Target ATM Cards – Types and How to Apply

Target ATM cards are red-branded cards that are convenient for customers to carry around and designed for paying exclusively at Target stores. Keep reading to understand better the importance of the target ATM cards, which are store-branded only for in-network use.

Target ATM Cards

Target offers its line of debit and credit cards that can only be used to make purchases at Target stores and affiliated ATMs.

Known as the Target Debit Card and Target Credit Card, these red-branded payment options allow loyal customers to shop and earn rewards exclusively within the Target ecosystem.

Types of Targets ATM Cards

Target credit cards vary according to the service they offer, and they are listed and explained below:

The Target Debit REDcard

This credit card is directly connected to an existing checking account. When used for purchases at Target stores or, funds are deducted directly from the checking account.

It offers the convenience of shopping without cash or credit while providing benefits like 5% off eligible Target purchases, free shipping on most items, and an extra 30 days for returns.

The Target Credit RED

This card functions like a traditional credit card but is specifically for Target stores and

With this card, purchases can be made on credit and the balance paid over time. Similar to the Debit REDcard, it provides perks such as 5% off eligible Target purchases, free shipping on most items, and extended return windows.

The Target Prepaid REDcard

This a reloadable prepaid card that can be used for purchases wherever Mastercard is accepted, including Target stores and

Funds can be loaded via direct deposit, bank transfer, or cash deposit at Target stores. This card provides a convenient alternative to cash for managing spending and budgeting.

Target GiftCards

While not actual debit/credit cards, Target also offers gift cards that can be purchased and redeemed for purchases at Target stores and

These preloaded cards can be given as gifts or used for personal shopping and don’t require activation or bank account linkage.

Requirements to Get the Target ATM Cards

Getting your target ATM cards is usually easy and without stress, however, you will need the following basic requirements.

These requirements depend on the type of Target ATM card you are applying for, below are the most basic and general requirements:

  • You will provide your personal information
  • You must be 18 years and above
  • To apply for a Debit REDcard, it is necessary to have an existing account at a bank
  • If you are applying for a Credit REDcard, a credit check will be part of the requirement process
  • Consenting to the terms and conditions is a requirement
  • You will be asked to provide information on your income and employment status
  • You will ensure you complete the application form

How to Apply for the Target ATM Card

To be a part of the Target ATM card and the ease it offers, you can apply for it by following the steps listed below:

  • Before applying you should have understood the types of cards available while choosing the one that best suits your needs as each card has its features, benefits, and requirements.
  • Visit the target website, and navigate to the “REDCARD” section which is found under “Apply & Save on the homepage.
  • Choose your card type from the debit REDcard, credit REDcard, and the prepaid REDcard
  • Begin the application process by reviewing the terms and conditions, interest rates, fees, requirements, and rewards.
  • If you are satisfied with what you see you can then click on the “Apply Now” button
  • Complete the application form by providing accurate information and double-checking for errors
  • Review your application
  • Submit your application for your REDcard ATM card
  • Wait for approval and card delivery
  • Activate your card
  • Start using your card

How to Activate Your Target ATM Card

If you are new to Target REDcard then you will need to create an account especially if you wish to activate your account online. There are several ways to activate your ATM card, follow the steps below:

Activate Your Target ATM card Over the Phone:

You can activate it on the phone by calling the number on the back of the card and you will be guided through the process.

Activate Your Target ATM card Online:

You can activate your card by visiting the Target website, logging in to your REDcard account if you already have one, or sign up if it’s a new card and then proceeding to activate it.

The Fees Associated with the Target ATM Card

Cards have fees attached to them and the Target ATM card is not any different. However when the cards are used at Target-owned ATMS, there is no charge attached.

Below are the fees when used at Target ATM

  • Monthly maintenance fee
  • Overdraft fee

Others like atm withdrawal fees, declined transaction fees, balance inquiry fees, customer service fees, inactivity fees, and paper statement fees are completely free when used at a target-owned ATM.


Is The Target REDcard a Credit Card?

While the Target RedCard has features of both a credit card and a debit card. It is important to understand the distinction between the two options available:

The Target RedCard Credit Card operates like a typical credit card, allowing purchases to be made now with payment due at a later date. This option reports payment history to credit bureaus.

The Target RedCard Debit Card draws directly from a linked checking account, functioning like a traditional debit card where funds are deducted at the time of purchase. This option does not impact your credit score.

By providing both a credit card and debit card version, Target gives consumers the flexibility to choose the RedCard option that best fits their individual financial needs and preferences.

What Credit Score is Required for the Target Credit Score?

The Target RedCard Credit Card has relatively lenient credit requirements compared to other credit cards.

While Target does not disclose a minimum credit score needed, most applicants with a fair credit score in the range of 600-650 or above should qualify.

There is no pre-approval process, but the RedCard is designed to be accessible to a wide range of credit profiles. Just keep in mind that applying could result in a small, temporary dip in your credit score.

Does Target REDcard have a Limit?

Target RedCard credit limits vary based on individual credit profiles. Limits typically range from $200 to 2,500 or more. Long-time cardholders with a history of on-time payments may be eligible for higher limit

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