How to pay your Target credit card
You can pay your Target credit card online through your Target account, by phone at 1-800-424-6100, by mail, or in person at any Target store. The fastest way is online — you log into your Target account, go to the credit card section, and make a one-time payment or set up automatic payments. Payments made online or by phone typically post within one business day.
Your payment is due by the date shown on your monthly statement. If you pay less than the full balance, interest charges apply to the remaining amount. You can pay any amount above the minimum due, and paying more than the minimum reduces the interest you owe.
Key Takeaways
- Online payment through your Target account is the fastest method and posts within one business day.
- You can set up automatic payments so your bill is paid on the same day each month without you having to remember.
- Payments by mail take 5 to 7 business days to reach Target, so mail your payment well before the due date.
- Paying more than the minimum due reduces the interest charges on your remaining balance.
- If you miss a payment, contact Target immediately — late fees and interest rate increases can apply after 30 days.
Paying online through your Target account
Log into your Target account at target.com or through the Target mobile app. Go to "Account" or "My Account," then select "Credit Card" or "Manage Credit Card." You will see your current balance, minimum payment due, and due date. Click "Make a Payment" to enter the amount you want to pay and confirm your bank account information.
Target accepts payments from checking or savings accounts linked to your bank. You can pay immediately or schedule a payment for a future date. If you schedule a payment, it will post on the date you choose, provided that date is before your due date. Keep a record of your confirmation number for your records.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. In your Target account credit card section, look for "Autopay" or "Automatic Payments." You choose the payment amount (minimum due, a fixed dollar amount, or the full balance each month) and the day of the month you want it to come out of your bank account.
If you set autopay to the full balance, your entire statement balance will be paid automatically each month, and you will not carry interest charges. If you set it to the minimum due, you will still owe interest on the remaining balance. You can change or cancel autopay at any time through your account.
Paying by phone or mail
To pay by phone, call Target's credit card customer service at 1-800-424-6100. A representative will ask for your account number and the amount you want to pay, then process the payment from your bank account. Phone payments post within one business day, the same as online payments.
If you pay by mail, send your payment to the address shown on your monthly statement. Write your account number on the check or money order. Mail payments take 5 to 7 business days to arrive and post, so send your payment at least 10 days before your due date to avoid a late payment. Target's mailing address may vary by region, so always use the address on your statement.
Paying in person at Target stores
You can make a payment at the customer service desk in any Target store. Bring your Target credit card or account number and the cash or debit card you want to pay with. In-store payments are processed immediately and post to your account within one business day.
This option works well if you prefer to handle money in person or if you are already at Target. However, you cannot pay with a credit card at the customer service desk — only with cash or a debit card.
What happens if you miss a payment
If your payment does not arrive by the due date, Target will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment). Your interest rate may also increase if you are 30 or more days late. After 60 days, the late payment will appear on your credit report and damage your credit score.
If you realize you will miss a due date, contact Target immediately at 1-800-424-6100. Explain your situation — some customers can negotiate a one-time waiver of the late fee or a temporary extension. The sooner you call, the more options you may have. After you miss the payment, paying it as soon as possible limits the damage to your credit.
Understanding your statement and balance
Your monthly statement shows your opening balance, all purchases and fees from the past month, the interest charged, your new balance, the minimum payment due, and the due date. The minimum payment is usually 1 to 3 percent of your balance, but it always includes any late fees or interest charges.
If you only pay the minimum, the rest of your balance carries forward to the next month and accrues interest. Target's credit card interest rate (called the APR, or annual percentage rate) varies based on your credit score and current market rates, but typically ranges from 16 to 24 percent. Paying more than the minimum due saves you money in interest over time.
Frequently Asked Questions
Can I pay my Target credit card with a different bank account?
Yes. When you make a payment online or by phone, you can enter a different checking or savings account number each time. Target will verify the account information before processing the payment. You do not have to use the same bank account for every payment.
What if I pay more than my balance?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use that credit toward your next purchase, or you can request a refund. Contact Target customer service to request a refund of the overpayment.
How do I know if my payment went through?
After you submit a payment online or by phone, you will receive a confirmation number immediately. Check your Target account a few hours later — the payment should show as "pending" or "posted." If you do not see it within 24 hours, call customer service to confirm it was received.
Can I pay my Target credit card bill at a Target store using a credit card?
No. At the customer service desk, you can only pay with cash or a debit card. To pay with a credit card, use the online portal, call customer service, or set up autopay from your bank account.
What is the difference between the due date and the statement date?
The statement date is when Target closes your monthly account and calculates what you owe. The due date is when your payment must arrive to avoid a late fee — usually 21 to 25 days after the statement date. Purchases made after the statement date appear on your next month's statement.