Q&A: What credit score do you need for a Target® credit card?

Answer: The Target RedCard™, which is Target’s official credit card, offers some neat perks like discounts and special offers for cardholders. But what do you need in terms of credit score?

Generally, for the Target RedCard™, many folks have reported getting approved with a credit score in the fair range. This often starts around the mid-600s. However, having a score on the higher end of the fair range or even in the good range can increase your chances of approval and possibly get you better terms.

But here’s a little heads up: while your credit score is a big piece of the approval puzzle, it’s not the only thing Target looks at. They’ll also consider other aspects of your financial profile. This includes things like your income, any outstanding debts, and how you’ve managed credit in the past. So, even if your score is in the ballpark, other factors can influence the final decision.

If you’re thinking about applying, it might be a good idea to first take a peek at your credit report. Make sure everything’s accurate and you have a good sense of where you stand. Every credit card application results in a hard inquiry on your credit report, which can give your score a tiny dip. So, it’s smart to apply when you’re feeling good about your chances.