Target Credit Card Reviews


When it comes to credit cards, everyone wants one. And with good reason: Credit cards offer customers a range of benefits and privileges, from cashback to travel insurance. But before you apply for a card and start spending all your money, be sure to read the reviews. You may be surprised to find out that some of the best cards have some of the worst customer service. In this blog post, we will tell you all about Target credit card reviews and how you can use them to your advantage. By reading through these reviews, you can decide which card is right for you and avoid any unpleasant surprises down the line.

What is Target Credit Card?

Target credit card is a great option for people who want to manage their finances responsibly and have a variety of options when it comes to spending. The card offers a low interest rate, extended loan periods, and no annual fee. Additionally, the Target credit card has an impressive rewards program that can really help you save money on your purchases.

The Rewards Program

The Target Credit Card offers a variety of rewards that can be redeemed for items such as gas, groceries, and even gift cards. The card has an annual fee of $0 for the first year, but after that it charges a 3% APR. There is also a 0% APR on purchases and balance transfers for the first six months. After that, the APR is 19%. The Target Credit Card also offers extended warranties and protection from identity theft.

How to Use the Target Credit Card

If you’re looking for a quality credit card that offers great rewards, the Target Mastercard might be a good option for you. Here are five things to know about using this card:

1. The Target Mastercard offers some great rewards opportunities, including 2% cash back on all purchases and 1% cash back on all other spending. Plus, when you reach the $1,000 in total spending each month through your card, you start to earn an additional 1%. You can also earn extra points when you make qualifying purchases at Target and its sister stores.

2.One downside to the Target Mastercard is that it has a high interest rate of 26%. However, since this card offers excellent rewards potential, it may still be worth considering if you’re looking for a quality credit card that won’t cost too much in terms of interest payments over the long run.

3. The Target Mastercard can help you build up your credit score if used responsibly. Make sure to keep up with your monthly payments on time and keep track of your overall debt levels so that your credit score can continue to improve over time.

4. Another advantage of theTarget Mastercard is that it comes with free access to targeted financial advice from Credit KarmaTM . This service can help you identify financial goals and strategies for achieving them, which can ultimately lead to better financial health and stability.

5. Finally, make sure to read the terms and conditions of the Target Mastercard carefully before applying. This card has some specific rules and regulations that you need to be aware of, such as limiting the number of cards you can hold at the same time and requiring a minimum credit score of 660.

Fees and Rates

The Target credit card is one of the most popular cards on the market, and for good reason. The card has a low annual fee of $0 for the first year, and then a variable APR that ranges from 13.24%-25.74%. Plus, there are no foreign transaction fees, so you can use the card anywhere in the world.

One downside to the Target credit card is that it has an annual fee of $95 after the first year. But overall, this is a great option for anyone looking for a low-cost credit card that offers solid rewards potential.


If you’re looking for a new credit card to use, it’s important to do your research. We’ve reviewed some of the best Target cards out there, so you can find the perfect one for your needs. Whether you’re looking for a no-fee card or a rewards card that offers great benefits, we’ve got you covered. Check out our reviews and choose the right card for your lifestyle!