How to pay your Target credit card

You can pay your Target credit card through Target's website, the Target mobile app, by phone, by mail, or in person at a Target store. The fastest way is online or through the app — payments post the same business day if you submit them before the payment deadline. If you pay by phone or mail, allow extra time for processing.

Target's credit card is issued by Synchrony Bank, so you're actually paying Synchrony, not Target directly. This matters because the payment address and account number come from Synchrony, not from Target's main customer service line. Knowing which company to contact prevents delays when you have questions about your account.

Key Takeaways

  • Online and app payments post the same business day if submitted before your payment deadline, while mail and phone payments take several business days to process.
  • Your Target credit card is managed by Synchrony Bank, so you'll contact Synchrony for account questions, payment arrangements, or billing disputes.
  • The minimum payment is due by the date shown on your statement, and paying only the minimum means you'll pay interest on the remaining balance.
  • Late payments trigger a fee and can raise your interest rate, so setting up automatic payments or calendar reminders helps you stay on schedule.

Paying online or through the Target app

Log into your Target account on the website or open the Target app, then navigate to your credit card account section. You'll see your current balance, minimum payment due, and payment deadline. Enter the amount you want to pay and confirm the payment method — you can use a bank account or debit card.

Payments submitted before your statement's payment deadline post the same business day. If you submit after the deadline, the payment may not post until the next business day, which could result in a late fee. Target's website shows you the exact time cutoff for same-day posting.

Paying by phone or mail

Call Synchrony at the number on the back of your Target credit card to make a payment over the phone. Have your account number and the amount you want to pay ready. Phone payments typically post within one to three business days, depending on when you call and Synchrony's processing schedule.

To pay by mail, send a check or money order to the address printed on your statement. Write your account number on the check. Mail payments take seven to ten business days to reach Synchrony and post to your account, so send payment well before your due date to avoid a late fee.

Paying in person at Target

You can make a payment at the customer service desk inside any Target store using cash, a debit card, or another payment method. The cashier will process your payment and give you a receipt. In-store payments typically post to your account within one to two business days.

In-store payment is useful if you're already at Target and want to pay immediately, but it's slower than online payment. If your payment deadline is the next day, paying online or by phone is safer because it posts faster.

Setting up automatic payments

Automatic payments remove the risk of forgetting a due date. Log into your Synchrony account online or call Synchrony to set up autopay. You can choose to pay your full statement balance, a fixed amount, or just the minimum payment each month.

Most people set autopay to pay the full balance on the due date, which avoids interest charges. If you can't pay the full balance, autopay for at least the minimum payment ensures you won't be late. You can change or cancel autopay anytime, and Synchrony will send you a confirmation.

Understanding payment deadlines and late fees

Your payment deadline appears on your monthly statement. Payments received after that date are considered late. A late payment triggers a late fee (the amount varies but is typically $25 to $40) and may raise your interest rate on future purchases.

If you miss a payment, contact Synchrony as soon as possible. Depending on how late the payment is and your account history, Synchrony may waive a first late fee or work out a payment plan. The sooner you contact them, the more options you may have.

What happens if you can't pay in full

If you can only pay part of your balance, pay at least the minimum payment by the due date to avoid a late fee. The remaining balance carries over to the next month and accrues interest at your card's annual percentage rate (APR). Your statement shows both the minimum payment and the interest rate so you know what you're paying.

If you're struggling to pay, contact Synchrony before your payment is due. Some cardholders can negotiate a temporary lower payment or a payment plan. Synchrony is more likely to work with you if you reach out before you miss a payment than after.

Frequently Asked Questions

How do I know if my payment posted?

Log into your Target or Synchrony account online to see your current balance and recent payment history. Online and app payments show as posted within hours of submission. Mail and phone payments may take several business days to appear in your account.

Can I pay my Target credit card with another credit card?

No, Synchrony does not accept credit card payments for your Target card balance. You can pay with a bank account, debit card, cash (in store), check, or money order. Paying with another credit card would create a cash advance, which carries higher fees and interest rates.

What if I pay more than I owe?

If you overpay, the extra amount becomes a credit on your account. Synchrony will apply it to your next statement's balance. If you want a refund of the overpayment instead, contact Synchrony and request one.

Is there a fee to pay my Target credit card?

No, there is no fee to make a payment through any method — online, app, phone, mail, or in store. Synchrony does not charge for payments themselves, though late fees apply if you miss your due date.

Can I change my payment due date?

Yes, you can request a different due date by contacting Synchrony online or by phone. Synchrony typically allows you to move your due date to a different day of the month. This can help you align your payment with your paycheck or other bills.