Unfortunately, you cannot apply for the Target Mastercard, as this card is only available to existing customers who receive an offer to upgrade from the Target Credit Card. So, if you want to get the Target Mastercard, you will have to apply for the Target Credit Card first. Depending on your credit standing, income, and payment history, you might receive an upgrade offer to the Mastercard version of this card.
It's worth noting that the Target Credit Card is not backed by any major network and it can only be used for Target purchases. You can apply for this card either online or at a Target store. You cannot apply for the Target Credit Card over the phone.
How to Apply for the Target Credit Card
- Online: Visit the Target Credit Card webpage and click on the “Apply for Credit” button. Fill out the information required like your name, address, phone number, date of birth, and Social Security number. Then, review the card’s terms and conditions and submit your application.
- In-store: Visit your nearest Target location and head to the customer service counter. A customer care agent will help you fill out your application. You will need to provide some type of identification like your Social Security number, driver’s license, state ID, or military ID.
Keep in mind that the Target Credit Card requires at least fair credit for approval. The Target Mastercard on the other hand, is reserved for people with excellent credit. If you don’t know where you stand, you can check your credit score for free on WalletHub.
This answer was last updated on 01/09/24 and it was first published on 10/12/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
Online: Visit the Target Credit Card webpage and click on the “Apply for Credit” button. Fill out the information required like your name, address, phone number, date of birth, and Social Security number. Then, review the card's terms and conditions and submit your application.
How do you get approved for a Target Mastercard? ›
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.
Is it hard to get a Target Mastercard? ›
It is not hard to get the Target Credit Card because you only need fair credit to qualify, which means you should have good approval odds with a credit score of 640 or higher. You also need to have a steady income, an SSN and a valid ID, which is standard.
What credit score do you need for a Target Mastercard? ›
The Target Credit Card requires fair credit or better (640+ credit score) for good approval odds. When you apply for a Target Credit Card, the issuer will also consider your income, employment status, debts, housing information, and more.
What is the difference between Target Credit Card and Target Mastercard? ›
The Target Circle Debit Card and the Target Circle™ Credit Card are "closed-loop" cards, meaning you can use them only at Target or Target.com. The Target Circle Mastercard is an open-loop credit card, meaning you can use it anywhere that takes Mastercard. You can't apply for this card directly.
How to get a Target Mastercard online? ›
Online: Visit the Target Credit Card webpage and click on the “Apply for Credit” button.
What are the odds of getting approved for a Target Credit Card? ›
Your Target Credit Card approval odds are good if you have a credit score of 640+, which is considered fair credit. Approval odds for the Target Credit Card will also be influenced by your annual income and existing debts.
What bank does Target Mastercard use? ›
TARGET MASTERCARD AND TARGET CREDIT CARD ARE ISSUED BY TD BANK USA, N.A. SUBJECT TO CREDIT APPROVAL.
Does Target still issue Mastercard? ›
When you make purchases with your Target Circle Card Account, Target Debit Card, Target Credit Card or Target™ Mastercard® (each, a “Target Circle™ Card”) at Target stores or Target.com, you will receive 30 additional days to return the purchases beyond the standard return policy applicable to each of the purchased ...
What's the easiest credit card to get? ›
The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.
The Target Credit Card credit limit is $200 to $2,000 to start, according to forum posts. The issuer does not disclose this information in the card's terms, so there's no surefire way of knowing your credit limit beforehand.
What score is needed for Walmart Mastercard? ›
You will need a credit score of at least 680 to be approved for the Walmart Rewards Mastercard. Although, it may be possible to be approved with a credit score as low as 640 if you have sufficient income. If your credit is less than ideal, you may be approved for a higher interest rate of 25.99%.
Can you withdraw money from Target Mastercard? ›
A Target Mastercard can also be used to obtain cash advances from participating automated teller machines, financial institutions, or other locations (“Cash Advance(s)”).
What is the 5 24 rule? ›
The 5/24 rule is an unofficial policy that dictates that Chase won't approve you for its cards if you've opened five or more personal credit card accounts from any issuer in the last 24 months.
Can I use my Target Mastercard at Costco? ›
Costco warehouses only accept Visa cards, but you can also use a Mastercard when shopping online at Costco.com.
Can I use my Target Mastercard everywhere? ›
Where Can I Use My Target RedCard? You can use a Target RedCard Mastercard credit card anywhere that takes Mastercard, and you can use your Target RedCard charge card or Target debit card at Target stores or on Target.com.
What credit bureau does Target use for credit cards? ›
The Target Credit Card reports to the credit bureaus once each month, within days after the end of your monthly billing period. TD Bank reports the card's credit limit, account balance, payment status, and more to TransUnion, Equifax, and Experian.
What are the benefits of Target Mastercard? ›
Target™ Mastercard ® 1% and 2% Reward: When you make a purchase with your Target Mastercard at merchants other than Target and Target.com, you earn rewards toward a Target GiftCard at a rate of 2% of eligible purchases at gas and dining merchants and 1% of eligible purchases at other merchants.
