Acceptance of RedCards, Target’s store-branded credit and debit cards, is generally limited to Target stores (both physical and online) and select affiliated retailers. This limited acceptance differentiates them from major credit card networks like Visa, Mastercard, American Express, and Discover, which are designed for broader usage across diverse merchants.
The restricted usability of a RedCard encourages customer loyalty within the Target ecosystem. By offering exclusive discounts and benefits to RedCard holders, Target incentivizes repeat business and fosters a stronger connection with its customer base. This approach allows Target to directly reward its most frequent shoppers. Historically, store-branded credit cards have offered a way for retailers to build customer loyalty and streamline in-house financing, preceding widespread adoption of general-purpose credit cards.
