How Can I Get Pre-Approved For The Target Credit Card? (2024)

FAQs

How Can I Get Pre-Approved For The Target Credit Card? ›

You cannot pre-qualify for the Target Credit Card. The Target Credit Card only requires fair credit or better (a credit score of 640+) for good odds of approval, though. Other factors, such as your income, debt and overall ability to make credit card payments will also be taken into consideration.

The Target Circle Card Credit Card (known previously as the Target RedCard) comes in two types: The Target Credit Card is a store card and you likely need a Fair Credit Score (580+ FICO Score) to have a decent chance of getting approved for it.

Keep in mind that the Target Credit Card requires Fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...

Target offers a RedCard credit card issued by TD Bank USA.

Generally, for the Target RedCard™, many folks have reported getting approved with a credit score in the fair range. This often starts around the mid-600s. However, having a score on the higher end of the fair range or even in the good range can increase your chances of approval and possibly get you better terms.

There is no specific mention of the credit score needed to qualify for a RedCard on the Target website. Generally, most store credit cards need a FICO® score that's fair or better to qualify for approval. So, if you have a credit score anywhere above 580, you should be good to go.

Secured credit cards and those designed for individuals with poor or limited credit are typically the easiest to get approved for. Cards such as the OpenSky® Secured Visa® and the Capital One Platinum Secured Credit Card are good examples.

Here are the Target Credit Card requirements for approval:

Minimum credit score: 640+ (at least fair credit) Age requirement: 18 years old. Income requirement: Enough to afford monthly payments (wages, investments, etc.) Citizenship: Must be a U.S. citizen with a valid Social Security Number.

FAQs. What is the credit limit for the Target RedCard™? The credit limit for the Target RedCard™ generally ranges from $200 to $2,500 or more. Credit limits tend to start low, but cardholders who consistently pay on time can receive sizable credit limit increases.

When applying for a Target red card on line it can take 24-48 hours for an approval. Being this is the weekend it may take an extra day. If you apply in the store, they can give you an instant answer, a temporary number to use and 5% off shopping that day.

What is the difference between a Target Credit Card and a Target Mastercard? ›

A Target Credit Card can be used to make Purchases at Target, including Target stores and Target.com. A Target Mastercard can be used to make Purchases at Target and wherever Mastercards are accepted.

TARGET MASTERCARD AND TARGET CREDIT CARD ARE ISSUED BY TD BANK USA, N.A. SUBJECT TO CREDIT APPROVAL.

Yes, the Target Credit Card reports cardholders' activity to all three major credit bureaus, TransUnion, Experian, and Equifax. It will do so on a monthly basis, the first day after the closing date of your billing cycle.

You need fair credit or better to get approved for a Target Credit Card. For the best odds of being approved, it's recommended that you only apply for a Target Credit Card if your credit score is 640 or higher and you have enough income to afford monthly bill payments.

Unfortunately, pre-qualifying with only a soft pull isn't an option. And since you'll need to have at least fair credit (a 640+ credit score) to be considered eligible for the Target Red Card, make sure you have the credit needed to avoid an unnecessary hard pull on your credit.

The main Target Credit Card requirements are that an applicant must be at least 18 years old with a valid Social Security number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least fair credit.