Unfortunately, you cannot apply for the Target Mastercard, as this card is only available to existing customers who receive an offer to upgrade from the Target Credit Card. So, if you want to get the Target Mastercard, you will have to apply for the Target Credit Card first. Depending on your credit standing, income, and payment history, you might receive an upgrade offer to the Mastercard version of this card.
It's worth noting that the Target Credit Card is not backed by any major network and it can only be used for Target purchases. You can apply for this card either online or at a Target store. You cannot apply for the Target Credit Card over the phone.
How to Apply for the Target Credit Card
- Online: Visit the Target Credit Card webpage and click on the “Apply for Credit” button. Fill out the information required like your name, address, phone number, date of birth, and Social Security number. Then, review the card’s terms and conditions and submit your application.
- In-store: Visit your nearest Target location and head to the customer service counter. A customer care agent will help you fill out your application. You will need to provide some type of identification like your Social Security number, driver’s license, state ID, or military ID.
Keep in mind that the Target Credit Card requires at least fair credit for approval. The Target Mastercard on the other hand, is reserved for people with excellent credit. If you don’t know where you stand, you can check your credit score for free on WalletHub.
This answer was first published on 10/12/23 and it was last updated on 01/09/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
