Had it for years. Never had a problem. Answer from Mustered_Amusement on reddit.com
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Target
target.com › circlecard › debit-card-application
debit card
skip to main contentskip to footer · ¬circle™ · Target Circle trademark · debit card · Footer
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Target
target.com › circlecard › debit-card-complete
Target Circle™️ Card: Debit Card Complete
Save 5% every day at Target with the Target Circle™️ Card. Discover all the Target Circle™️ Card benefits and apply online today to save on your Target purchases.
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Target
target.com › circlecard
Target Circle™️ Card: Save 5% at Target
Need to pay your bill or manage your card?Visit the card management site. Go to credit or debit card siteGo to reloadable card site
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PrintFriendly
printfriendly.com › document › target-debit-card-application-instructions
Target Debit Card Application Instructions
To submit your application for the Target Debit Card, send the completed form along with a voided check to Target Corporation, ATTN: Application Processing, P.O. Box 5332, Sioux Falls, SD 57117-5332.
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Target
digitalcontent.target.com › vault › 1710824400 › CLOUD_660a944d-f097-4761-91ee-30097a51a0cc.pdf pdf
DRIVER’S LICENSE/ID NUMBER * Please include all special characters and spaces.
you have handled the Target Debit Card to consumer reporting agencies. You should read the Card Agreement for complete terms and conditions of the Target Debit Card. This application must be postmarked by December 31, 2024
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Reddit
reddit.com › r/frugal › target red debit card reviews?
r/Frugal on Reddit: Target Red Debit Card reviews?
March 2, 2023 -

Has anyone used the Target Red Card, debit version? I'm intrigued by the fact that it's benefit is 5% off at Target, no fees and it's not a credit card since I hate debt. They claim that it is tied to your existing checking, just like your normal debit card. Was thinking of signing up but was wondering if anyone had used it in the past and could give me a quick review/rating? Thanks!

Top answer
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Had it for years. Never had a problem.
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I used to work at target! I had the debit card before I started working there and (knock on wood) never had an issue with it. Before the next bits, I want to state I no longer work for target and the reason this is gonna sound like an ad is cause that’s how we were trained to talk about it to guests 🤣 but I honestly and sincerely use the app and card to get deals. Honestly it’s not bad to have on hand even for small and sporadic purchases. Though it might not be super worth it to most unless you shop there often or have a large purchase planned. It can take up to 4 days for the purchase to come out of your account, so if you had several purchases, that can get annoying. I haven’t had to dispute anything on it so I can’t tell you how that goes. Also when you get a gift card with your purchase, the way the transaction gets debited is weird as it makes it look like you were charged for the gift card, but I assure you you’re not. The way it shows up, for example, say you bought 20 bucks of stuff and got a 5 dollar gift card. The transaction will show up as two debits. One for 15 and one for 5. It totals the 20 you spent but that’s how they keep track of gift cards given out with purchase. I’ve always hated it, but it is what it is. I do recommend downloading the Circle app if you do decide to get it. You can add it to the app so you don’t even have to remember the card to shop. ( So long as that doesn’t make it easy to mindlessly shop of course) And, the most important part, is that you can stack coupons from the app and they have several promotions per sale week that are only available on the app. And if you search an item while in store and it’s cheaper on the app, target will price match to that price. I got a 50 dollar hdmi cord for 15 bucks thanks to that. I know you mostly asked about the debit card but I wanted to add the app info since those two compounded can help find some good deals overall. Mileage may vary based on locations of course, but overall I’ve found that even though it’s only 5 percent off I’d still rather have it and save whatever I can if I’m gonna make the purchase anyway and I’ll just plan for the time it takes for the transactions to come out. Now that I’ve written a novel 🤣 I hope this helps!
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Target
target.com › circlecard › thank-you
Target Circle™️ Card: Thank You
Your application has been received and will be reviewed. You’ll receive an update by mail in 7-10 business days. In the meantime, check out the latest Target Circle™ deals and explore more you can enjoy as a member!Explore Target Circle™ deals · Please review our privacy policy. Credit card rates & fees Debit card agreements & fees Target Circle™ Card Reloadable Account agreements & fees
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Targetcu
targetcu.org › resources › communication › debit
Target CU | Visa Debit Card
Step 2 Select your device, read and agree to the Term & Conditions, and verify your card. Step 3 Success! You can now pay online, in stores, and on apps. Skip the wallet and hold your phone or smartwatch near the payment reader to complete your transaction. We can help! Call 800-388-7000 for immediate support. Standard daily Debit card limits include $1,210 at the ATM, $2,000 using your PIN, and $10,000 with a signature.
Find elsewhere
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Quora
quora.com › How-does-the-Target-debit-card-work
How does the Target debit card work? - Quora
Answer (1 of 2): The Target RedCard Debit Card is linked to your bank account. Once you use the card to pay for your target run, it will be debited from your bank account the next day.
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Reddit
reddit.com › r/target › apply for redcard online or in-store?
r/Target on Reddit: Apply for REDcard online or in-store?
August 29, 2020 -

I’ve been wanting to order stuff from Target recently (well, throughout the course of the pandemic...) but the $35 minimum to get free shipping is tough to work around.

I always told cashiers no whenever they asked me to apply for the REDcard, but now I’m actually interested.

Do cashiers get a material financial reward when someone applies for the REDcard through them? I’m debating whether I should just apply online or in-store. Approval shouldn’t be a problem given my credit history.

I’m in no rush for the card, but I also won’t be going to a Target in-person any time soon. But if I’m going to apply for a card anyway, it would be great if that went a long way for some cashier working hard or at the least make his or her day.

Separate question, do I need to have my physical card to pay in-store or can the cashier look me up?

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Finder
finder.com › www.finder.com › bank accounts › what is a debit card?
Target REDcard Debit Card review
February 20, 2024 - Debit cards can be swiped, tapped or inserted into point-of-sale (POS) terminals to make purchases. You can also use your debit card at an ATM to withdraw money or check your balance, make online purchases, pay bills and much more.
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Join Kudos
joinkudos.com › blog › why-apply-for-target-redcard-exclusive-benefits-explained
Target RedCard 101: The Ultimate Guide (Must-Read)
You can apply online at Target.com or in-store at any Target location. To qualify for the best credit card offer, you'll generally need a credit score in the good to excellent range (670+), although some applicants with lower scores may be approved ...
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The Break Room
thebreakroom.org › target › general
Check free in-store Debit Red card application coming soon? | The Break Room
September 16, 2021 - Any ACH clearings that arent recognized could still be disputed with your bank for potential fraud. Many other retailers let you signup for store cards directly in their mobile app. The fact that Target doesn't have this baffles me. ... I don't know the best way to link their checking acct. to the application without guests having to input routing/acct.
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Reddit
reddit.com › r/target › what is the benefit of target debit card?
r/Target on Reddit: What is the benefit of Target debit card?
November 17, 2024 -

Can someone explain this to me like I am a 5 year old? A worker at Target today was telling me that Target offers a DEBIT card as well as their credit card. She said the debit card links to your bank account so it’s basically the same as your regular card, but now you get 5% off and a $50 gift card for signing up. There’s gotta be a catch right? How is Target benefiting from this at all? Am I going to get screwed somehow?

Top answer
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Target benefits because they don't have to pay transaction fees on their own cards. There isn't really any downside except carrying another card around
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The Target Red Card debit card is a “debit card” that allows Target to pull money directly from your account without charging them a fee via the ACH network. From a payment standpoint, it’s basically like a digital, reusable check that can only be used at Target. Because it saves Target a large amount of money and increases customer loyalty, they make it so that it’s pretty much nothing but benefit. With that said, there are a few things to know: First, as far as your bank is concerned, it’s no different from writing Target a check every time you use it. That means that it will take a few business days for the purchase to show up on your bank statement, and in the worst case, purchasing something late Friday evening, your transaction likely won’t show up until the following Tuesday night/Wednesday morning. Also as a result of the card basically being the digital version of a check, if you don’t have enough money to cover your purchase in your account, the card will not decline, and you’ll instead be faced with a $30 returned payment fee along with whatever fees your bank adds on. It’s basically the same as bouncing a check. But as long as you don’t mind keeping track of your target purchases and knowing that they’re gonna take a few days to go through, and are careful that you don’t spend money you don’t have, then you’re fine and it’s an easy way to save some money.
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Target
target.com › circlecard › debit-card-agreement
Target Debit Card Agreement & Error Resolution Notice
• As otherwise provided in our Privacy Policy. You agree to our collection, use, and sharing of information about your EFTs as provided in the Target Debit Card Privacy Policy ("Privacy Policy"), which is included as part of this Agreement. 11. APPLICATION OF PAYMENTS
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JustAnswer
justanswer.com › software › nts8m-open-debit-card-target-no-just.html
Would like to open a debit card with Target. No would just like a debit card instead of credit card
You will need to provide your personal information, including your name, email, phone number, and address, along with your bank account details, such as your routing number and account number. Additionally, you must agree to the terms and conditions of the Target debit card agreement. After submitting your application, you will receive an email confirmation and a temporary card number that can be used until the physical card arrives in the mail.
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Investopedia
investopedia.com › articles › investing › 030916 › target-red-card-what-you-need-know-tgt.asp
Target's Circle Card: What You Need to Know
May 13, 2025 - You can use your Target Circle reloadable card anywhere that accepts Visa. The Target Circle program store debit card and store credit card can be used only at Target stores or on Target.com.
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Target
target.com › circlecard › engagement
Target Circle™ Card
skip to main contentskip to footer · Target Circle™Target Circle™ CardTarget Circle 360™Registry & Wish ListWeekly AdFind Stores · Categories · Deals · New & featured · Pickup & delivery · Footer
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FinanceBuzz
financebuzz.com › credit cards › cash back credit cards › is the target circle card right for you in 2026?
Target Circle Card: 12 Questions To Quickly Decide If It’s Right For You
June 5, 2019 - They pull funds from a checking ... You can apply for the Target Circle credit card or Target Mastercard online or by completing an application in ......