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 app — you log in, go to your account, and make a payment in minutes. If you prefer to speak with someone, you can call the number on the back of your card. Payments made online or by phone typically post within one business day.
Target credit cards are issued by Synchrony Bank, so the payment address and phone number appear on your monthly statement. You do not need to set up anything special to pay — you can make a one-time payment whenever you want, or you can set up automatic payments so the same amount comes out on the same day each month.
Key Takeaways
- Online payment through Target.com or the Target app is the fastest method and posts within one business day.
- You can call the number on the back of your card to make a payment by phone without logging in.
- Mail payments should be sent to the address on your statement and take 7 to 10 business days to post.
- You can set up automatic payments so a fixed amount or your full balance is paid on the same day each month.
- Payments made in store at Target go to a third-party processor and may take longer to post than online payments.
Paying online through Target.com or the Target app
Log into your Target account on Target.com or open the Target app on your phone. Tap or click on your account menu, then select "Credit Card" or "Manage Credit Card." You will see your current balance, due date, and a button to make a payment. Enter the amount you want to pay and confirm your payment method — the payment will process when ready and post to your account within one business day.
This method works even if you do not have a Target account yet. You can create one during the payment process using your card number and the zip code or phone number associated with your account. Online payments are free and do not require a fee.
Paying by phone
Call the customer service number on the back of your Target credit card. A representative will ask for your card number and the amount you want to pay, then confirm your payment method. You can pay from a checking or savings account, or use another Target credit card. Phone payments are free and post within one business day.
You do not need to log into anything or have your statement in front of you — the representative can look up your account using your card number. If you call outside business hours, you may reach an automated system that allows you to make a payment without speaking to anyone.
Paying by mail
Write a check or money order for the amount you owe. Include your account number (the 16-digit number on your card) on the check. Mail it to the address shown on your monthly statement under "Payment Address" — this address is different from your billing address. Do not send payment to your billing address.
Mail payments take 7 to 10 business days to arrive and post. If your due date is coming up soon, mail is not the best choice — use online or phone payment instead. Keep a record of when you mailed the payment in case there is a delay.
Paying in person at Target stores
You can walk into any Target store and make a credit card payment at the customer service desk. Bring your card or tell the associate your card number. You can pay with cash, debit card, or another credit card. The associate will process the payment through a third-party system, and you will receive a receipt.
In-store payments may take longer to post than online or phone payments — sometimes 3 to 5 business days instead of one. If your payment is urgent or your due date is very soon, pay online or by phone instead.
Setting up automatic payments
Log into your Target account online or in the app and go to your credit card settings. Look for "Automatic Payments" or "Recurring Payments." You can choose to pay a fixed amount each month, or you can set it to pay your full statement balance automatically. Select the day of the month you want the payment to come out — most people choose a day shortly after they get paid.
Automatic payments are free and remove the risk of missing a due date. You can change or cancel the automatic payment at any time through your account settings. If your balance varies month to month, paying your full statement balance automatically means you will never carry a balance and will not pay interest.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, your account will be reported as late. This can lower your credit score and trigger a late fee — typically $25 to $35 depending on your account history. If you realize you will miss the due date, call the number on the back of your card right away to make a payment before the important date.
If you have already missed the due date, call as soon as possible. Some cardholders have had late fees waived if they call within a few days and have a good payment history. Paying the full balance owed will stop additional fees from building up, but the late payment will remain on your credit report for seven years.
Frequently Asked Questions
Can I pay my Target credit card with another credit card?
You can pay in person at a Target store using another credit card. Online and phone payments require a checking or savings account. Paying a credit card with another credit card usually counts as a cash advance on the second card, which means you will pay a higher interest rate and an upfront fee.
How do I know if my payment posted?
Log into your Target account online or in the app and check your current balance. Online and phone payments post within one business day. Mail and in-store payments take longer. You can also call the number on the back of your card to ask a representative whether your payment has been received.
What if I want to pay more than the minimum?
You can pay any amount up to your full balance. Paying more than the minimum reduces the interest you owe and pays off your card faster. If you set up automatic payments, you can choose to pay your full statement balance each month, which means you will not carry a balance into the next month.
Is there a fee to pay my Target credit card?
No. Target does not charge a fee for any payment method — online, phone, mail, or in person. If you pay by mail, you may pay for postage, but Target itself does not charge a fee. Some banks charge fees for certain payment methods, but Target's card does not.
Can I pay my Target credit card before the due date?
Yes. You can pay at any time, even weeks before your due date. Paying early reduces the interest that builds up on your balance and can help you pay off the card faster. There is no penalty for paying early.