Target REDcard vs Chase Sapphire Reserve

Product Comparison
January 18, 2021

Chase Sapphire Reserve vs Target REDcard: Side-by-Side Comparison

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Target REDcard vs. Chase Sapphire Reserve: Side-by-Side Comparison
Winner
Target REDcard
Criteria
Chase Sapphire Reserve
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
5.0 stars – 1 review
5.0 stars – 2 reviews
5.0 stars – 1 review
4.3 stars – 3 reviews
Additional Bonuses
4.0 stars – 1 review
4.0 stars – 2 reviews
4.0 stars – 1 review
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
4.0 stars – 1 review
3.0 stars – 1 review
Return Check Fee
4.0 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
4.0 stars – 1 review
2.0 stars – 1 review
Card Quality
0.0 stars – 0 reviews
Target REDcard
   
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Target REDcard vs. Chase Sapphire Reserve: Comparison Details

Best Cost – Tie
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.

5.0 stars

Yes, Chase Sapphire Reserve does offer annual fee. You can find additional information about Chase Sapphire Reserve's cost on their customer service page here. You can also visit their homepage to see if Chase Sapphire Reserve has posted additional information on their cost.

Last reviewed January 30, 2020. Read all 2 no annual fee reviews.

Target REDcard
   
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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

Yes, Chase Sapphire Reserve does offer sign up bonus. You can find additional information about Chase Sapphire Reserve's rewards on their customer service page here. You can also visit their homepage to see if Chase Sapphire Reserve has posted additional information on their rewards.

Last reviewed January 30, 2020. Read all 2 sign up bonus reviews.

Target REDcard
   
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Best Additional Bonuses – Winner: Target REDcard
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.

4.0 stars

Based on reviews posted on popular review sites as well as from Chase Sapphire Reserve's website, Chase Sapphire Reserve performs very well in terms of perks relative to other rewards credit card stores.

One reviewer on thepointsguy.com said Chase Sapphire Reserve performs well on perks relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

One of the biggest benefits of the card is the $300 annual travel credit, because it can be applied toward purchases that qualify as travel (defined above).

Based on a review posted on chase.com, Chase Sapphire Reserve was rated as fairly average for perks relative to competing rewards credit card stores. Check out the entire review here. Here's a brief quote from this review:

This is a great card with great benefits and great customer service. But I must dock it a couple of stars because, at present, its online transaction details show transactions only in dollars.

Based on a review posted on forbes.com, Chase Sapphire Reserve was rated as fairly average for perks relative to competing rewards credit card stores. Check out the entire review here. Specifically, this reviewer pointed out the following:

The Chase Sapphire Reserve is an excellent credit card for those looking for great travel perks, access to the Ultimate Rewards portal and high dining rewards.

Learn more at the company's website.

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

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

Last reviewed November 27, 2019. Read all 2 perks reviews.

Target REDcard
   
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Best APR – Tie
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

Based on reviews posted on popular review sites as well as from Chase Sapphire Reserve's website, Chase Sapphire Reserve performs very well in terms of APR relative to other rewards credit card stores.

Based on information pulled from Chase Sapphire Reserve's website, Chase Sapphire Reserve performs well on APR relative to its peers. You can read additional information here. Specifically, their website provides the following information:

18.49%–25.49% variable APR.†

One reviewer on creditcards.com said Chase Sapphire Reserve performs well on APR relative to its peers. You can read the full review here. From this review:

18.49-25.49% (variable)

One reviewer on usnews.com said Chase Sapphire Reserve performs well on APR relative to its peers. You can read the full review here. Here's a brief quote from this review:

Chase Sapphire Reserve has some impressive features, but APR isn’t one of them. The card has no introductory 0% APR on purchases or balance transfers, so you’ll be on the hook for interest on any balance you carry. Paying your balance in full each month is a good idea to avoid interest charges.

Learn more at the company's website.

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

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

Last reviewed February 9, 2020. Read all 2 interest rates reviews.

Target REDcard
   
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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 Chase Sapphire Reserve's website, Chase Sapphire Reserve performs very well in terms of security features relative to other rewards credit card stores.

Based on information published by Chase Sapphire Reserve, they have excellent support for security features on a page posted on their website. From this page:

We help safeguard your account using sophisticated real-time fraud monitoring. You can rest easier knowing that your card transactions will be monitored for possible signs of fraudulent activity.

One reviewer on thebalance.com said Chase Sapphire Reserve performs well on security features relative to its peers. You can read the full review here. Here's a brief quote from this review:

Other than standard security features like alerts about suspicious transactions, Chase also allows you to easily lock your card via the Chase mobile app if you misplace your card, to avoid potential fraud. Lost or stolen cards are replaced for free, too.

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 Chase Sapphire Reserve coupons? Check out the latest deals here. Want more reviews on Chase Sapphire Reserve? Read a more in-depth review of Chase Sapphire Reserve on this page.

Last reviewed February 9, 2020. Read all 2 fraud protection reviews.

Target REDcard
   
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Best Cash Advance Cost – Winner: Chase Sapphire Reserve
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 Chase Sapphire Reserve's website, Chase Sapphire Reserve performs very well in terms of cash advance cost relative to other rewards credit card stores.

One reviewer on finder.com said Chase Sapphire Reserve performs well on cash advance cost relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

$10 or 5% of the cash advance amount, whichever is greater

One reviewer on forbes.com said Chase Sapphire Reserve performs well on cash advance cost relative to its peers. You can read the full review here. From this review:

Cash Advance: Either $10 or 5% of the amount of each transaction, whichever is greater.

One reviewer on wallethub.com said Chase Sapphire Reserve performs well on cash advance cost relative to its peers. You can read the full review here. From this review:

The Chase Sapphire Reserve cash advance fee is $10 or 5% of the transaction amount, whichever is greater. And the Sapphire Reserve cash advance rate, which kicks in right away, is 26.24% (V).

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 Chase Sapphire Reserve coupons? Check out the latest deals here. Want more reviews on Chase Sapphire Reserve? Read a more in-depth review of Chase Sapphire Reserve on this page.

Last reviewed February 9, 2020. Read all 2 cash advance fees reviews.

Target REDcard
   
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Best Late Fees – Winner: Chase Sapphire Reserve
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.

4.0 stars

Based on reviews posted on popular review sites as well as from Chase Sapphire Reserve's website, Chase Sapphire Reserve performs very well in terms of late fees relative to other rewards credit card stores.

One reviewer on forbes.com said Chase Sapphire Reserve performs well on late fees relative to its peers. You can read the full review here. Here's a brief quote from this review:

Late Penalty: Up to $39

One reviewer on finder.com said Chase Sapphire Reserve performs well on late fees relative to its peers. You can read the full review here. Here's a brief quote from this review:

Late payment fee Up to $39

One reviewer on usnews.com said Chase Sapphire Reserve performs well on late fees relative to its peers. You can read the full review here. From this review:

It does, however, have an annual fee for authorized users at $75 per card and a late fee of up to $39.

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 Chase Sapphire Reserve coupons? Check out the latest deals here. Want more reviews on Chase Sapphire Reserve? Read a more in-depth review of Chase Sapphire Reserve on this page.

Last reviewed February 9, 2020. Read all 2 late payment fees reviews.

Target REDcard
   
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Best Return Check Fee – Winner: Chase Sapphire Reserve
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.

4.0 stars

Based on reviews posted on popular review sites as well as from Chase Sapphire Reserve's website, Chase Sapphire Reserve performs very well in terms of return check fee relative to other rewards credit card stores.

One reviewer on finder.com said Chase Sapphire Reserve performs well on return check fee relative to its peers. You can read the full review here. From this review:

Returned payment fee Up to $39

One reviewer on creditcardinsider.com said Chase Sapphire Reserve performs well on return check fee relative to its peers. You can read the full review here. From this review:

Up to $39

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 Chase Sapphire Reserve coupons? Check out the latest deals here. Want more reviews on Chase Sapphire Reserve? Read a more in-depth review of Chase Sapphire Reserve on this page.

Last reviewed February 9, 2020. Read all 2 returned payment fees reviews.

Target REDcard
   
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Best Damage and Loss Protection – Winner: Chase Sapphire Reserve
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 Chase Sapphire Reserve's website, Chase Sapphire Reserve performs very well in terms of damage and loss protection relative to other rewards credit card stores.

Based on information published by Chase Sapphire Reserve, they have excellent support for damage and loss protection on a page posted on their website. From this page:

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.*

The review site creditcards.com gives Chase Sapphire Reserve excellent ratings for damage and loss protection in a review posted on its website. Specifically, this reviewer pointed out the following:

Eligible purchases made on your Chase Sapphire Reserve card are protected against damage or theft for the first 120 days (up to $10,000 per claim, $50,000 per year).

The review site wallethub.com gives Chase Sapphire Reserve excellent ratings for damage and loss protection in a review posted on its website. Here's a brief quote from this review:

Chase Sapphire Reserve purchase protection covers you for up to $10,000 per item if something you buy with Reserve gets lost, stolen or damaged within 120 days of purchase. Chase will repair the item, order you a new one or give you a refund, whichever is cheaper. The annual coverage limit is $50,000.

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 Chase Sapphire Reserve coupons? Check out the latest deals here. Want more reviews on Chase Sapphire Reserve? Read a more in-depth review of Chase Sapphire Reserve on this page.

Last reviewed February 9, 2020. Read all 2 purchase protection reviews.

Target REDcard
   
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Best Extended Warranty Protection – Winner: Chase Sapphire Reserve
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 Chase Sapphire Reserve's website, Chase Sapphire Reserve performs very well in terms of extended warranty protection relative to other rewards credit card stores.

Based on information published by Chase Sapphire Reserve, they have excellent support for extended warranty protection on a page posted on their website. Specifically, their website provides the following information:

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.*

One reviewer on wallethub.com said Chase Sapphire Reserve performs well on extended warranty protection relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

The Chase Sapphire Reserve extended warranty benefit gives you an extra year of coverage if you buy something with a warranty of 3 years or fewer.

The review site boardingarea.com gives Chase Sapphire Reserve excellent ratings for extended warranty protection in a review posted on its website. From this review:

Extends the time period of the U.S. manufacturer’s warranty by an additional year. Only on eligible warranties of three years or less.

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 Chase Sapphire Reserve coupons? Check out the latest deals here. Want more reviews on Chase Sapphire Reserve? Read a more in-depth review of Chase Sapphire Reserve on this page.

Last reviewed February 9, 2020. Read all 2 extended warranty protection reviews.

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Best Foreign Transaction Costs – Winner: Chase Sapphire Reserve
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, Chase Sapphire Reserve does offer no foreign transaction fees. You can find additional information about Chase Sapphire Reserve's foreign transaction costs on their customer service page here. You can also visit their homepage to see if Chase Sapphire Reserve has posted additional information on their foreign transaction costs.

Last reviewed February 9, 2020. Read all 2 no foreign transaction fees reviews.

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Best Contactless Payment – Winner: Chase Sapphire Reserve
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, Chase Sapphire Reserve does offer tap to pay. You can find additional information about Chase Sapphire Reserve's contactless payment on their customer service page here. You can also visit their homepage to see if Chase Sapphire Reserve has posted additional information on their contactless payment.

Last reviewed February 9, 2020. Read all 2 tap to pay reviews.

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Best Debt Transfer Fees – Winner: Chase Sapphire Reserve
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.

4.0 stars

Based on reviews posted on popular review sites as well as from Chase Sapphire Reserve's website, Chase Sapphire Reserve performs very well in terms of debt transfer fees relative to other rewards credit card stores.

One reviewer on forbes.com said Chase Sapphire Reserve performs well on debt transfer fees relative to its peers. You can read the full review here. From this review:

Balance Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater

One reviewer on creditcardinsider.com said Chase Sapphire Reserve performs well on debt transfer fees relative to its peers. You can read the full review here. Specifically, this reviewer pointed out the following:

Either $5 or 5% of the amount of each transfer, whichever is greater.

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 Chase Sapphire Reserve coupons? Check out the latest deals here. Want more reviews on Chase Sapphire Reserve? Read a more in-depth review of Chase Sapphire Reserve on this page.

Last reviewed February 9, 2020. Read all 2 balance transfer fees reviews.

Target REDcard
   
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