Where to pay your Target bill
You can pay your Target bill through three main routes: the Target website or mobile app, by phone, or by mailing a check. Most people use the website or app because you see your balance when ready and can set up automatic payments. If you prefer not to use digital payment, Target also accepts payments by phone and mail, though both take longer to process.
Target bills typically come from a Target Credit Card or a Target Debit Card. The payment method depends on which card you hold. Both cards send you a statement each month showing what you owe and when payment is due.
Key Takeaways
- You can pay online through Target.com or the Target app by logging into your account and selecting "Pay Bill" — this is the fastest way to see your balance update.
- Automatic payments can be set up through your Target account and will deduct money on a date you choose each month, so you never miss a due date.
- Mailing a check takes 7 to 10 business days to reach Target's payment processing center, so send it at least two weeks before your due date to avoid a late payment.
- Paying by phone requires calling the number on the back of your Target card; a representative will take your payment information and confirm the transaction when ready.
- Late payments typically result in interest charges and may affect your credit score, so setting up automatic payment removes that risk.
Paying online through Target.com or the mobile app
Log into your Target account on Target.com or open the Target mobile app and tap the account icon. Select "Manage Credit Card" or "Manage Debit Card" depending on which card you hold. You will see your current balance, due date, and a "Pay Bill" button.
Click or tap "Pay Bill" and enter the amount you want to pay. Target will ask whether you want to pay the full balance, the minimum payment, or a custom amount. Choose your payment method — you can pay from a checking or savings account linked to your Target account, or use another debit or credit card. Review the details and confirm. The payment processes when ready, though it may take one to two business days to show on your statement.
If you do not have a Target account yet, you can create one using your email address and the card number from your statement. You will need to verify your identity by answering security questions or entering a code sent to your email.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Target account, go to "Manage Credit Card" or "Manage Debit Card," and look for "Autopay" or "Automatic Payments." Select the option to turn autopay on.
Target will ask you to choose a payment date and an amount. You can set it to pay the full balance, the minimum payment, or a fixed amount each month. The payment will be deducted automatically from the bank account or card you link to your Target account. You can change or cancel autopay at any time through your account settings.
If your balance varies month to month, paying the full balance automatically ensures you never carry a balance forward and accrue interest. If you prefer to pay a fixed amount, make sure it is at least the minimum payment shown on your statement, or you will still be charged a late fee.
Paying by mail
Your Target statement includes a payment stub and a mailing address. Write a check for the amount you want to pay, write your account number on the check, and mail it to the address printed on your statement. Do not mail cash.
Mail payments take 7 to 10 business days to arrive at Target's payment processing center. Target considers a payment late if it arrives after your due date, even if you mailed it on time. To be safe, mail your payment at least two weeks before the due date. Keep a copy of the check or take a photo of it for your records.
If you do not have your statement, you can find the mailing address by logging into your Target account and viewing your bill online, or by calling the number on the back of your Target card.
Paying by phone
Call the phone number printed on the back of your Target card. A representative will verify your identity by asking for your card number, date of birth, or other security information. Tell them you want to make a payment and provide the amount.
The representative will ask how you want to pay — usually from a checking or savings account. Provide your bank routing number and account number, or use a debit or credit card. The representative will confirm the payment amount, date, and method before processing. Phone payments are processed when ready, though they may take one to two business days to show on your statement.
Phone payments are useful if you do not have internet access or prefer to speak with someone, but they take longer than online payment and you cannot set up automatic payments this way.
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 depending on your card agreement, but late fees typically range from $25 to $40 for the first late payment. If you continue to miss payments, additional fees may explore and your interest rate may increase.
Missed payments also report to credit bureaus and can lower your credit score. Even one late payment can stay on your credit report for up to seven years. If you know you will miss a due date, contact Target when ready — sometimes they can work with you on a payment plan or waive a fee if it is your first late payment.
Frequently Asked Questions
How long does it take for an online payment to show on my account?
Online payments process when ready, but it may take one to two business days for the payment to appear on your statement and reduce your balance. If you are paying close to your due date, make sure to account for this delay.
Can I pay my Target bill with a different payment method each month?
Yes. Each time you pay online or by phone, you can choose a different bank account or card to pay from. If you set up automatic payments, the payment method stays the same unless you change it in your account settings.
What if I want to pay more than the minimum?
You can pay any amount up to your full balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. You can do this online, by phone, or by mail.
Is there a fee to pay my Target bill online?
No. Target does not charge a fee for online payments, automatic payments, or phone payments. Mailing a check costs only the price of a stamp.
What if I overpay my Target bill?
If you pay more than you owe, Target will hold the extra amount as a credit on your account. You can use this credit toward future purchases or request a refund by contacting Target customer service.