Where to pay your Target RedCard bill
You can pay your Target RedCard bill through Target's website, the Target mobile app, by phone, or by mail. The fastest way is online through your account at target.com — you log in, go to your RedCard account, and make a payment in minutes. If you prefer to call, Target's customer service number is on the back of your card. Payments by mail take longer and should be sent at least 10 days before your due date to avoid a late fee.
Target also lets you set up automatic payments so your bill is paid on the same day each month. This is useful if you want to avoid missing a due date, though you can change or cancel the automatic payment anytime through your account settings.
Key Takeaways
- Online payment through target.com or the Target app is the fastest method and shows as posted to your account within one business day.
- You can pay your full balance, the minimum payment, or any amount in between — the choice is yours each month.
- Automatic payments can be set up for any day of the month, but you remain responsible if the payment fails due to insufficient funds.
- Mailed payments must arrive at least 10 days before your due date to count as on-time and avoid a late fee.
- If you miss a payment, Target charges a late fee and reports the missed payment to credit bureaus after 30 days.
Paying online through Target.com or the mobile app
Log into your Target account at target.com or open the Target app on your phone. Tap or click on "Account" or "RedCard" in the menu, then select "Make a Payment" or "Pay Your Bill." Enter the amount you want to pay — you can pay the full balance shown, the minimum payment, or any amount between the two. Choose your payment method (debit card, bank account, or another credit card) and confirm the payment.
Online payments post to your account within one business day. If you pay before 11:59 p.m. Eastern Time on your due date, it counts as on-time. Payments made after midnight on the due date are considered late, even if they post the next business day.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. In your RedCard account settings, select "Autopay" or "Automatic Payments," choose the day of the month you want the payment to come out, and decide whether you want to pay the full balance, the minimum, or a fixed amount. Target will charge your chosen payment method on that day each month.
You can change your automatic payment amount or cancel it anytime through your account. If your bank account or card has insufficient funds on the payment date, the payment will fail and you will be charged a late fee. Target does not retry failed automatic payments automatically, so check your account if you suspect a problem.
Paying by phone or mail
To pay by phone, call the number on the back of your RedCard. A representative will ask for your account number and the amount you want to pay, then process the payment using your bank account or another card. Phone payments typically post within one to two business days.
To pay by mail, send a check or money order to the address shown on your billing statement. Write your account number on the check. Mail payments take 7 to 10 business days to reach Target's processing center, so send your payment at least 10 days before your due date to ensure it arrives on time. Late fees apply if the payment is not received by the due date, regardless of when you mailed it.
What happens if you miss a payment
If your payment is not received by the due date, Target charges a late fee. The amount of the late fee depends on your credit limit and varies by state, but typically ranges from $25 to $35 for the first late payment. You will also be charged interest on any unpaid balance at your card's regular interest rate.
After 30 days of non-payment, Target reports the missed payment to the three major credit bureaus — Equifax, Experian, and TransUnion. This late payment stays on your credit report for seven years and can lower your credit score. If your account remains unpaid for 180 days (about six months), Target may close your account and send it to a debt collection agency.
Understanding your billing cycle and due date
Your billing cycle is typically 28 to 31 days, and your due date is the same day each month. Your billing statement shows the opening date of the cycle, the closing date, and the due date for payment. Any purchases made between the opening and closing dates appear on that statement.
If you pay only the minimum payment, you will be charged interest on the remaining balance at your card's annual percentage rate (APR). The interest accrues daily, so the longer you carry a balance, the more interest you pay. Paying the full balance by the due date means you pay no interest on that month's purchases.
Payment methods and security
Target accepts payments from a debit card, another credit card, or a bank account (checking or savings). When you pay online or by phone, your payment information is encrypted and sent securely. Target does not store your full card number or bank account number in a way that is visible to you after the transaction completes.
If you are concerned about fraud or unauthorized charges on your account, contact Target's fraud department using the number on the back of your card. You can also dispute a charge through your account settings or by calling customer service. Target will investigate the dispute and may issue a temporary credit while the investigation is underway.
Frequently Asked Questions
Can I pay my Target RedCard bill with cash?
No, Target does not accept cash payments for RedCard bills. You must pay online, by phone, by mail, or through automatic payments using a debit card, credit card, or bank account. You can make purchases with cash at Target stores, but bill payments require one of these methods.
What time does my payment need to be made to count as on-time?
Online and phone payments must be submitted by 11:59 p.m. Eastern Time on your due date to count as on-time. Mailed payments must be received by the due date, not postmarked by the due date. Mail your payment at least 10 days early to account for processing time.
Will I be charged a fee if my automatic payment fails?
Yes. If your bank account or card does not have enough funds when the automatic payment is scheduled, the payment will fail and Target will charge you a late fee. You are responsible for ensuring your payment method has sufficient funds on the payment date.
Can I pay more than the minimum to pay off my balance faster?
Yes. You can pay any amount between the minimum and your full balance, or pay more than your full balance if you want to prepay future purchases. Paying more than the minimum reduces the interest you pay and helps you pay off the balance faster.
How long does it take for a payment to show up in my account?
Online and phone payments typically post within one business day. Mailed payments take 7 to 10 business days to reach Target's processing center. Once received, mailed payments are posted within one to two business days. Check your account online to confirm the payment has posted before assuming it did not go through.