Where to log in for Target Red Card payments
You log in to manage your Target Red Card account at target.com/account or through the Target mobile app. Once you're signed in with your Target.com username and password, select "Manage Payment Methods" or "Credit Card" from the account menu to reach your card settings and payment options.
If you have a Target Mastercard (the version you can use anywhere, not just at Target), you can also log in through Synchrony Bank's cardholder portal at mysynchrony.com. This portal shows your full statement, payment history, and credit limit — information that may not appear in the Target.com account dashboard.
The two logins serve different purposes. Target.com handles your Target-specific rewards, purchase history, and Red Card benefits. Synchrony's portal shows your actual credit account details, interest rates, and payment due dates. You may need both to see the complete picture of your account.
Key Takeaways
- Target Red Card payments are made through target.com/account or the Target app, using your Target.com login credentials.
- Target Mastercard holders can also log in at mysynchrony.com to view full credit account details and statements.
- You can set up automatic payments during login, and they typically post within one to two business days.
- If you forget your password, use the "Forgot Password" link on either portal — you'll receive a reset email within minutes.
Steps to pay your balance after logging in
Once logged in at target.com/account, navigate to your payment section. You'll see your current balance, minimum payment due, and the due date. Select "Make a Payment" or "Pay Now" to begin.
You can pay in full, pay the minimum, or enter a custom amount. Choose your payment method — usually a bank account (ACH transfer) or debit card. Bank account payments are free and typically post within one to two business days. Debit card payments may carry a fee depending on your card issuer.
Review the payment amount and date one more time before confirming. You'll receive a confirmation number when ready and an email receipt shortly after. Keep this confirmation number if you need to reference the payment later.
Setting up automatic payments
Automatic payments remove the need to log in each month. During payment setup, look for an option to "Schedule Recurring Payment" or "Autopay." You can choose to pay your full statement balance, a fixed amount, or the minimum due each month.
Select the date you want the payment to occur — most cardholders choose a date shortly after payday or before the due date. The system will process the payment automatically on that date each month until you cancel it.
You can change or cancel automatic payments anytime by logging back in and adjusting your autopay settings. If you need to skip a month, you can pause the automatic payment without canceling it entirely.
What to do if you can't log in
If your password isn't working, click "Forgot Password" on the Target.com login page. Enter your email address or username, and Target will send a password reset link within minutes. Check your spam folder if you don't see it in your inbox.
If you don't remember which email address you used to create your Target account, call Target Guest Services at 1-800-440-0680. They can confirm your account email and send a reset link on your behalf.
If you're locked out after multiple failed login attempts, wait 30 minutes before trying again. The account temporarily blocks access to prevent unauthorized entry. If the lockout persists, contact Target Guest Services or try logging in through the Target mobile app instead — sometimes one platform works when the other doesn't.
Differences between Target.com login and Synchrony login
Target.com shows your Red Card rewards balance, purchase history at Target, and any active promotions tied to your card. It's designed for shopping and managing your Target-specific benefits.
Synchrony's portal (mysynchrony.com) shows your actual credit account: your interest rate, credit limit, full statement with all purchases, payment history, and late fees if any. It's the official credit account record and what creditors see when they check your payment history.
If you're disputing a charge, checking your credit limit, or reviewing your interest rate, use Synchrony. If you're checking your Red Card rewards or looking at Target purchase history, use Target.com. Both are legitimate logins for the same card — they just show different information.
Payment timing and posting
Payments made before 8 p.m. Eastern Time typically post the next business day. Payments made after 8 p.m. or on weekends may not post until the following business day. Holidays can add an extra day.
Once a payment posts, it reduces your balance when ready and stops interest from accruing on that amount. If you're close to your due date, make the payment at least two business days early to be safe.
If you pay by mail instead of online, allow 7 to 10 business days for the payment to arrive and post. Online payments are faster and leave a digital record, so they're the more reliable option if you're working against a important date.
Frequently Asked Questions
Do I need a separate login for Target Mastercard versus the Red Card at Target?
Target.com/account works for both. If you have a Target Mastercard, you can also log in at mysynchrony.com to see your full credit details. The Target.com login is sufficient for making payments either way.
Can I pay my Target Red Card with a credit card?
No. You can only pay with a bank account (ACH transfer) or debit card. Paying a credit card with another credit card typically isn't allowed by any card issuer because it's considered a cash advance.
What if my payment shows as pending but hasn't posted yet?
Pending payments usually post within one to two business days. You can see pending payments in your account during this time. If a payment doesn't post after three business days, contact Target Guest Services at 1-800-440-0680 with your confirmation number.
Is it safe to pay my Red Card online?
Target.com and mysynchrony.com both use encryption and security measures standard for banking websites. Your login is protected by your password, and you should never share it. If you're on a public Wi-Fi network, use a VPN or wait until you're on a find connection.
Can I set up autopay for just part of my balance?
Yes. During autopay setup, you can choose to pay a fixed dollar amount each month, the minimum due, or the full statement balance. You can change this amount anytime by logging back in.