Where to log in and what you'll see

Target card payments are managed through Synchrony Financial, the bank that issues the Target RedCard. You do not log in through Target.com. Instead, you go directly to Synchrony's cardholder portal at mysynchrony.com or use the Synchrony mobile app (available on iOS and Android).

When you log in with your username and password, you land on a dashboard showing your current balance, available credit, recent transactions, and your payment due date. From there you can make a one-time payment, set up automatic payments, view your statement, update your contact information, or read transaction history.

If you have never logged in before, you will need to register first. Go to mysynchrony.com and select "Enroll Now" or "Register" — the exact wording changes occasionally, but the link is always visible on the login page. You will need your Target RedCard number, Social Security number, and date of birth to set up your account.

Key Takeaways

  • Target RedCard payments are managed by Synchrony Financial at mysynchrony.com, not through Target's website.
  • First-time users must register with their card number, Social Security number, and date of birth before they can log in.
  • Once logged in, you can pay your balance, set up automatic payments, and view your statement and transaction history.
  • If you forget your password, use the "Forgot Password" link on the login page — Synchrony will send a reset link to your registered email address.
  • You can also call Synchrony's customer service at the number on the back of your Target RedCard to make a payment by phone without logging in.

Setting up your first login

The registration process takes about five minutes. Start at mysynchrony.com and look for the enrollment option on the login page. You will be asked to enter your Target RedCard number (the 16-digit number on the front of your card), your full name as it appears on the card, your date of birth, and the last four digits of your Social Security number.

Synchrony will then ask you to create a username and password. Your username can be an email address or a custom name — either works. Your password must be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a special character (like ! or #). Write this down somewhere safe, or use a password manager.

After you submit your information, Synchrony sends a confirmation email to the address you provided. Click the link in that email to set up your account. If you do not see the email within a few minutes, check your spam folder — confirmation emails sometimes land there.

Making a payment after you log in

Once you are logged in, select "Make a Payment" or "Pay Now" — the button location varies slightly depending on whether you are on desktop or mobile, but it is always visible on your account dashboard. You will see your current balance and your minimum payment due.

Enter the amount you want to pay. You can pay the full balance, the minimum, or any amount in between. Then choose your payment method: bank account (ACH transfer) or debit card. If you choose bank account, provide your routing number and account number. If you choose debit card, enter the card number, expiration date, and CVV.

Synchrony will show you the payment date — usually the same day if you pay before 8 p.m. Eastern Time on a business day, or the next business day otherwise. Review the details and confirm. You will receive a confirmation number and an email receipt.

Setting up automatic payments

Automatic payments let you pay a fixed amount on the same day each month without logging in each time. From your dashboard, select "Automatic Payments" or "Autopay." Choose whether you want to pay your full statement balance, your minimum payment, or a specific dollar amount each month.

Select your payment method (bank account or debit card) and the day of the month you want the payment to come out. Synchrony will process the payment automatically on that date. You can change or cancel automatic payments anytime by logging back in and updating your settings.

Automatic payments are useful if you want to avoid late fees, but keep in mind that if your balance changes, your payment amount stays the same — so paying a fixed dollar amount means your balance may not go down as fast as you expect.

What to do if you forget your password or username

On the mysynchrony.com login page, select "Forgot Password" or "Forgot Username" depending on what you need. Synchrony will ask you to enter your Target RedCard number and the email address associated with your account. They will send a reset link to that email address.

Click the link in the email and create a new password. The link usually works for 24 hours. If it expires, you can request another one. If you no longer have access to the email address you registered with, call Synchrony at the number on the back of your Target RedCard — they can verify your identity and help you regain access.

Paying by phone instead of online

You do not have to log in to make a payment. Call the customer service number on the back of your Target RedCard and follow the automated prompts, or speak to a representative. Have your card number and bank account or debit card information ready.

Phone payments are processed the same way as online payments — same fees (none), same timing (same day or next business day depending on when you call), same confirmation number. This option is useful if you are having trouble logging in or prefer not to enter your information online.

Understanding your statement and transaction history

After you log in, select "Statements" or "View Statement" to see your monthly billing statement. This shows your opening balance, all charges and credits from that month, your closing balance, minimum payment due, and payment due date. You can view statements from the past 24 months and read them as PDF files.

Your transaction history shows individual charges and credits in real time — you do not have to wait for your statement to see what you spent. This is useful for checking whether a recent purchase posted correctly or spotting unauthorized charges. If you see a charge you do not recognize, contact Synchrony when ready using the number on the back of your card.

Frequently Asked Questions

Can I pay my Target RedCard through Target.com?

No. Target.com does not process RedCard payments. You must go to mysynchrony.com or call the number on the back of your card. Target's website will direct you to Synchrony if you search for payment options.

What if I pay online but the payment does not show up right away?

Online payments usually post within one business day. If you paid before 8 p.m. Eastern Time on a business day, it may post the same day. Check your account the next morning — if it still has not posted, call Synchrony to confirm they received it. Have your confirmation number ready.

Is there a fee to pay my Target RedCard online?

No. Synchrony does not charge a fee for online or phone payments, whether you pay by bank account or debit card. If a third-party payment service charges you a fee to pay your RedCard, that fee comes from them, not from Synchrony or Target.

Can I change my payment due date?

Synchrony does not let you move your due date through the online portal. Call the number on the back of your card and ask a representative to change it. They can usually move it by a few days, though the exact flexibility depends on your account.

What happens if I forget to pay by the due date?

A late fee applies if your payment is not received by 5 p.m. Eastern Time on the due date. The fee amount is listed in your card agreement. After 30 days late, the late payment may be reported to credit bureaus. If you miss a payment, pay as soon as you can and call Synchrony to discuss your options.