What credit score do you need for a Target® credit card?

A Target® credit card (also known as the RedCard™) is a store credit card that you can use at any Target location in-store and online. The RedCard offers 5% savings at Target and Target.com, no annual fees, free two-day shipping, and an additional 30 days for returns and exchanges. 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.

It would be advisable to build your credit score up to at least 690 or above to increase your chances of approval and lower interest rates as that falls under the good FICO Score range. Apart from this, you need to present proof of the following: social security number, a stable employment history, a good debt-to-income ratio, being 18 years of age or older, and residing in the US.