Where to log in to pay your Target RedCard bill

You log in to pay your Target RedCard bill through Target's website or mobile app, not through a separate credit card portal. Go to target.com, select "Account" in the top right corner, and choose "Sign In." Enter your Target.com username and password — the same login you use to shop online.

Once signed in, look for "Credit Card" or "Manage Your RedCard" in the account menu. From there you can view your balance, recent charges, and payment options. If you use the Target app, the same account menu appears after you sign in.

If you don't have a Target.com account yet, you'll need to create one before you can access your card details online. You can set up an account with just an email address and password, though you'll need your RedCard number and other information to link the card to your account.

Key Takeaways

  • Log in through target.com or the Target app using your Target.com username and password, not a separate credit card website.
  • You can pay your bill immediately after signing in, or set up automatic payments so the full balance or a minimum payment posts on a date you choose.
  • Payments made online typically post within one business day, though Target recommends paying at least five business days before your due date to avoid late fees.
  • If you forget your Target.com password, use the "Forgot Password" link on the sign-in page to reset it by email.

How to make a payment after you log in

After you sign in and navigate to your RedCard account, you'll see your current balance and due date. Select "Make a Payment" or a similar button (the exact wording varies by whether you're on the website or app). You can then choose to pay the full balance, the minimum payment, or a custom amount.

Enter the amount you want to pay and confirm the payment method — this is typically the bank account you provided when you opened the card, though some accounts may offer other options. Review the details and submit. Target will show you a confirmation number immediately.

Payments made before 11:59 p.m. Eastern Time usually post to your account the next business day. If you're close to your due date, Target recommends submitting payment at least five business days in advance to ensure it arrives on time and avoids triggering a late fee.

Setting up automatic payments

Instead of logging in each month to pay manually, you can set up automatic payments through your Target account. After signing in, look for "Automatic Payments" or "Autopay" in the RedCard section. You'll choose a date each month when the payment should post — many people pick the same day their paycheck arrives.

You can set autopay to deduct your full statement balance, just the minimum payment, or a fixed amount you specify. If you choose a fixed amount, make sure it's at least the minimum payment shown on your statement, or you'll still be charged a late fee even though the automatic payment goes through.

You can change or cancel automatic payments anytime by logging back into your account. If you cancel, you'll need to return to manual payments or set up a new autopay schedule.

What to do if you can't log in

If you've forgotten your Target.com password, click "Forgot Password" on the sign-in page. Target will send a reset link to the email address on file. Click the link, create a new password, and you can sign in immediately.

If you don't remember the email address you used to create your account, or if you never created a Target.com account, you'll need to contact Target's customer service. Call the number on the back of your RedCard or visit a Target store — a team member can help you locate your account or set up a new one.

If you're locked out after multiple failed sign-in attempts, wait a few hours before trying again. Target temporarily restricts access after several incorrect password entries to protect your account from unauthorized use.

Payment deadlines and late fees

Your RedCard statement shows a due date — this is the last day your payment must post to your account to avoid a late fee. Late fees vary but typically range from $25 to $35 for the first late payment. A second late payment within six months usually costs more.

Because online payments take one business day to post, you should submit payment at least two business days before your due date. If your due date falls on a weekend or holiday, Target extends the deadline to the next business day, but don't rely on this — submit early instead.

If you miss a payment, your interest rate may increase, and the missed payment will appear on your credit report. Paying as soon as you realize you're late can limit the damage, but the late fee itself won't be reversed.

Paying by phone or mail if you can't use the website

If you prefer not to pay online, you can pay by phone by calling the number on the back of your RedCard. A representative will take your payment information and process the payment immediately. Phone payments also typically post within one business day.

You can also mail a check to the address shown on your monthly statement. Write your RedCard number on the check and mail it to the payment address listed — not to a Target store. Mail payments take longer to arrive and post, so send them at least 10 business days before your due date.

Both phone and mail payments incur the same one-business-day posting time as online payments, so plan accordingly to avoid late fees.

Frequently Asked Questions

Can I pay my Target RedCard with a different bank account than the one I set up originally?

Yes. When you log in and go to make a payment, you can usually add a new bank account for that single payment. To change your default payment account permanently, look for "Payment Methods" or "Bank Account Information" in your account settings and update it there.

What if I pay more than my full balance?

The extra amount becomes a credit on your account. You can use it toward future purchases, or contact Target customer service to request a refund of the overpayment to your bank account.

Do I need to log in every time I want to pay, or can I save my login information?

You can choose to stay signed in on your personal device, which saves you from typing your password each time. Don't use this option on a shared or public computer. If you set up automatic payments, you won't need to log in monthly at all.

What happens if my payment is rejected?

Target will notify you by email or mail that the payment failed, usually because the bank account information was incorrect or the account had insufficient funds. Log back in and try again with corrected information, or use a different payment method. The failed attempt won't count as a late payment, but you still need to pay before your due date to avoid fees.

Can I see my payment history after I log in?

Yes. Your account shows recent payments, the dates they posted, and your payment method for each one. This history is useful if you need to confirm a payment went through or if you're disputing a charge.