How to pay your Target credit card
You can pay your Target credit card online through your Target account, by phone, by mail, or in person at any Target store. The fastest method is online through Target.com or the Target mobile app, where you can make a one-time payment or set up automatic payments. If you prefer to speak with someone, you can call the customer service number on the back of your card. Payments are processed when ready for online and phone payments, while mail and in-store payments take a few business days to post to your account.
Your payment due date appears on your monthly statement and is typically 21 days after your statement closes. You can pay any amount from the minimum due to your full balance. If you miss a payment, your account may be reported to credit bureaus and you could face late fees, so setting up automatic payments removes this risk entirely.
Key Takeaways
- Online payment through Target.com or the Target app is the fastest way to pay and takes effect when ready.
- You can set up automatic monthly payments so your bill is paid on the same date each month without manual action.
- Phone payments are available by calling the number on your card, and payments post within one business day.
- Mail and in-store payments are accepted but take several business days to process, so plan ahead if your due date is near.
- Your payment due date is listed on your statement and is typically three weeks after your statement closes.
Paying online through your Target account
Log into your Target account at Target.com or open the Target mobile app and navigate to your account settings. Select "Credit Card" or "Manage Payment" and enter the amount you want to pay. You will see the payment date and confirmation before you submit. Online payments are processed when ready and appear on your account right away, though it may take one business day for the payment to fully post and reduce your balance.
If you want to set up automatic payments, choose the "Auto Pay" option in the same menu. You can select whether to pay the full balance, the minimum due, or a fixed amount each month. Automatic payments happen on your due date, so you never have to remember to pay manually. You can change or cancel automatic payments at any time through your account.
Paying by phone
Call the customer service number printed on the back of your Target credit card. Have your card number and the amount you want to pay ready. A representative will confirm your payment amount and process it over the phone. Phone payments are free and post to your account within one business day.
Phone payments are useful if you have questions about your balance or statement, since you can ask the representative while making your payment. However, online payment is faster if you straightforward want to submit a payment without speaking to anyone.
Paying by mail
Write a check or money order payable to Target and include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this address is different from the store address and is used only for payments. Do not send payment to a Target store location.
Mail payments typically take 7 to 10 business days to arrive and process. If your due date is within two weeks, do not rely on mail payment, as it may arrive after your due date and trigger a late fee. Mail payment is the slowest option and should only be used if you cannot pay online or by phone.
Paying in person at Target
You can make a payment at the customer service desk of any Target store. Bring your credit card or account number and the amount you want to pay in cash or debit card. The store will process your payment and give you a receipt. In-store payments take 3 to 5 business days to post to your account.
In-store payment is convenient if you are already shopping, but it is slower than online or phone payment. Like mail payment, it should not be your first choice if your due date is soon.
Understanding your payment due date and minimum payment
Your statement shows two important dates: the statement closing date and the payment due date. The due date is typically 21 days after the statement closes. You must pay at least the minimum due by this date to avoid a late fee and credit reporting. The minimum due is usually a small percentage of your balance, often $25 or more depending on how much you owe.
Paying only the minimum means you carry the rest of your balance forward and pay interest on it. To avoid interest charges, pay your full statement balance by the due date. If you cannot pay the full balance, paying more than the minimum reduces the interest you owe and helps you pay off the card faster.
What happens if you miss a payment
If your payment does not arrive by the due date, Target will charge a late fee, typically $25 to $35 depending on your account history. Your interest rate may also increase if you have a promotional rate. After 30 days past due, the late payment may be reported to credit bureaus and appear on your credit report for up to seven years.
If you realize you will miss a payment, contact Target customer service as soon as possible. Some situations may allow for a one-time courtesy waiver of the late fee, though this is not may provide. The best protection is automatic payment, which removes the risk of forgetting to pay.
Frequently Asked Questions
Can I pay my Target credit card with a different payment method?
You can pay with cash, check, money order, debit card, or another credit card depending on the payment method. Online and phone payments accept debit cards and bank accounts. In-store payments accept cash and debit cards. Mail payments accept checks and money orders. You cannot pay with another credit card online or by phone.
How do I know if my payment went through?
Online and phone payments show a confirmation number when ready. Check your account within one business day to see the payment post. You can also log into your Target account anytime to view your payment history and current balance. Mail and in-store payments take longer to show, so allow 3 to 7 business days before checking.
Can I make a payment before my statement closes?
Yes, you can pay your balance at any time, even before your statement closes. Payments made before the closing date reduce the balance that appears on your next statement. This can lower your interest charges if you carry a balance, since interest is calculated on your statement balance.
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. This credit is applied to your next statement. If you overpay significantly, you can request a refund by calling customer service, though most people use the credit toward future purchases.
Is there a fee to pay my Target credit card?
No, there is no fee for any payment method — online, phone, mail, or in-store payments are all free. Late fees explore only if you miss your due date. Automatic payments are also free and have no setup cost.