Where to pay your Target RedCard bill

You can pay your Target RedCard bill online through Target's website or the Target mobile app. Both routes take you to the same payment system and process your payment the same day if you submit it before the cutoff time — usually 8 p.m. Eastern time on business days.

You can also pay by phone by calling the number on the back of your card, or by mail by sending a check to the address printed on your monthly statement. Online and phone payments are faster and leave a record you can retrieve later, which matters if there is ever a dispute about whether the payment arrived.

Key Takeaways

  • Log into your Target account on the website or app, go to the RedCard section, and select "Make a Payment" to pay online.
  • You can pay the full balance, the minimum payment, or any amount in between, and the payment posts the same business day if submitted before the cutoff.
  • Payments made online leave an instant confirmation number you should save in case you need proof the payment was received.
  • If you miss a payment deadline, Target charges a late fee and reports the missed payment to credit bureaus, which can lower your credit score.
  • You can set up automatic monthly payments so the same amount withdraws from your bank account on the same date each month.

Steps to pay online through Target's website

Go to Target.com and sign into your account using your email address and password. If you do not have a Target account, you will need to create one before you can access your RedCard payment page. Once you are logged in, look for the account menu — usually in the top right corner — and select "RedCard" or "Credit Card Account".

On the RedCard page, you will see your current balance, minimum payment due, and the due date. Select the option to make a payment. You will be asked how much you want to pay: you can enter the full balance, the minimum payment shown on your statement, or any amount between the minimum and the full balance. Enter the amount and select your payment method — you can pay from a checking or savings account, or use a debit card.

Review the payment details to confirm the amount and the account it will come from, then submit. Target will show you a confirmation number immediately. Write this down or take a screenshot — you will need it if you ever need to prove the payment was made.

Paying through the Target mobile app

Open the Target app and tap the account icon in the bottom right corner. Sign in if you are not already logged in. Tap "RedCard" or "Credit Card" from the menu options.

The app shows the same information as the website: your balance, minimum payment, and due date. Tap "Make a Payment" and enter the amount you want to pay. Select your payment method and review the details. Once you confirm, the app will display a confirmation number. Save this number by taking a screenshot or writing it down.

What happens if you pay late or miss a payment

If your payment does not arrive by the due date shown on your statement, Target charges a late fee. The amount of the late fee depends on your balance and your account history, but it is typically between $25 and $40. The late fee is added to your balance, so you owe more the next month.

More importantly, a missed payment is reported to the three major credit bureaus — Equifax, Experian, and TransUnion — within 30 days. This report stays on your credit report for seven years and can lower your credit score by 100 points or more, depending on how much you owe and how late the payment is. A lower credit score makes it harder and more expensive to borrow money for a car, a home, or anything else that requires a credit check.

If you know you will miss a payment, call the number on the back of your card and ask about a hardship program or a payment plan. Target may be willing to waive the late fee or give you extra time if you explain your situation before the due date passes.

Setting up automatic payments

If you want to stop thinking about your RedCard payment each month, you can set up automatic payments through Target's website or app. Go to your RedCard account page, look for "Automatic Payments" or "Recurring Payments", and select the option to set one up.

You will choose the amount — the full balance, the minimum payment, or a fixed amount you decide — and the date each month when the payment should be withdrawn from your bank account. The payment will process automatically on that date, and you will receive a confirmation email. You can change or cancel the automatic payment at any time by logging back into your account.

Automatic payments are useful if you tend to forget deadlines, but they only work if you have enough money in your bank account on the payment date. If the account does not have enough funds, the payment will fail and you may be charged an overdraft fee by your bank in addition to a late fee from Target.

Payment timing and when the money leaves your account

When you submit a payment online before the cutoff time on a business day, Target processes it the same day. The money is deducted from your bank account within one to three business days, depending on your bank. The payment counts as received on the day you submitted it, not the day the money actually leaves your account, so you will not be charged a late fee as long as you submit before the due date.

If you submit a payment after the cutoff time or on a weekend or holiday, it will be processed the next business day. This matters if your due date falls on a Friday or Monday — submit by Thursday to be safe. If you are paying by mail, the post office date on the envelope counts as the submission date, so mail your check at least five business days before the due date to account for mail delivery time.

Troubleshooting payment problems

If you submitted a payment online but did not receive a confirmation number, the payment may not have gone through. Log back into your RedCard account and check whether the payment appears in your transaction history. If it does not, try submitting the payment again. If it does appear, wait one to three business days for the money to leave your bank account and the balance to update.

If you see a payment in your transaction history but your RedCard balance has not changed after three business days, call the number on the back of your card and ask about the payment. Have your confirmation number ready. Target's customer service can look up the payment and tell you whether it is still processing or whether something went wrong.

If you were charged a late fee but you submitted your payment on time, call Target and explain what happened. Bring your confirmation number and the date you submitted the payment. Target may reverse the fee if you can show that you paid before the deadline.

Frequently Asked Questions

Can I pay my Target RedCard with a credit card?

No. Target only accepts payments from a checking or savings account, or a debit card. You cannot pay your RedCard bill with another credit card. This is true for most credit card companies — they do not accept credit card payments because it would let people borrow indefinitely without actually paying down debt.

What if I pay more than the balance I owe?

If you submit a payment larger than your balance, Target will credit the extra amount to your account. You can use that credit toward future purchases, or you can request a refund. To request a refund, call the number on the back of your card and ask them to send the overpayment back to your bank account.

Is there a fee to pay online?

No. Target does not charge a fee for online payments, phone payments, or automatic payments. You only pay a fee if you miss a payment deadline. Some banks may charge a fee if you use their bill-pay service to send a check on your behalf, but that is your bank's fee, not Target's.

How do I know if my payment was received?

When you submit a payment online, Target shows a confirmation number immediately. Save this number. You can also log back into your RedCard account anytime to see your payment history and check whether a payment has posted. Your monthly statement will also show all payments received during that billing period.

Can I pay my bill before the due date?

Yes. You can pay your RedCard bill anytime — there is no penalty for paying early. In fact, paying early reduces the amount of interest you owe if you carry a balance from month to month. If you pay the full balance before the due date, you will not be charged any interest.