RedCard is Target's flagship program, and it has been around for over a decade. It requires you to either open a credit line or connect a bank account to a Target debit card. In exchange, you get a flat 5% off nearly all purchases and free two-day shipping on most items - without any extra work on your part.

The Target Credit Card is worth it for frequent Target customers with at least fair credit, as it provides a 5% discount at Target, in-store and online. The card also has a $0 annual fee and provides perks such as free shipping from Target.com and an extra 30 days to return any Target purchase.

Although they're commonly confused, Target RedCard is a credit card that allows members to get free expedited shipping, as well as 5% cashback on Target purchases and other benefits. Target Circle, on the other hand, is not a credit card–it's simply a free rewards program with exclusive perks.

The Target credit card is easier to qualify for than most rewards credit cards, so it could be a solid option if you have fair or limited credit history. Your payment history will be reported to credit bureaus, giving you the opportunity to improve your credit score if you responsibly pay your bill.

The Target RedCard offers a 5% discount on purchases at Target, no annual fee, and an extra 30 days for returns and exchanges.

Card Summary Designed for frequent Target shoppers, the Target REDcard™ charges no annual fee and offers cardholders a 5% discount on select purchases at Target stores and on Target.com. Cardholders receive free two-day shipping on eligible items from Target.com and 30 extra days to return or exchange purchases.

The limits below are:

• Maximum balance: $250,000 per account.
• ACH: $10,000 per day.
• Direct deposit: $ 10,000 per day.
• Cash loads: $2500 per day, $5000 per month.
• Remote check capture: $2500 per day, $5000 per month.

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.

Designed for frequent Target shoppers, the Target REDcard™ charges no annual fee and offers cardholders a 5% discount on select purchases at Target stores and on Target.com. Cardholders receive free two-day shipping on eligible items from Target.com and 30 extra days to return or exchange purchases.

The Target REDcard Debit Card and the Target REDcard™ Credit Card are "closed-loop" cards, meaning you can use them only at Target or Target.com. The Target REDcard Mastercard is an open-loop credit card, meaning you can use it anywhere that takes Mastercard.

Target REDcard™ Credit Card: Basics Ongoing rewards: 5% discount on all eligible Target purchases. Annual fee: $0.

Target's RedCard comes in three forms: a Mastercard (open loop card), an in-store-only credit card, or a debit card. The debit card is linked to customers' existing checking accounts, and for the credit card, users can charge in-store purchases or buy online with the credit card at Target.com.