Skip to main content
TD Bank USA, National Association

Target Mastercard

This credit card is recommended for people with the following credit scores: 620-719 and 720+

Nationwide
Availability

Review details with the company before applying

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

Purchase interest rate and fees

29.95%* Purchase APR

*As of . 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 29.95%
2 dollar sign symbols
Pay average interest
720+ 29.95%
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 Annual fee
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)
Copy Fee
$2 (You may be charged $2.00 for each duplicate Account document we reproduce for you at your request, in accordance with applicable law. We will not charge you for duplicate documents we reproduce for you in connection with a billing error notice or if our i)

Rewards and perks

Other Rewards

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 store 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

31.15%* Cash advance APR
+
3% Cash advance fee

*As of . Advertised cash advance APRs change over time. Check rates before applying.

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.