How to pay your Target bill or balance

You can pay a Target bill or credit card balance online through your Target account, by phone, by mail, or in person at a Target store. The method you choose depends on how quickly you need the payment processed and whether you have your account number handy. Most payments made online or by phone post within one business day.

Target accepts payments for Target Circle Card balances, Target Mastercard balances, and other Target credit products. If you have a store credit card or a co-branded Mastercard issued by Target, the payment process is the same regardless of which one you carry.

Key Takeaways

  • Online payments through your Target account or the Target app are the fastest and most convenient option, posting within one business day.
  • Phone payments can be made by calling the customer service number on the back of your card, and you will need your account number and payment amount ready.
  • Mail payments should be sent to the address listed on your bill statement, and you should allow 7 to 10 business days for processing.
  • In-store payments at a Target location require your account number or card and can be made at the guest services desk.

Paying online through your Target account

Log into your Target account on the Target website or open the Target app on your phone. Go to the "Account" or "Wallet" section and select "Make a Payment" or "Pay Your Bill." You will see your current balance and the minimum payment due, along with the due date.

Enter the amount you want to pay and choose your payment method — you can use a bank account (checking or savings) or another credit card. Review the payment details to confirm the amount and due date, then submit. Target will show you a confirmation number immediately, and the payment will post to your account within one business day.

If you set up automatic payments through your Target account, you can choose to pay the full balance, the minimum payment, or a fixed amount each month on a date you select. Automatic payments reduce the risk of missing a due date and incurring late fees.

Paying by phone

Call the customer service number printed on the back of your Target credit card. Have your account number, the amount you want to pay, and your preferred payment method (bank account or another card) ready before you call.

A representative will walk you through the payment process and confirm the details before processing. Phone payments are typically posted within one business day. If you call after business hours, you may be able to leave a message or use an automated system, depending on the time you call.

Paying by mail

Write a check or money order payable to Target and include a payment stub from your bill statement if you have one. If you do not have a stub, write your account number on the check so Target can match the payment to your account.

Mail your payment to the address shown on your bill statement — this address is specific to the payment processing center and differs from Target store locations. Allow 7 to 10 business days for your payment to arrive and post to your account. If you are close to your due date, mail is the slowest option and may result in a late fee if the payment does not arrive by the due date.

Paying in person at a Target store

Visit the guest services desk at any Target location with your credit card or your account number. Tell the associate you want to make a payment on your Target credit card account. You can pay with cash, a debit card, or another credit card.

The associate will process your payment and give you a receipt showing the amount paid and your new balance. In-store payments typically post within one to two business days. This option works well if you prefer to handle payments face-to-face or if you are already shopping at Target.

What to do if you miss a payment or have a late balance

If your payment does not arrive by the due date, Target will charge a late fee and may report the missed payment to credit bureaus, which can lower your credit score. If you realize you will miss a due date, contact Target customer service as soon as possible — sometimes they can work with you to adjust the due date or waive a single late fee if you have a good payment history.

If you have already missed a payment, make a payment as soon as you can to stop additional fees from accumulating. The sooner you bring your account current, the less damage to your credit report. Late payments stay on your credit report for seven years, but their impact decreases over time as you make on-time payments going forward.

Setting up automatic payments to avoid missed deadlines

Automatic payments remove the guesswork and reduce the chance of forgetting a due date. Through your Target account, you can set up recurring payments that deduct money from your bank account on a date you choose each month. You can change the payment amount or pause automatic payments at any time.

Choose whether you want to pay your full balance, your minimum payment, or a fixed amount each month. If you choose to pay only the minimum, you will pay interest on the remaining balance, but your account will stay in good standing. If you choose to pay the full balance, you will avoid interest charges entirely.

Frequently Asked Questions

How long does it take for a Target payment to show up in my account?

Online and phone payments typically post within one business day. Mail payments take 7 to 10 business days to arrive and process. In-store payments usually post within one to two business days. The exact timing depends on when you make the payment and the processing center's schedule.

Can I pay my Target bill with a different payment method each time?

Yes. You can use a bank account, debit card, or credit card each time you make a payment, whether you pay online, by phone, or in person. You are not locked into one payment method. Just make sure the payment method you choose has sufficient funds or available credit.

What happens if I pay more than my balance?

If you overpay, Target will hold the extra amount as a credit on your account. You can use that credit toward future purchases or request a refund. Contact Target customer service to request a refund if you prefer to receive the money back rather than keep it as a credit.

Is there a fee to make a payment at Target?

No. Target does not charge a fee for making a payment through any method — online, phone, mail, or in person. However, if your payment arrives after the due date, you will be charged a late fee as outlined in your cardholder agreement.

Can I make a payment if I do not have my card with me?

Yes. You can pay online or by phone using just your account number, which is printed on your bill statement. In-store, you can provide your account number at the guest services desk instead of your physical card. Online and by phone are the easiest options if you do not have your card available.