Where to pay your Target credit card bill

You can pay your Target credit card through the Target website, the Target mobile app, or by mailing a check. The online method is fastest — payments typically post within one business day. If you pay by mail, allow 7 to 10 business days for the payment to reach Target and be recorded on your account.

Target's credit card is issued by Synchrony Bank, but you do not contact Synchrony directly to make payments. All payments go through Target's payment portal, whether you use the website, the app, or the mail. This keeps everything in one place with your Target account.

Key Takeaways

  • Log into your Target account on the website or app, go to the credit card section, and enter your payment amount and method — online payments post within one business day.
  • You can pay with a bank account (ACH transfer) or a debit card; credit card payments are not accepted for security reasons.
  • If you mail a check, write your account number on it and send it to the address printed on your monthly statement or billing notice.
  • Setting up automatic payments through your bank or Target's portal prevents missed payments and late fees.
  • Your minimum payment and due date appear on your monthly statement and in your Target account online.

Paying online through Target's website

Go to Target.com and sign into your account with your username and password. Click on your account icon or profile menu, then select "Credit Card" or "Manage Credit Card." You should see a section for making a payment.

Enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Choose your payment method — you can use a linked bank account (ACH) or a debit card. Target does not accept credit card payments for security reasons. Review the details and confirm the payment. The transaction will process immediately, and you should see it reflected in your account within one business day.

Paying through the Target mobile app

Open the Target app and sign in. Tap the account or profile icon at the bottom of the screen. Select "Credit Card" or "Manage Your Card," then look for the payment option.

The process is the same as the website: enter your payment amount, choose your payment method (bank account or debit card), and confirm. Mobile payments process on the same timeline as website payments — typically one business day.

Paying by mail

Write a check for the amount you want to pay. On the memo line or the back of the check, write your Target credit card account number so the payment is applied correctly. Do not send cash.

The mailing address is printed on your monthly statement or billing notice. Mail the check at least 10 days before your due date to account for postal delays. Synchrony Bank processes mailed payments, and it can take 7 to 10 business days from the time they receive it for the payment to post to your account. If you are close to your due date, paying online is safer because it posts faster.

Setting up automatic payments

You can set up automatic payments through Target's website or app so you never miss a due date. During the payment process, look for an option to "Make this a recurring payment" or "Set up automatic payments." Choose whether you want to pay your full balance, your minimum payment, or a fixed amount each month, and select the date the payment should process.

Automatic payments pull from your bank account on the date you choose. If you change your mind, you can cancel or modify the recurring payment anytime through your Target account. Keep in mind that automatic payments do not adjust if your balance changes — if you set it to pay $50 and your minimum is $75, you will still only pay $50 unless you update it.

What to do if your payment does not post

If you made an online payment and it has been more than two business days, log into your Target account and check the payment status. The transaction should show as "Pending" or "Completed." If it shows as failed, you may need to try again with a different payment method.

If you mailed a check and more than 10 business days have passed, contact Target's customer service at the number on your statement. Have your account number and the check amount ready. They can look up whether the payment was received and help you track it down if it was lost in the mail.

Understanding your billing cycle and due date

Your Target credit card statement closes on a set date each month — this is your billing cycle end date. Your payment is due about 21 to 25 days after that, depending on your account. The exact due date is printed on your statement and shown in your online account.

Payments made after your due date may be reported as late to credit bureaus and can trigger a late fee. Even if you are paying late, make the payment as soon as you can — the sooner you pay, the less interest you owe. If you are having trouble making your payment, contact Synchrony Bank or Target customer service to discuss your options.

Frequently Asked Questions

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

No. Target and Synchrony Bank only accept payments from bank accounts (ACH transfers) or debit cards. Credit card payments are not allowed because they create processing fees and fraud risks. You must use a linked bank account or debit card.

What if I pay more than my balance?

If you overpay, the extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund by contacting Target customer service. Refunds typically take 5 to 7 business days to appear in your bank account.

Do I have to pay my full balance every month?

No. You can pay any amount from your minimum payment up to your full balance. However, if you carry a balance, you will be charged interest on the remaining amount. Paying your full balance each month avoids interest charges entirely.

What happens if I miss my payment due date?

A late payment can result in a late fee and may be reported to credit bureaus, which can lower your credit score. Pay as soon as you realize you missed the date. If you are frequently late, set up automatic payments or set a phone reminder a few days before your due date.

Is there a phone number to call and pay by phone?

Target does not offer phone-based payments for security reasons. You must pay online, through the app, or by mail. If you have questions about your account or need help with the payment process, you can call the number on your statement to speak with customer service.