Where to send your Target credit card payment
You can pay your Target credit card through three main routes: online through your Target account, by phone, or by mail. The online method is fastest and shows your payment when ready. Phone payments take the same time but require speaking to a representative. Mail payments take 7 to 10 business days to reach Target's processing center, so send them early if your due date is near.
Target's credit card is issued by Synchrony Bank, not by Target itself. This matters because Synchrony handles the actual account and payment processing. When you pay online or by phone, you are communicating with Synchrony's system, even though the card carries the Target name and you may have opened it in a Target store.
Key Takeaways
- Online payment through your Target account or Synchrony's website is the fastest method and lets you see the payment post within one business day.
- Phone payments go through Synchrony at 1-866-322-8377 and work the same way as online payments, just with a representative handling the details.
- Mail payments take 7 to 10 business days, so you must send them well before your due date to avoid a late fee.
- Your payment due date appears on your monthly statement, and Target charges a late fee if payment arrives after that date, regardless of the method you used.
- Setting up automatic payments through your bank account prevents missed payments and removes the need to remember a due date each month.
Paying online through your Target account
Log into your Target account on the Target website or mobile app, then go to the "Account" or "Wallet" section. Look for "Credit Card" or "Manage Payment" — the exact label varies depending on whether you are on desktop or mobile. Select your Target credit card from the list, and you will see your current balance, due date, and a button to make a payment.
Enter the amount you want to pay and the bank account you want to pay from. Target will ask you to confirm the account number and routing number if this is your first time paying from that account. The payment posts within one business day, and you will receive a confirmation email. You can pay any amount from the minimum payment up to your full balance, and you can make multiple payments in a single month if you want to.
Paying through Synchrony's website directly
You can also log into your account at Synchrony's website (synchronybank.com) instead of going through Target's site. This is useful if you have other Synchrony credit cards and want to manage all of them in one place. The payment process is identical: log in, select your Target card, enter the amount and your bank account details, and confirm.
Some people find Synchrony's site easier to navigate if they are already familiar with it from other cards. Others prefer the Target app because it is more integrated with their shopping. Both routes lead to the same account and the same payment system, so the choice is yours.
Paying by phone
Call Synchrony at 1-866-322-8377 to pay by phone. Have your Target credit card number and your bank account information ready. A representative will ask you how much you want to pay and which account to take the payment from. The payment posts the same day or the next business day, depending on what time you call.
Phone payments work well if you do not have internet access, prefer talking to a person, or need to ask questions about your account at the same time. The representative can also tell you your current balance, due date, and available credit while you are on the call. There is no fee for paying by phone.
Paying by mail
Write a check or money order payable to Synchrony Bank and include a payment coupon from your monthly statement. The coupon shows your account number and the address where to send the payment. Mail it to the address on the coupon, not to Target itself.
Mail payments take 7 to 10 business days to arrive and be processed. If your due date is within two weeks, do not use mail — use online or phone payment instead. Target charges a late fee if your payment arrives after the due date, and the mail delay is your responsibility, not Target's. Keep a copy of the check or money order number for your records in case you need to track the payment later.
Setting up automatic payments
You can set up automatic payments through either the Target app or Synchrony's website. Choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month. Select the day of the month when the payment should come out of your bank account.
Automatic payments remove the risk of forgetting a due date and incurring a late fee. They post on the same schedule as manual online payments — within one business day. You can change or cancel an automatic payment anytime through the same account settings where you set it up. If your balance varies month to month, many people set automatic payments to cover the full balance so they never carry interest.
What happens if you miss a payment
If your payment does not arrive by the due date, Target charges a late fee. The amount of the fee depends on your account terms, but it typically ranges from $25 to $40 for the first late payment. Your interest rate may also increase if you miss a payment, and the missed payment will appear on your credit report after 30 days.
If you realize you will miss a due date, call Synchrony when ready at 1-866-322-8377. Some representatives can waive a single late fee if you have a good payment history and can explain the reason for the delay. This is not may provide, but it is worth asking. Paying as soon as you realize the mistake will prevent additional fees and limit the damage to your credit.
Frequently Asked Questions
Can I pay my Target credit card at a Target store?
No. Target stores do not accept credit card payments in person. You must pay online, by phone, or by mail. Some customers confuse this with paying for a purchase with their Target card, which you can do at checkout — but that is a transaction, not a payment toward your balance.
Is there a fee to pay my Target credit card?
No. Synchrony does not charge a fee for any payment method — online, phone, or mail. If you use a third-party bill payment service through your bank, that service may charge a fee, but paying directly through Target or Synchrony is always free.
How long does it take for a payment to show up?
Online and phone payments post within one business day. Mail payments take 7 to 10 business days. The due date on your statement is the important date for payment to arrive, not the important date for you to send it, so plan accordingly for mail.
What if I want to pay more than my balance?
You can pay more than your current balance, and the extra amount becomes a credit on your account. You can use that credit toward future purchases or request a refund. Most people do not overpay intentionally, but it can happen if you estimate your balance and then make a larger purchase before the payment posts.
Can I set up automatic payments for a specific dollar amount?
Yes. When you set up automatic payments, you can choose to pay the full balance, the minimum payment, or a fixed amount you enter yourself. A fixed amount is useful if you spend the same amount each month and want to pay it off completely without carrying a balance.