RedCard has a very high APR, which is why it's essential to pay off the entire balance to get every benefit. The moment you carry a balance, it will eliminate the savings of 5%. Therefore it's unlikely that this card will be appropriate for Target customers who have good or better credit that can pay back the amount they spent. Otherwise, it can lead to overspending and could result in financial difficulties within a matter of minutes. target red card login target red card login