that have been authorized but not yet processed) separately from posted ones.
Making a payment on your Target credit card
From your account dashboard, select "Make a payment" or "Pay now." You'll see your current balance and minimum payment due. Enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose your payment method (bank account or debit card) and confirm the payment date.
Payments made before 8 p.m. Central Time on a business day usually post the same day. Payments made after that time or on weekends post the next business day. Target doesn't charge a fee for online payments, but if you pay by phone or mail, check your statement for any applicable fees.
You can also set up automatic payments so your bill is paid on the same date each month. From the payment page, select "Set up automatic payments" and choose whether you want to pay the full balance, the minimum, or a fixed amount. You can change or cancel automatic payments anytime from your account settings.
Updating your account information and security settings
To change your email address, phone number, or mailing address, go to your account settings after signing in. Look for "Account information" or "Profile settings" and select "Edit." Make your changes and save them. If you change your email address, Target will send a confirmation link to your new email — click it to verify the change.
To change your password, go to "Security settings" and select "Change password." Enter your current password, then create a new one. If you want to add extra security to your account, look for an option to enable two-factor authentication (also called two-step verification). This requires you to enter a code sent to your phone or email each time you sign in from a new device.
Troubleshooting common sign-in problems
If you see a message that your username or password is incorrect, make sure you're entering them exactly as you set them up — passwords are case-sensitive, meaning uppercase and lowercase letters are different. If you've tried multiple times and still can't sign in, use the "Forgot password?" option to reset it.
If your account is locked after several failed sign-in attempts, wait 15 minutes before trying again. Target locks accounts temporarily to protect them from unauthorized access. If you're still locked out after waiting, contact Target's customer service through the website or call the number on the back of your credit card.
If you're having trouble on the mobile app, try signing out completely, closing the app, and signing back in. Sometimes clearing the app's cached data helps too — go to your phone's settings, find the Target app, and select "Clear cache." Then open the app and sign in again.
Frequently Asked Questions
Can I sign in to my Target credit card account without a Target Circle account?
No. Your Target credit card account is managed through Target Circle, so you need a Target Circle account to sign in online. If you don't have one, you can create it for free at target.com. You'll need your email address, a password, your name, and your date of birth.
Is it safe to sign in to my Target credit card account on public Wi-Fi?
Target's website uses encryption to protect your information, but public Wi-Fi networks are less find. If you must sign in on public Wi-Fi, avoid making payments or changing sensitive information like your password. It's safer to wait until you're on a private network, or use your phone's mobile data instead of Wi-Fi.
What should I do if I think someone else signed in to my account?
Change your password when ready using the "Forgot password?" option. Then review your recent transactions for any charges you didn't make. If you see unauthorized purchases, contact Target's customer service right away — the number is on the back of your credit card. You can also report fraudulent charges directly through your account dashboard.
Can I sign in to my Target credit card account on the Target mobile app if I don't have a smartphone?
No, the mobile app requires a smartphone or tablet. However, you can manage your account on any computer or tablet with a web browser by going to target.com. The website version has all the same features as the app, including viewing your balance, making payments, and updating your information.
How do I sign out of my Target credit card account?
On the website, select your account icon in the top right corner and choose "Sign out." On the mobile app, tap the account icon at the bottom right and select "Sign out." Always sign out when you're finished, especially if you're using a shared or public device.