Can I get a Target credit card with a 620 credit score?

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In today’s fast-paced digital world, credit cards have become an essential financial tool for millions of individuals. They offer convenience, security, and the ability to build credit when used responsibly. However, the road to acquiring a credit card can be a challenging one, especially if your credit score is less than stellar. One popular card that many aspire to obtain is the Target Credit Card, which offers rewards and exclusive discounts to loyal shoppers. In this article, we will delve into the question: Can you get a Target Credit Card with a 620 credit score? Let’s explore the factors that influence credit card approval and whether a credit score of 620 is sufficient to secure this coveted card.

Can i get a target credit card with a 620 credit score?

Understanding Credit Scores

Credit scores play a crucial role in determining your eligibility for a credit card, loan, or any other form of credit. They are a reflection of your financial responsibility and creditworthiness. Before delving into whether a 620 credit score is adequate for a Target Credit Card, it’s essential to understand the credit score ranges and their significance.

A credit score typically falls within a range of 300 to 850, with higher scores indicating better creditworthiness. Lenders and credit card issuers assess credit scores to evaluate the risk associated with extending credit. While different institutions have their own criteria, credit scores are commonly divided into five categories:

Poor Credit (300-579): Individuals with scores in this range may find it challenging to obtain credit and may face higher interest rates and limited options.

Fair Credit (580-669): Scores within this range suggest a moderate credit history. While credit options may be available, they may come with higher interest rates and fewer benefits.

A 620 credit score falls within the “Fair Credit” range, indicating a credit history that is neither excellent nor poor. As we delve further, we will assess whether this credit score is sufficient to obtain a Target Credit Card.

Target Credit Card Overview

Before determining the feasibility of acquiring a Target Credit Card with a 620 credit score, it’s important to understand the card’s features and requirements. The Target Credit Card, issued by TD Bank, provides exclusive benefits to loyal customers who frequently shop at Target stores and website.

Benefits and Rewards

The Target Credit Card offers a range of perks that can make it an enticing option for frequent Target shoppers. These benefits include a 5% discount on purchases made at Target, free two-day shipping on eligible items from, and an extended return window. Additionally, cardholders gain access to exclusive deals and promotions throughout the year.

Credit Score Requirements

While credit score requirements can vary, Target typically considers applicants with a wide range of credit scores. While the company does not explicitly disclose the minimum credit score required, reports suggest that a score in the “Fair Credit” range, such as 620, may be acceptable for card approval.

Having explored the basics of credit scores and gained an understanding of the Target Credit Card, let’s delve deeper into the factors that influence credit card approval with a 620 credit score.

Factors Influencing Credit Card Approval with a 620 Credit Score:

Credit History and Payment Behavior

When evaluating credit card applications, issuers consider an individual’s credit history and payment behavior. A 620 credit score indicates a fair credit history, suggesting that you have a track record of managing credit responsibly. However, it’s important to delve deeper into your payment behavior to assess your likelihood of being approved for a Target Credit Card.

Creditors typically look for consistent, on-time payments, as this reflects responsible credit management. If your credit report shows a history of late payments, collections, or defaults, it may raise concerns for the issuer, even with a fair credit score. On the other hand, if you have a consistent record of paying bills on time and managing credit responsibly, it can work in your favor, increasing your chances of being approved for a Target Credit Card.

Credit Utilization Ratio

Credit utilization ratio refers to the percentage of available credit that you are currently using. It is calculated by dividing your total credit card balances by your total credit limits. A lower credit utilization ratio suggests responsible credit usage and can positively impact your credit score. Creditors often prefer applicants with a utilization ratio below 30%.

If you have a 620 credit score, it’s important to consider your credit utilization ratio. If you have high credit card balances and are utilizing a significant portion of your available credit, it may raise concerns for issuers, as it indicates a higher risk of potential default. However, if your credit utilization ratio is low, it showcases responsible credit management and improves your chances of approval for a Target Credit Card.

Credit Mix and Length of Credit History

Creditors also assess an applicant’s credit mix and length of credit history. Having a diverse credit portfolio that includes installment loans, such as a mortgage or auto loan, in addition to credit cards, demonstrates your ability to handle different types of credit responsibly. However, with a fair credit score, it’s likely that your credit history is still developing, and you may not have an extensive credit mix.

While a 620 credit score suggests a moderate credit history, it’s essential to consider the length of your credit history. If you have a relatively short credit history, it may limit your chances of being approved for certain credit cards, including the Target Credit Card, which may favor applicants with a more established credit profile.

Other Factors

Apart from credit-related factors, credit card issuers may also consider other aspects when assessing an application. These factors can include your income, employment status, and overall financial stability. While a 620 credit score may be acceptable for a Target Credit Card, demonstrating a stable income and employment history can further strengthen your application.


In summary, while a 620 credit score falls within the fair credit range, there are several factors to consider when applying for a Target Credit Card. A consistent payment history, a low credit utilization ratio, and a diverse credit mix can all work in your favor. However, it’s important to remember that credit card approval decisions are subjective, and each issuer may have its own set of criteria and requirements.

As you embark on your credit journey, it’s crucial to continue practicing responsible credit management, such as paying bills on time, keeping credit card balances low, and monitoring your credit report for accuracy. Over time, as your credit score improves and your credit history strengthens, you can explore additional credit card options with more favorable terms and rewards.

Remember, obtaining a credit card is not solely about the card itself, but also about building a solid financial foundation and utilizing credit responsibly to achieve your long-term financial goals.

Can I get a Target credit card with a 620 credit score?
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