Credit Cards » Compare Credit Cards » Target Red Card vs. Prime Visa: How They Compare?
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Target Red Card vs. Prime Visa: How They Compare?

While Target RedCard offers a less attractive cashback rewards ratio than Amazon, it still may be a better option for some. Let's compare
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

In the ever-evolving landscape of retail and online shopping, credit card rewards programs have become a pivotal player in enticing consumers.

Two prominent contenders in this arena are the Target Red Card and the Prime Visa card, each offering unique benefits tailored to their respective retail giants.

General Comparison: Target vs. Amazon Card

The Target Red Card boasts a straightforward approach to rewards, primarily centered around Target purchases. Cardholders enjoy an immediate 5% discount on all Target purchases, both in-store and online.

This can be a significant perk for frequent Target shoppers, especially those furnishing a home, stocking up on groceries, or indulging in the latest fashion trends. Additionally, Red Card holders benefit from free shipping on most Target.com orders, further sweetening the deal for online shoppers.

On the other hand, the Prime Visa card is designed for those entrenched in the Amazon ecosystem. The card offers a competitive 5% cash back on all Amazon and Whole Foods purchases, making it an attractive option for avid online shoppers. But, keep in mind that an Amazon Prime subscription is required.

amazon prime visa

target red card

Prime Visa Card
Target RedCard Credit Card
Annual Fee
$0 ($139 Amazon Prime subscription required)
$0
Rewards
5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
5% off at Target and target.com, 2% on dining and gas purchases and 1% everywhere else outside of Target
Welcome bonus
$100 Amazon gift card upon approval
None
0% Intro APR
N/A
None
Foreign Transaction Fee
$0
$0
Purchase APR
19.49% – 27.49% Variable
29.95% (Variable)
Read Review
Read Review
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Cashback Analysis: Target vs. Amazon Card

Assuming all supermarket and gas purchases are made via  Target  – the Targett card will drive you more cash back.

However, if you plan to use the card for Amazon and travel purchases -chances the cashback you'll earn will be higher compared to the Target card

amazon prime visa

target red card

Spend Per Category
Prime Visa Card
Target RedCard Credit Card
$15,000 – U.S Supermarkets
$150
$750
$4,000 – Amazon Products
$200
$40
$5,000 – Restaurants
$100
$100
$4,000 – Travel
$200
$40
$4,000 – Gas
$80
$80
Estimated Annual Cashback
$730
$1,010

* Assuming all supermarkets purchases made via Target

The Amazon card gives users flexibility in redeeming rewards. They can apply rewards as a statement credit or set up automatic application each billing cycle.

Users can also use points for eligible Amazon.com purchases by linking their credit card and selecting the “shop with points” feature during checkout.

Target cash rewards canbe used to get discounts on your next shopping at Target or turn them into Target gift cards. 

Amazon Prime Visa use points to shop
Amazon Prime Visa use points to shop (Screenshot from Chase app)

Additional Benefits: Comparison

The Target card offers a bunch of extra shopping benefits for cardholders, such as exclusive deals, extended return time, and free shipping.

On the other hand, Amazon card extra perks are mainly focused on travel protections such as baggage delay and travel accident insurance, roadside dispatch and emergency assistance and lost luggage reimbursement.

Prime Visa Card

amazon prime visa

  • Prime Card Bonus: Earn an impressive 10% back or more on select products, sweetening the deal for Amazon Prime members and making the card particularly rewarding for frequent shoppers.
  • Baggage Delay Insurance: In the unfortunate event of delayed baggage, this benefit helps cover essential expenses, ensuring a smoother travel experience.
  • Extended Warranty Protection: Purchases made with the Amazon card often receive extended warranty protection, providing added coverage beyond the manufacturer's warranty.
  • Lost Luggage Reimbursement: Should your luggage go astray during travel, the card offers reimbursement for essential items, alleviating the inconvenience of lost belongings.
Amazon Prime Visa card benefits and offers
Amazon Prime Visa card benefits and offers (Screenshot from Chase app)
  • Roadside Dispatch®: The Amazon card includes access to a 24/7 roadside assistance hotline, offering services like towing, tire changes, and more in case of vehicle breakdowns.
  • Travel Accident Insurance: Cardholders enjoy travel accident insurance, providing financial coverage in the event of accidental death or dismemberment while traveling.
  • Travel and Emergency Assistance: This feature offers access to a range of emergency services while traveling, providing support in unforeseen situations.
  • Purchase Protection: The Amazon card provides protection against damage or theft for eligible purchases made with the card, enhancing the security of your acquisitions.
Target RedCard Credit Card

target red card

  • Free 2-day shipping: Enjoy the convenience of swift delivery with free 2-day shipping on an extensive selection of items when shopping on Target.com.
  • RedCard Exclusives: Gain access to special items and exclusive offers available only to RedCard holders, enhancing your shopping experience with unique perks.
  • Extended Return Time: Benefit from an additional 30 days for returns and exchanges at Target, providing flexibility and peace of mind for your purchases.
  • Starbucks Discount: Save 5% on your purchases at any in-store Starbucks location when using your Target Red Card, adding an extra perk for coffee enthusiasts.
  • Specialty Gift Cards Savings: Receive a 5% discount on specialty gift cards for travel, restaurants, movie tickets, and more, allowing you to save on a variety of experiences and purchases beyond Target.

When You Might Prefer The Amazon Card ?

You might prefer the Prime Visa over the Target Red Card If:

  • You Are A Frequent Amazon Shopper: If you find yourself regularly shopping on Amazon, the Prime Visa card's 5% cash back on Amazon and Whole Foods purchases can quickly accumulate significant rewards.
  • You Want Travel Benefits: The Amazon Prime Visa card offers additional travel-related benefits, including baggage delay insurance, extended warranty protection, lost luggage reimbursement, and travel accident insurance. If you value these travel perks, the Amazon Prime Rewards card might be a better fit for your lifestyle
  • You're Already a Prime Member: The Prime Visas card requires a Prime membership, and if you already enjoy the various perks of Prime, such as free two-day shipping, access to Prime Video, and exclusive deals, the credit card seamlessly integrates with these benefits.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Prefer The Target RedCard?

You might prefer the Target Red Card If:

  • Dedicated Target Shopper: If you are a frequent shopper at Target for various needs, including household items, groceries, clothing, and home goods, the Target Red Card offers a consistent 5% discount on all Target purchases. This makes it an attractive option for those who regularly make Target their one-stop shopping destination.
  • In-Store Shopping Preference: Unlike other store cards, the Target Red Card's 5% discount is not limited to online purchases; it extends to in-store transactions as well. If you prefer the in-store shopping experience and frequently visit Target locations, this card provides immediate savings at the checkout counter.
  • You Want Exclusive Deals and Offers: The RedCard provides access to RedCard Exclusives, including special items and offers. If you appreciate exclusive discounts and promotions, this can be a compelling reason to choose the Target RedCard.

Compare The Alternatives

If you're looking for a store credit card with great rewards for online shopping – there are some good alternatives you may want to consider:

Citi-costco-anywhere-visa-credit-card review

Apple card

Sam's Club® Mastercard®

Costco Anywhere Visa® Card by Citi
Apple Credit Card
Sam's Club® Mastercard®
Annual Fee
$0 ($60 Costco membership fee required)
$0
$0 ($50/$110 for Club/Plus membership – MUST)
Rewards
1-4% 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
1% – 3% 3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
1-5% 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
Welcome bonus
None None
N/A
None $30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
Foreign Transaction Fee
$0
$0
N/A
Purchase APR
20.49% (Variable)
15.99% – 26.99% Variable
20.40% or 28.40% Variable

Compare Amazon Prime Visa Card

My Best Buy Visa Card is cheaper than the Amazon card, which requires a membership. But, it doesn't mean Amazon wins – here's why.

My Best Buy Visa Card vs Amazon Prime Visa Card: Comparison

The Amazon Prime Visa card offers high cashback for avid online shoppers. However, Costco is the winner when it comes to everyday spending.

Amazon Prime Visa vs Costco Anywhere Visa Card: Comparison

If you're a geek of both Amazon and Apple and not sure which card is better for your needs, we think we can help – there is a clear winner.

Apple Card vs. Prime Visa: Which Is Better?

The BJ's One+ Mastercard wins if you focus on groceries, but Amazon's card extra shopping perks and insurance are better.

BJ’s One+ Mastercard vs. Prime Visa: How They Compare?

Both the Prime Visa and the Capital One Walmart card offer similar cashback rewards ratios.

Here's why Walmart is our winner: Prime Visa vs: Capital One Walmart Rewards

Compare Target Red Card

If you focus on groceries – the Target RedCard wins, but if you focus on travel or gas – you may want the Costco credit card.

Target Red Card vs. Costco Anywhere Visa Card: How They Compare?

If you do all your grocery and fuel shopping at either Target or Sam's Club, the cashback you get from both credit cards is pretty similar.

Sam’s Club Mastercard vs Target Red Card: How They Compare?

The target RedCard is our clear winner, with a higher cash-back rate and estimated annual value. Here's what you can get with each card.

JCPenney Credit Card vs Target Red Card: How They Compare?

The Target RedCard is our winner especially if you focus on groceries and dining, with much better cashback rates than Macy's Credit Card.

Target Red Card vs. Macy's Credit Card: What Store Card Offers The Highest Rewards?

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Review Online Shopping Credit Cards

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Best Cards Per Category
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.