The fastest way to pay your Target credit card

You can pay your Target credit card online through Target's website, by phone, by mail, or in person at any Target store. The online method is fastest — you can log into your account, enter a payment amount, and confirm it in under two minutes. Payments made online before 8 p.m. ET typically post the same day.

If you need to pay when ready and don't have online access, you can call Target's customer service line at 1-800-659-2396 and make a payment over the phone with a debit card or bank account. Phone payments also process the same day if you call before the cutoff time.

Target's credit card is issued by Synchrony Bank, not by Target itself. This matters because Synchrony handles your account, sets your due date, and determines your interest rate. Knowing this helps you understand where to send payments and who to contact if something goes wrong.

Key Takeaways

  • Online payment through Target's website or the Target app is the fastest method and posts the same day if submitted before 8 p.m. ET.
  • You can pay by phone at 1-800-659-2396, by mail to the address on your statement, or in person at any Target store customer service desk.
  • Your Target credit card is managed by Synchrony Bank, so your account information and billing statements come from Synchrony, not Target.
  • Setting up automatic payments prevents missed due dates and late fees, and you can change or cancel automatic payments anytime through your online account.

Paying online through Target's website or app

Go to Target.com and sign into your account using your email address and password. Click on "Account" in the top right corner, then select "Credit Card" or "Manage Credit Card." You'll see your current balance, due date, and a button to make a payment.

Enter the amount you want to pay — you can pay your full balance, the minimum payment, or any amount in between. Choose your payment method (debit card or bank account), review the details, and click confirm. You'll receive a confirmation number when ready, and the payment will post within one business day.

The Target app works the same way. Open the app, tap the menu icon, go to "Account," then "Credit Card," and follow the same steps. Many people find the app faster because you're already logged in if you use Target's app for shopping.

Paying by phone or mail

To pay by phone, call 1-800-659-2396. A representative will ask for your credit card number and the amount you want to pay. Have a debit card or bank account information ready. Phone payments process the same day if you call before 8 p.m. ET, Monday through Friday.

To pay by mail, write a check or money order and send it to the address printed on your monthly statement. The address usually reads something like "Target Credit Card, P.O. Box [number], [city], [state]." Include your credit card number on the check or money order so the payment gets matched to your account. Mail payments typically take 5 to 7 business days to post, so send them at least a week before your due date to avoid a late payment.

Never send cash by mail. If you lose access to online payment and can't reach the phone line, paying in person at Target is your fastest backup option.

Paying in person at Target

Walk into any Target store and go to the customer service desk near the front. Tell the associate you want to make a credit card payment. They can process a payment using a debit card or cash right there — no appointment needed.

In-store payments post within one business day. This option is useful if you're already at Target, prefer to hand over payment in person, or need to pay urgently and don't have online or phone access. Bring your credit card or account number so the associate can match the payment to your account.

Setting up automatic payments

Automatic payments prevent missed due dates and late fees. Log into your Target credit card account online, go to "Manage Credit Card," and look for "Automatic Payments" or "Autopay." Select the amount you want to pay each month — you can choose to pay your full balance, the minimum payment, or a fixed dollar amount.

Choose your payment date (usually between the 1st and the 28th of each month) and confirm. The payment will come from your bank account or debit card automatically on that date every month. You can change or cancel automatic payments anytime by logging back into your account — there's no penalty for stopping.

If you set autopay to your minimum payment, you'll still carry a balance and pay interest. If you set it to your full balance, you'll pay no interest as long as you don't add new charges between the payment date and your statement closing date.

Understanding your due date and late payments

Your due date is printed on your monthly statement and is usually the same date each month. If you miss your due date, you'll be charged a late fee (typically $25 to $40 for the first late payment) and your interest rate may increase. A payment is considered late if it posts after 5 p.m. ET on the due date.

If you're close to your due date and paying online, submit your payment before 8 p.m. ET to may support it posts the same day. If you're paying by mail and your due date is within a week, call or pay online instead — mail is too slow. If you do miss a payment, call 1-800-659-2396 as soon as you realize it and make the payment when ready. Synchrony may waive the late fee if it's your first missed payment and you have a good payment history.

What to do if you can't find your account or statement

If you've lost your statement or don't remember your account number, call 1-800-659-2396 and a representative will look it up using your Social Security number and date of birth. They can also email or mail you a new statement.

If you've never set up an online account, go to Synchrony's website (the issuer of your Target card) and click "Enroll" or "Register." You'll need your credit card number, Social Security number, and date of birth. Once you're enrolled, you can log in anytime to see your balance, due date, and payment history.

Frequently Asked Questions

How long does it take for a payment to show up on my account?

Online and phone payments post within one business day if submitted before the cutoff time (usually 8 p.m. ET). Mail payments take 5 to 7 business days. In-store payments post within one business day. If your payment hasn't posted within these timeframes, call 1-800-659-2396 to confirm it was received.

Can I pay my Target credit card with another credit card?

No. Target and Synchrony only accept payments from debit cards or bank accounts. Paying a credit card with another credit card is considered a cash advance and comes with high fees and interest rates, so most issuers don't allow it anyway.

What happens if I pay more than I owe?

The extra amount becomes a credit on your account. You can use it toward future purchases, or you can call 1-800-659-2396 to request a refund. Refunds typically take 5 to 7 business days to appear in your bank account.

Do I have to pay the full balance or can I pay just the minimum?

You can pay any amount between the minimum and your full balance. The minimum is printed on your statement. If you pay only the minimum, you'll carry a balance and pay interest on it. Paying your full balance each month means you pay no interest.

Is there a fee to pay my credit card?

No. Target and Synchrony do not charge a fee for making a payment, regardless of the method you use. There are no convenience fees for online or phone payments.