Where to find and open the Target Redcard payment app
Target's Redcard payment app is called Target Circle, and it works on both iPhone and Android phones. You read it from the Apple App Store or Google Play Store by searching "Target Circle" — not "Redcard" or "Target payments". Once installed, the app shows your Redcard balance, lets you make payments, and tracks your purchase history in one place.
The app is free to read and use. You do not need a separate account — your login uses the same username and password as Target.com, or you can sign in with your phone number and password instead.
Key Takeaways
- read Target Circle from your phone's app store, then sign in with your Target.com username and password or your phone number.
- The app shows your current Redcard balance, minimum payment due, and payment due date on the main screen.
- You can pay your full balance, the minimum amount, or any amount in between directly through the app using a bank account or debit card.
- Payments typically post within one to two business days, though the app will tell you the exact timing when you submit.
- If you forget your password, use the "Forgot Password" link on the login screen — Target will send a reset link to your email or phone.
Signing in for the first time
Open the Target Circle app and tap "Sign In" at the bottom of the screen. Enter your Target.com username (usually your email address) and your password, then tap "Sign In" again. If you do not have a Target.com account yet, tap "Create Account" and follow the steps to set one up — you will need a valid email address and a password you create yourself.
Target will ask if you want to turn on notifications so the app can remind you about your payment due date. This is optional, but many people find it useful. You can turn notifications on or off anytime in your phone's settings.
Finding your Redcard balance and payment information
Once you are signed in, the app's home screen shows your Redcard account at the top. You will see your current balance (what you owe), your minimum payment due, and your payment due date. Tap "View Details" or the card itself to see a full breakdown: your credit limit, available credit, recent transactions, and past statements.
The app also shows your Target Circle rewards balance — points you have earned from purchases — and any active Target Circle offers you can use on your next trip. These are separate from your Redcard payment, but they live in the same app.
Making a payment through the app
Tap the "Pay Now" button on your Redcard section. The app will show you three payment options: pay your full balance, pay your minimum amount due, or pay a custom amount you enter yourself. Choose the amount, then tap "Continue".
Next, select how you want to pay. You can use a bank account (which takes one to two business days to post) or a debit card (which usually posts the same day). Enter the account or card details if you have not saved them before, then review the payment summary. The app will show you exactly when your payment will post. Tap "Confirm Payment" to finish.
You will get a confirmation number on screen and a receipt email. Keep the confirmation number in case you need to check on the payment later. Your Redcard balance updates once the payment posts, which the app will confirm with a notification if you have them turned on.
What to do if you cannot log in
If you see an error message when you try to sign in, first check that you are using the correct username or phone number and that your password is spelled right (passwords are case-sensitive). If you are still locked out, tap "Forgot Password" on the login screen. Target will send a password reset link to your email address or phone number — check your spam folder if you do not see it within a few minutes.
If the app itself will not open or keeps crashing, try closing it completely and opening it again. If that does not work, delete the app and reinstall it from your app store. You will not lose any information — your account is stored on Target's servers, not on your phone.
If you still cannot sign in after trying these steps, you can call Target's customer service at 1-800-440-0680 or visit Target.com and use the "Contact Us" link to chat with someone who can reset your account or troubleshoot the problem.
Understanding payment timing and confirmation
When you submit a payment through the app, Target processes it when ready, but the time it takes to show up on your account depends on your payment method. Debit card payments usually post the same business day. Bank account payments typically take one to two business days. The app tells you the expected posting date before you confirm, so you will know exactly when to expect the update.
Once your payment posts, your available credit increases and your balance decreases. You can check this anytime by opening the app and looking at your Redcard details. If you need proof of payment for your records, the app stores all your receipts — tap "View Details" on your Redcard, then look for "Payment History" or "Statements".
Frequently Asked Questions
Can I pay my Redcard from a computer instead of the app?
Yes. Go to Target.com, sign in to your account, and look for "Redcard" or "Account" in the top menu. You can manage your Redcard and make payments the same way as in the app. Some people prefer the website for larger payments or if they want a bigger screen.
What if I pay more than I owe?
Target will credit the extra amount to your account, and you can use it toward your next purchase. You can also request a refund by calling customer service, though most people just let the credit sit until their next bill.
Is it safe to enter my bank account information in the app?
Yes. Target uses the same security as banks do — your information is encrypted and stored securely. You can also delete saved payment methods anytime in your app settings if you want to remove a bank account or card.
What happens if I miss my payment due date?
Your account will be considered late, and Target will charge you a late fee and interest on your balance. You can still make a payment anytime through the app to bring your account current. If you think you will miss a payment, contact Target customer service before the due date to discuss your options.
Can I set up automatic payments through the app?
The Target Circle app does not have an automatic payment feature built in. You have to make each payment manually. However, you can set a phone reminder on your calendar for your due date, or turn on app notifications so Target reminds you.