Where to pay your Target RedCard balance

You can pay your Target RedCard bill through three main routes: the Target website, the Target mobile app, or by phone with a customer service representative. Each method connects to the same account, so your payment posts the same day regardless of which you choose.

The Target website payment portal is at target.com/account. Log in with your username and password, select "Manage RedCard," and you'll see your current balance, due date, and a box to enter your payment amount. You can pay from a checking or savings account (no fee) or use another Target RedCard. Phone payments go through Target's automated system at 1-800-424-6100 or through a representative who can answer questions about your account at the same number.

The Target app mirrors the website. Open the app, tap the account icon, select "RedCard," and follow the same steps. Payments made before 11:59 p.m. Central Time typically post the next business day.

Key Takeaways

  • You can pay online at target.com/account, through the Target app, or by calling 1-800-424-6100 without paying a fee.
  • Payments from a bank account post the next business day; payments made after 11:59 p.m. Central Time may post the following business day.
  • Your due date appears on your monthly statement and in your online account, and paying by that date avoids a late fee.
  • If you miss a payment, Target charges a late fee (the amount varies by state) and may report the missed payment to credit bureaus after 30 days.

What happens if you pay late

A payment is late if it arrives after your due date. Target charges a late fee the first time you miss a due date; the amount depends on your state and your account history. If you pay 30 days or more past the due date, Target reports the missed payment to the three major credit bureaus (Equifax, Experian, and TransUnion), which can lower your credit score.

If your payment is more than 60 days late, Target may freeze your account and stop allowing new purchases until you bring it current. Accounts 180 days past due may be sent to a debt collection agency, which means a third party will contact you to collect the debt.

If you know you'll miss a due date, call Target at 1-800-424-6100 before the date arrives. Representatives cannot waive a late fee, but they can explain your options and discuss a payment plan if you're unable to pay the full balance at once.

Setting up automatic payments

Automatic payments remove the risk of forgetting a due date. In your Target account online or in the app, go to "Manage RedCard" and select "Autopay." You can choose to pay your full statement balance, a fixed amount, or your minimum payment each month on a date you set.

Automatic payments draw from the bank account you link during setup. If your account doesn't have enough funds on the payment date, the payment fails and you may be charged a late fee by Target and an overdraft fee by your bank. You can pause or cancel autopay at any time, and changes take effect within one business day.

Paying in person at Target stores

You cannot pay your RedCard bill at a Target checkout or customer service desk. Target only accepts bill payments online, through the app, or by phone. If you prefer to pay with cash or a debit card in person, you'll need to transfer money to your checking account first, then pay online or by phone from that account.

Some Target locations have a RedCard kiosk near the front of the store, but these are for applying for a new card or updating your account information, not for making payments.

Understanding your statement and due date

Your Target RedCard statement arrives once a month and shows your opening balance, all purchases and credits from that month, fees, interest charges, and your new balance. The due date is printed on the front of the statement and is typically 21 to 25 days after the statement closing date.

You can view your statement online at target.com/account or request a paper copy by mail. Your statement also shows the minimum payment due (usually 1 to 3 percent of your balance) and the interest rate applied to any balance you carry from month to month. If you pay only the minimum, you'll pay interest on the remaining balance.

Fees and interest on your RedCard

Target charges interest on any balance you don't pay in full by your due date. The interest rate (called the Annual Percentage Rate, or APR) varies based on your creditworthiness and ranges from around 16 percent to 27 percent, depending on the current market. Interest accrues daily on your unpaid balance, so the longer you carry a balance, the more you pay.

Late fees apply once per billing cycle if you miss your due date. The amount varies by state but typically ranges from $25 to $35 for a first late payment. Returned payment fees (charged if a check or automatic payment bounces) are usually $25 to $35. If you go over your credit limit, Target may charge an over-limit fee, though many issuers have stopped charging this fee.

You can avoid all of these fees by paying your full statement balance by the due date each month. If you carry a balance, you'll pay interest but no late fees as long as you make at least the minimum payment on time.

Paying off a large balance

If you owe more than you can pay in one month, you have options. You can make multiple payments throughout the month—there's no limit on how many times you can pay. Each payment reduces your balance and the interest you'll owe on the remaining amount.

If you're struggling to pay, contact Target at 1-800-424-6100 to discuss a payment plan. Representatives can sometimes arrange a plan that spreads your balance over several months, though this typically means you'll pay interest on the full amount. Some plans may also temporarily lower your interest rate.

Another option is a balance transfer to a card with a lower interest rate, though you'll need to open a new account and may pay a transfer fee. Before transferring, compare the transfer fee and the new card's APR against what you're currently paying on your Target RedCard.

Frequently Asked Questions

Can I pay my Target RedCard with a credit card?

No. Target only accepts payments from a bank account (checking or savings) or another Target RedCard. Paying with a credit card would create a cash advance on that card, which typically carries a higher interest rate and an upfront fee, so Target's system blocks it.

What time does my payment post if I pay online?

Payments made before 11:59 p.m. Central Time typically post the next business day. Payments made after 11:59 p.m. Central Time may not post until the following business day. Weekends and holidays can delay posting by one additional day.

Will paying my RedCard bill hurt my credit score?

No. Making on-time payments actually helps your credit score. Missing a payment and having it reported to credit bureaus will hurt your score, but paying on time or early has a positive effect.

Can I change my due date?

Target does not allow you to change your statement due date. Your due date is set based on when your account was opened and is the same each month. You can, however, make payments before your due date arrives.

What if I paid my bill but it still shows as due?

Payments take one to two business days to post after you submit them. If you paid before 11:59 p.m. Central Time, check your account again the next business day. If two business days have passed and the payment hasn't posted, call 1-800-424-6100 to confirm the payment was received.