What Is the Target Charge on My Bank Statement?

What Is the Target Charge on My Bank Statement?

TARGET, TARGET.COM, or TARGET *REDCARD are bank descriptors for Target Corporation. If you see any of these on your credit card or bank statement, the charge is from Target — either a purchase at a Target retail store, an order from Target.com, a Target Drive Up or Shipt delivery charge, or a Target Circle Card (formerly RedCard) payment. Target is one of the largest retailers in the United States with over 1,900 stores nationwide and a major online shopping presence.

Merchant Charge Decoder – Identify Any Charge on Your Bank Statement

Common Target Charges and Their Descriptors

TARGET followed by a store number is an in-store purchase at a physical Target location. TARGET.COM is an online order from Target’s website including Drive Up pickup and Shipt delivery orders. TARGET *REDCARD or TARGET *CIRCLE CARD is a payment toward your Target Circle Card credit or debit account. SHIPT is a same-day delivery charge through Target’s Shipt delivery service — Shipt appears as a separate descriptor even though it is owned by Target. TARGET OPTICAL is an eyewear or eye exam purchase at a Target Optical location inside a Target store.

What to Do If You Don’t Recognize a Target Charge

1. Log into your Target.com account and go to Orders to see all recent purchases including in-store, online, and Drive Up orders.
2. Check your email for Target order confirmations on the date of the charge.
3. If you have a Target Circle Card, log into your account at target.com/circle-card to see your recent transactions.
4. Check whether a family member used the same payment method for a Target purchase.
5. Contact Target customer service at 1-800-440-0680 or target.com/help if you cannot identify the charge.

Frequently Asked Questions

Is a Target charge legitimate?

Yes, if you shop at Target. Target charges appear on bank statements for in-store purchases, online orders, Drive Up pickups, and Circle Card payments. The store number in the descriptor identifies the specific Target location for in-store purchases.

What is the Target Circle Card?

The Target Circle Card (formerly called the RedCard) is Target’s store credit and debit card. It provides 5% off most Target purchases, free two-day shipping on Target.com orders, and an extended 120-day return window. Payments toward your Target Circle Card appear as TARGET *CIRCLE CARD or TARGET *REDCARD on your bank statement.

Why is there a SHIPT charge related to Target?

Shipt is Target’s same-day delivery service. Target acquired Shipt in 2017. When you order same-day delivery from Target.com, the delivery fee or Shipt membership charge may appear as SHIPT on your bank statement rather than TARGET. Shipt membership is $99/year and covers unlimited deliveries on orders over $35 from Target and other participating stores.

How do I return a Target purchase?

Target accepts returns within 90 days for most items (120 days for Target Circle Card holders). Bring the item and your receipt or order barcode to any Target store, or initiate a return at target.com → Orders → Start a Return for online orders. Target also accepts returns without a receipt for most items by looking up the purchase through your payment method or Target Circle account.

Use our free Merchant Charge Decoder to identify any other unfamiliar charges on your statement.

What Is a Target Charge on My Bank Statement?

A Target charge on your bank statement is a payment to Target Corporation for a retail purchase, online order, or Circle Card transaction. It appears as TARGET, TARGET.COM, or TARGET *REDCARD / TARGET *CIRCLE CARD depending on whether the purchase was made in-store, online, or as a payment on a Target credit or debit account. Target operates over 1,900 stores nationwide and a major e-commerce operation that includes Drive Up curbside pickup and same-day delivery through Shipt.

Target charges can sometimes appear confusing because the same shopping trip may generate multiple line items — a purchase total under TARGET and a tip for a Drive Up or delivery order billed separately. If you use a Target Circle Card, monthly card payments also appear as TARGET charges distinct from your actual purchases.

How to Identify What a Target Charge Was For

In-store Target purchases include the store number in the descriptor. Online orders, Drive Up pickups, and Shipt deliveries from Target.com appear as TARGET.COM. Target Circle Card credit card payments appear as TARGET *CIRCLE CARD or TARGET *REDCARD. A SHIPT charge is a delivery fee or membership for Target’s same-day delivery service, which is owned by Target and appears under its own descriptor. Target Optical charges for eye exams or eyewear at in-store optical centers appear as TARGET OPTICAL.

I Don’t Recognize This Target Charge — What Should I Do?

Log into Target.com and go to Account → Orders to see all purchases including in-store (if you provided your email at checkout), online, Drive Up, and Shipt delivery orders. Target also logs purchases made with your Target Circle Card. If you shop with a Target Circle account, your full purchase history including in-store transactions is available under Account → Target Circle → Activity.

If the charge doesn’t match any order in your Target account and no family member made the purchase, contact Target customer service at 1-800-440-0680. If you believe the charge is fraudulent, contact your card issuer immediately to dispute it.

Frequently Asked Questions

What does the store number mean in a Target charge?

The number following TARGET on your statement (for example, TARGET #1234) is the store number for the specific Target location where the purchase was made. You can find Target store numbers and locations at target.com/store-locator to identify which store generated the charge.

Does Target charge separately for Drive Up orders?

The item total for a Drive Up order appears as a single TARGET.COM charge. If you added a tip for your Drive Up associate through the Target app after picking up your order, that tip may appear as a separate smaller TARGET charge on the same day or the following day.

How does the Target Circle Card 5% discount work?

The Target Circle Card automatically applies a 5% discount to most Target purchases at checkout — there is no coupon code or activation required. The discount appears on your receipt as a reduction in the item prices rather than as a separate line item. The 5% discount does not apply to gift cards, prescriptions, clinic services, or purchases made at Target Optical.