Target REDcard vs Capital One Venture Rewards Card

Product Comparison
January 18, 2021

Capital One Venture Rewards Card vs Target REDcard: Side-by-Side Comparison

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PROS
  • Better cost than Capital One Venture Rewards Card
CONS
PROS
CONS
  • No significant cons
Target REDcard vs. Capital One Venture Rewards Card: Side-by-Side Comparison
Winner
Target REDcard
Criteria
Capital One Venture Rewards Card
Winner
3.9
Overall Score
Overall Score
4.8
Overall Score
0.0 stars – View deals >
Pricing
0.0 stars – View deals >
5.0 stars – 2 reviews
3.5 stars – 2 reviews
5.0 stars – 2 reviews
5.0 stars – 2 reviews
4.3 stars – 3 reviews
Additional Bonuses
5.0 stars – 2 reviews
4.0 stars – 2 reviews
3.5 stars – 2 reviews
5.0 stars – 1 review
Security Features
5.0 stars – 1 review
1.0 stars – 1 review
Cash Advance Cost
4.0 stars – 1 review
1.0 stars – 1 review
3.0 stars – 1 review
3.0 stars – 1 review
Return Check Fee
5.0 stars – 1 review
1.0 stars – 1 review
Damage and Loss Protection
5.0 stars – 1 review
1.0 stars – 1 review
Extended Warranty Protection
5.0 stars – 1 review
2.0 stars – 1 review
Foreign Transaction Costs
5.0 stars – 1 review
3.0 stars – 1 review
Contactless Payment
5.0 stars – 1 review
1.0 stars – 1 review
Debt Transfer Fees
5.0 stars – 1 review
2.0 stars – 1 review
Card Quality
5.0 stars – 1 review
Target REDcard
   
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Target REDcard vs. Capital One Venture Rewards Card: Comparison Details

Best Cost – Winner: Target REDcard
5.0 stars

For the perks that you get as a Target customer, this is a great card because there is no annual fee.

Last reviewed January 20, 2020. Read all 2 no annual fee reviews.

4.0 stars

While there is no fee for the first year, it jumps up to $95 in the years after. The other benefits help balance this out so it ends up being worth it.

Last reviewed January 16, 2020. Read all 2 no annual fee reviews.

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Best Rewards – Tie
5.0 stars

While you do have perks with the Target REDcard, you don't earn any points that can be redeemed for rewards, so that makes it less desirable than a lot of cards that have similar benefits but better rewards programs.

Last reviewed January 20, 2020. Read all 2 sign up bonus reviews.

5.0 stars

2x miles on every dollar spent is really good. Their miles are very flexible and I can use them on flights, hotels, etc as long as it's a travel expense. They will let you retroactively apply miles to a travel expense which is really nice.

Last reviewed January 16, 2020. Read all 2 sign up bonus reviews.

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Best Additional Bonuses – Winner: Capital One Venture Rewards Card
4.0 stars

5% discount on all eligible Target purchases, 10% discount coupon each year on your card anniversary, 30 extra days for returns, The downside is, is that there is no rewards program for this card.

Last reviewed January 20, 2020. Read all 4 perks reviews.

5.0 stars

The perks are great: 2x miles on every dollar, $100 credit for TSA Precheck or Global Entry, no international fee, ability to use miles on any airline, even after you have booked a trip.

Last reviewed January 16, 2020. Read all 3 perks reviews.

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Best APR – Winner: Target REDcard
4.0 stars

The ongoing APR is 25.15% Variable. I'm lucky where I don't carry a balance on my card, but if you do, the charges could start to snowball and you could end up paying a lot more than the benefits of the card give you are worth.

Last reviewed January 20, 2020. Read all 3 interest rates reviews.

4.0 stars

Their interest rates seem to be competitive when I was comparing with other cards. I always pay off my credit card bill in full so I never have to worry anyways.

Last reviewed January 16, 2020. Read all 3 interest rates reviews.

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Best Security Features – Tie
5.0 stars

Based on reviews posted on popular review sites as well as from Target REDcard's website, Target REDcard performs very well in terms of security features relative to other credit card stores.

Based on information published by Target REDcard, they have excellent support for security features on a page posted on their website. Here's a snippet from the information published on their site:

Target takes a proactive approach to fighting fraud and identity theft. If a transaction or RedCard (Target Mastercard, Target Credit Card or Target Debit Card) application looks suspicious, we may call you to verify that you have authorized the application or transaction. For some online account changes or other changes to your RedCard account, you may be prompted to provide additional information about yourself, your account or your RedCard. This helps reduce the risk of fraud and the possibility of identity theft.

The review site thefinancebuff.com gives Target REDcard excellent ratings for security features in a review posted on its website. From this review:

Target RED Card debit cards saw zero fraud because they must use a PIN. Other cards would be made more secure if they also must use a PIN. Unfortunately those other cards all allow charging without a PIN.

Learn more at the company's website.

You can also check out the top 10 credit card stores for security features, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 fraud protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Capital One Venture Rewards Card's website, Capital One Venture Rewards Card performs very well in terms of security features relative to other rewards credit card stores.

The review site capitalone.com gives Capital One Venture Rewards Card excellent ratings for security features in a review posted on its website. Here's a brief quote from this review:

If your card is lost or stolen, you will not be responsible for unauthorized charges.

The review site experian.com gives Capital One Venture Rewards Card excellent ratings for security features in a review posted on its website. From this review:

When you use the Capital One mobile app, you can enlist its virtual assistant, Eno, to help monitor your card. Eno will alert you about potential fraud, unusually high recurring payments or duplicate charges on your card so you can correct them before they wreak financial havoc.

Learn more at the company's website.

You can also check out the top 10 rewards credit card stores for security features, or the overall best-performing rewards credit card stores on our main review grid.

Looking for Capital One Venture Rewards Card coupons? Check out the latest deals here. Want more reviews on Capital One Venture Rewards Card? Read a more in-depth review of Capital One Venture Rewards Card on this page.

Last reviewed February 5, 2020. Read all 2 fraud protection reviews.

Target REDcard
   
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Best Cash Advance Cost – Winner: Capital One Venture Rewards Card
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of cash advance cost when compared to other credit card stores.

Based on one review posted on moneycrashers.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Here's a brief quote from this review:

No Balance Transfers or Cash Advances. You can’t make balance transfers or draw cash advances with your Target REDcard. That’s a drawback relative to most cash back credit cards, including Chase Freedom.

Based on one review posted on wallethub.com, it appears that Target REDcard received poor ratings for cash advance cost. See the full review here. Specifically, this reviewer pointed out the following:

You can't get cash advances with your Target Credit Card, unless you have been upgraded to the Mastercard version, which you can use anywhere that takes Mastercard, including virtually all ATMs. You can’t apply for that card directly. Once you have the Target REDcard Credit Card, it might be offered to you as an upgrade.

Learn more at the company's website.

You can also check out the top 10 credit card stores for cash advance cost, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 cash advance fees reviews.

4.0 stars

Based on reviews posted on popular review sites as well as from Capital One Venture Rewards Card's website, Capital One Venture Rewards Card performs very well in terms of cash advance cost relative to other rewards credit card stores.

One reviewer on creditcardinsider.com said Capital One Venture Rewards Card performs well on cash advance cost relative to its peers. You can read the full review here. Here's a brief quote from this review:

3% of the amount of the cash advance, but not less than $10,

One reviewer on usnews.com said Capital One Venture Rewards Card performs well on cash advance cost relative to its peers. You can read the full review here. Here's a brief quote from this review:

3% of the amount of the cash advance, but not less than $10

Learn more at the company's website.

You can also check out the top 10 rewards credit card stores for cash advance cost, or the overall best-performing rewards credit card stores on our main review grid.

Looking for Capital One Venture Rewards Card coupons? Check out the latest deals here. Want more reviews on Capital One Venture Rewards Card? Read a more in-depth review of Capital One Venture Rewards Card on this page.

Last reviewed February 5, 2020. Read all 2 cash advance fees reviews.

Target REDcard
   
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Best Late Fees – Winner: Capital One Venture Rewards Card
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of late fees when compared to other credit card stores.

Based on one review posted on upgradedpoints.com, it appears that Target REDcard received poor ratings for late fees. See the full review here. Here's a brief quote from this review:

Target states users will pay a late fee of $24 when any amount due remains unpaid after the payment due date. All subsequent late fees will be $38 until you reach the minimum required payment by the due date for 6 consecutive billing periods.

Based on one review posted on magnifymoney.com, it appears that Target REDcard received poor ratings for late fees. See the full review here. From this review:

Late payment fees run up to $38. Returned payment fees run up to $27. If you miss a payment, are late on a payment, or only pay the minimum balance, your 5% savings will be automatically negated.

Learn more at the company's website.

You can also check out the top 10 credit card stores for late fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 late payment fees reviews.

3.0 stars

Based on ratings published by trusted online review sites as well as information from Capital One Venture Rewards Card's website, Capital One Venture Rewards Card performs average to better than average in terms of late fees compared to other rewards credit card stores.

Based on a review posted on usnews.com, Capital One Venture Rewards Card was rated as fairly average for late fees relative to competing rewards credit card stores. Check out the entire review here. From this review:

The late fee can be up to $39

Based on a review posted on wallethub.com, Capital One Venture Rewards Card was rated as fairly average for late fees relative to competing rewards credit card stores. Check out the entire review here. Here's a brief quote from this review:

If you don't pay your credit card bill on time, you will be assessed a late fee. Usually, late fees are tiered. For example, -- $15 on balances up to $100 -- $29 on balances of $100 up to $250 -- $39 on balances of $250 and over

Learn more at the company's website.

You can also check out the top 10 rewards credit card stores for late fees, or the overall best-performing rewards credit card stores on our main review grid.

Looking for Capital One Venture Rewards Card coupons? Check out the latest deals here. Want more reviews on Capital One Venture Rewards Card? Read a more in-depth review of Capital One Venture Rewards Card on this page.

Last reviewed February 5, 2020. Read all 2 late payment fees reviews.

Target REDcard
   
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Best Return Check Fee – Winner: Capital One Venture Rewards Card
3.0 stars

Based on ratings published by trusted online review sites as well as information from Target REDcard's website, Target REDcard performs average to better than average in terms of return check fee compared to other credit card stores.

Based on a review posted on investopedia.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

There is also a late payment fee of up to $38 and a return payment fee of $27.

Based on a review posted on smartasset.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. From this review:

Returned Payment: Up to $28

Based on a review posted on finder.com, Target REDcard was rated as fairly average for return check fee relative to competing credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

Late payments come with fees of up to $39 and returned payments have fees of up to $28.

Learn more at the company's website.

You can also check out the top 10 credit card stores for return check fee, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 returned payment fees reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Capital One Venture Rewards Card's website, Capital One Venture Rewards Card performs very well in terms of return check fee relative to other rewards credit card stores.

The review site creditcards.com gives Capital One Venture Rewards Card excellent ratings for return check fee in a review posted on its website. Specifically, this reviewer pointed out the following:

No returned payment fee.

The review site smartasset.com gives Capital One Venture Rewards Card excellent ratings for return check fee in a review posted on its website. Here's a brief quote from this review:

Returned Payment: None

Learn more at the company's website.

You can also check out the top 10 rewards credit card stores for return check fee, or the overall best-performing rewards credit card stores on our main review grid.

Looking for Capital One Venture Rewards Card coupons? Check out the latest deals here. Want more reviews on Capital One Venture Rewards Card? Read a more in-depth review of Capital One Venture Rewards Card on this page.

Last reviewed February 5, 2020. Read all 2 returned payment fees reviews.

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Best Damage and Loss Protection – Winner: Capital One Venture Rewards Card
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of damage and loss protection when compared to other credit card stores.

Based on one review posted on target.com, it appears that Target REDcard received poor ratings for damage and loss protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for damage and loss protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 purchase protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Capital One Venture Rewards Card's website, Capital One Venture Rewards Card performs very well in terms of damage and loss protection relative to other rewards credit card stores.

The review site upgradedpoints.com gives Capital One Venture Rewards Card excellent ratings for damage and loss protection in a review posted on its website. From this review:

Purchase an eligible item and receive 90 days of coverage (from the purchase date) for theft or damage. There’s a limit of $500 per claim.

The review site creditcards.com gives Capital One Venture Rewards Card excellent ratings for damage and loss protection in a review posted on its website.

Learn more at the company's website.

You can also check out the top 10 rewards credit card stores for damage and loss protection, or the overall best-performing rewards credit card stores on our main review grid.

Looking for Capital One Venture Rewards Card coupons? Check out the latest deals here. Want more reviews on Capital One Venture Rewards Card? Read a more in-depth review of Capital One Venture Rewards Card on this page.

Last reviewed February 5, 2020. Read all 2 purchase protection reviews.

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Best Extended Warranty Protection – Winner: Capital One Venture Rewards Card
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of extended warranty protection when compared to other credit card stores.

Based on one review posted on birchfinance.com, it appears that Target REDcard received poor ratings for extended warranty protection. See the full review here.

Learn more at the company's website.

You can also check out the top 10 credit card stores for extended warranty protection, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 extended warranty protection reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Capital One Venture Rewards Card's website, Capital One Venture Rewards Card performs very well in terms of extended warranty protection relative to other rewards credit card stores.

The review site thepointsguy.com gives Capital One Venture Rewards Card excellent ratings for extended warranty protection in a review posted on its website. Here's a brief quote from this review:

You can also rest easy when putting large purchases on your Venture card as you’ll receive extended-warranty protection that doubles the manufacturer’s warranty up to one year for warranties of three years or less.

Based on information published by Capital One Venture Rewards Card, they have excellent support for extended warranty protection on a page posted on their website. Specifically, their website provides the following information:

You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.

Learn more at the company's website.

You can also check out the top 10 rewards credit card stores for extended warranty protection, or the overall best-performing rewards credit card stores on our main review grid.

Looking for Capital One Venture Rewards Card coupons? Check out the latest deals here. Want more reviews on Capital One Venture Rewards Card? Read a more in-depth review of Capital One Venture Rewards Card on this page.

Last reviewed February 5, 2020. Read all 2 extended warranty protection reviews.

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Best Foreign Transaction Costs – Winner: Capital One Venture Rewards Card
2.0 stars

Unfortunately, Target REDcard does not currently offer no foreign transaction fees. You can also visit Target REDcard's foreign transaction costs customer FAQ page to see if they've provided any additional information on this topic. We also recommend checking their homepage to see if they've posted any more updated information on their foreign transaction costs.

Last reviewed January 18, 2021. Read 1 no foreign transaction fees review.

5.0 stars

Yes, Capital One Venture Rewards Card does offer no foreign transaction fees. You can find additional information about Capital One Venture Rewards Card's foreign transaction costs on their customer service page here. You can also visit their homepage to see if Capital One Venture Rewards Card has posted additional information on their foreign transaction costs.

Last reviewed February 5, 2020. Read all 2 no foreign transaction fees reviews.

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Best Contactless Payment – Winner: Capital One Venture Rewards Card
3.0 stars

Based on our research, it appears that Target REDcard may not offer tap to pay at the current time. You may be able to find additional information about Target REDcard's contactless payment on their customer service page or FAQ here. You can also visit their homepage to see if Target REDcard has posted any updated information about their contactless payment.

Last reviewed January 18, 2021. Read 1 tap to pay review.

5.0 stars

Yes, Capital One Venture Rewards Card does offer tap to pay. You can find additional information about Capital One Venture Rewards Card's contactless payment on their customer service page here. You can also visit their homepage to see if Capital One Venture Rewards Card has posted additional information on their contactless payment.

Last reviewed February 5, 2020. Read all 2 tap to pay reviews.

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Best Debt Transfer Fees – Winner: Capital One Venture Rewards Card
1.0 stars

Based on reviews from trusted online sites, combined with information from Target REDcard's website, it appears that Target REDcard performs performs below average in terms of debt transfer fees when compared to other credit card stores.

Based on information pulled from their own site, it appears that Target REDcard seems to have poor support for debt transfer fees. See the full page here. Specifically, their website provides the following information:

Transfer Intro APR: Not Offered

Learn more at the company's website.

You can also check out the top 10 credit card stores for debt transfer fees, or the overall best-performing credit card stores on our main review grid.

Looking for Target REDcard coupons? Check out the latest deals here. Want more reviews on Target REDcard? Read a more in-depth review of Target REDcard on this page.

Last reviewed February 5, 2020. Read all 2 balance transfer fees reviews.

5.0 stars

Based on reviews posted on popular review sites as well as from Capital One Venture Rewards Card's website, Capital One Venture Rewards Card performs very well in terms of debt transfer fees relative to other rewards credit card stores.

One reviewer on usnews.com said Capital One Venture Rewards Card performs well on debt transfer fees relative to its peers. You can read the full review here. From this review:

Offers no introductory 0% APR promotion for balance transfers

The review site nerdwallet.com gives Capital One Venture Rewards Card excellent ratings for debt transfer fees in a review posted on its website. From this review:

Balance transfer fee: None.

Learn more at the company's website.

You can also check out the top 10 rewards credit card stores for debt transfer fees, or the overall best-performing rewards credit card stores on our main review grid.

Looking for Capital One Venture Rewards Card coupons? Check out the latest deals here. Want more reviews on Capital One Venture Rewards Card? Read a more in-depth review of Capital One Venture Rewards Card on this page.

Last reviewed February 5, 2020. Read all 2 balance transfer fees reviews.

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Best Card Quality – Winner: Capital One Venture Rewards Card
2.0 stars

My experience is, is that the Target card can be damaged really easily. Not exactly sure why, but after having the card for a couple of years the card started to tear where the metallic strip is.

Last reviewed January 20, 2020. Read all 2 card material reviews.

5.0 stars

The card is high-quality metal.

Last reviewed January 16, 2020. Read all 2 card material reviews.

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