TD Bank USA, National Association Target Mastercard | Consumer Financial Protection Bureau

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

target.com

Phone

(800) 424-6888

Purchase interest rate and fees

29.2% – 29.95%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	29.45%	2 dollar sign symbols Pay average interest
720+	29.45%	3 dollar sign symbols Pay more interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: A minimum interest payment of $1 is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $30 for the first late payment and $41 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Returned Payment Fee: $30 (We may charge you this fee each time any check or other payment order (including an electronic payment) is not honored by a depository institution. In any event, the Returned Payment Fee will not be greater than the Minimum Payment Due that was due immedi)
Expedited Delivery Fee: $25 (At your request, we will expedite the delivery of an additional or replacent Card for your Account. You may be required to reimburse us up to $25.00 for the delivery and other charges imposed on us by third party parties for this expediated service.)

Rewards and perks

Other

Other rewards: 1) 5% discount on Target Purchases 2) Rewards in the form of a Target Gift Card: 2% at gas and grocery and 1% everywhere else (must be an eligible purchase)

Services

Other: Mastercard ID Theft Protection; Mastercard Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance; Mastercard Airport Concierge Target Store: Extended returns (60 days) and Free 2-Day Shipping on eligible items

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Target mobile wallet provisioning

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

30.4% – 31.15%*

+

3%

*As of Dec. 31, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The median cash advance APR for this card is 30.65%.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.