Target REDcard vs Mastercard Gold Card

Product Comparison
January 18, 2021

Mastercard Gold Card vs Target REDcard: Side-by-Side Comparison

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PROS
  • Significantly better cost than Mastercard Gold Card
  • Significantly better rewards than Mastercard Gold Card
CONS
PROS
CONS
  • Worse cost than Target REDcard
  • Worse rewards than Target REDcard
Target REDcard vs. Mastercard Gold Card: Side-by-Side Comparison
Winner
Target REDcard
Criteria
Mastercard Gold 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
2.0 stars – 1 review
5.0 stars – 2 reviews
2.0 stars – 1 review
4.3 stars – 3 reviews
Additional Bonuses
5.0 stars – 1 review
4.0 stars – 2 reviews
5.0 stars – 1 review
5.0 stars – 1 review
Security Features
5.0 stars – 1 review
1.0 stars – 1 review
Cash Advance Cost
5.0 stars – 1 review
1.0 stars – 1 review
5.0 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. Mastercard Gold 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.

2.0 stars

Unfortunately, Mastercard Gold Card does not currently offer no annual fee. You can also visit Mastercard Gold Card's cost 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 cost.

Last reviewed February 7, 2020. Read all 2 no annual fee reviews.

Target REDcard
   
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Best Rewards – Winner: Target REDcard
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.

2.0 stars

Unfortunately, Mastercard Gold Card does not currently offer sign up bonus. You can also visit Mastercard Gold Card's rewards 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 rewards.

Last reviewed February 7, 2020. Read all 2 sign up bonus reviews.

Target REDcard
   
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Best Additional Bonuses – Winner: Mastercard Gold 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

Based on reviews posted on popular review sites as well as from Mastercard Gold Card's website, Mastercard Gold Card performs very well in terms of additional bonuses relative to other rewards credit card stores.

The review site creditcardinsider.com gives Mastercard Gold Card excellent ratings for additional bonuses in a review posted on its website. Specifically, this reviewer pointed out the following:

This card earns the equivalent of 2% cash back on all purchases when you redeem for a statement credit, to a bank account, or for airfare booked through Luxury Card, with a few ways to redeem rewards for less value.

The review site usnews.com gives Mastercard Gold Card excellent ratings for additional bonuses in a review posted on its website. From this review:

The Mastercard Gold Card offers a number of valuable travel benefits including no foreign transaction fees, up to a $200 annual airline credit, a fee credit toward Global Entry or TSA Precheck expedited screening and VIP airport lounge access with Priority Pass Select.

Based on information published by Mastercard Gold Card, they have excellent support for additional bonuses on a page posted on their website. From this page:

Luxury Card members enjoy invitation-only, once-in-a-lifetime experiences. Enjoy a look behind the scenes, sit courtside, see the dress rehearsal before opening night or learn skills from top experts in their trade. Mastercard Priceless delivers exclusive opportunities to go beyond the ordinary.

Learn more at the company's website.

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

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

Last reviewed February 7, 2020. Read all 2 perks reviews.

Target REDcard
   
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Best APR – Winner: Mastercard Gold Card
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.

5.0 stars

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

One reviewer on creditcardinsider.com said Mastercard Gold Card performs well on APR relative to its peers. You can read the full review here. From this review:

The intro APR on balance transfers is OK, but it’s not something people considering this card would likely need. It would probably be a better idea to put the $995 toward paying off credit card balances than opening this expensive card and transferring a balance to it!

One reviewer on thepointsguy.com said Mastercard Gold Card performs well on APR relative to its peers. You can read the full review here. From this review:

I was hoping perhaps the marketing literature for the card left something out that would make a $995 annual fee worthwhile. With cards like the Citi Prestige and The Platinum Card from American Express offering more valuable points plus Priority Pass lounge access and free hotel nights for half the annual fee of the Gold Card, the Gold Card is a particularly hard sell.

The review site cardratings.com gives Mastercard Gold Card excellent ratings for APR in a review posted on its website. Specifically, this reviewer pointed out the following:

With that said, we also like that the Mastercard® Gold Card™ has a competitive 16.49% Variable APR. While an introductory rate on purchases would be nice, this ongoing rate is solid, and the card does offer a 0% APR on balance transfers for the first 15 billing cycles you have the card.

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 Mastercard Gold Card coupons? Check out the latest deals here. Want more reviews on Mastercard Gold Card? Read a more in-depth review of Mastercard Gold Card on this page.

Last reviewed February 7, 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 Mastercard Gold Card's website, Mastercard Gold Card performs very well in terms of security features relative to other rewards credit card stores.

The review site luxurycard.com gives Mastercard Gold Card excellent ratings for security features in a review posted on its website. Here's a brief quote from this review:

Mastercard ID Theft Protection™ Have peace of mind with access to a number of Identity Theft resolution services. Provides 24 hours a day, 7 days a week assistance with replacement of your card and notifying the credit agencies should you become the victim of identity theft.

The review site thebalance.com gives Mastercard Gold Card excellent ratings for security features in a review posted on its website. From this review:

The Mastercard Gold Card provides fraud and account protection that’s standard for the industry, including zero liability for fraudulent purchases. You’ll also be covered by Mastercard’s ID theft protection service, which will help with card replacement and credit bureau notification if you should become a victim of identity theft.

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 Mastercard Gold Card coupons? Check out the latest deals here. Want more reviews on Mastercard Gold Card? Read a more in-depth review of Mastercard Gold Card on this page.

Last reviewed February 7, 2020. Read all 2 fraud protection reviews.

Target REDcard
   
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Best Cash Advance Cost – Winner: Mastercard Gold 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.

5.0 stars

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

The review site moneycrashers.com gives Mastercard Gold Card excellent ratings for cash advance cost in a review posted on its website. Here's a brief quote from this review:

Cash advances cost the greater of $10 or 5%.

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 Mastercard Gold Card coupons? Check out the latest deals here. Want more reviews on Mastercard Gold Card? Read a more in-depth review of Mastercard Gold Card on this page.

Last reviewed February 7, 2020. Read all 2 cash advance fees reviews.

Target REDcard
   
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Best Late Fees – Winner: Mastercard Gold 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.

5.0 stars

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

The review site finder.com gives Mastercard Gold Card excellent ratings for late fees in a review posted on its website. Specifically, this reviewer pointed out the following:

For each late or returned payment, you could pay a fee as high as $37, depending on your state.

The review site investorjunkie.com gives Mastercard Gold Card excellent ratings for late fees in a review posted on its website. Specifically, this reviewer pointed out the following:

There are late payment and returned payment fees of up to $37, but there are no foreign transaction fees.

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 Mastercard Gold Card coupons? Check out the latest deals here. Want more reviews on Mastercard Gold Card? Read a more in-depth review of Mastercard Gold Card on this page.

Last reviewed February 7, 2020. Read all 2 late payment fees reviews.

Target REDcard
   
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Best Return Check Fee – Winner: Mastercard Gold 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 Mastercard Gold Card's website, Mastercard Gold Card performs very well in terms of return check fee relative to other rewards credit card stores.

The review site finder.com gives Mastercard Gold Card excellent ratings for return check fee in a review posted on its website. Specifically, this reviewer pointed out the following:

For each late or returned payment, you could pay a fee as high as $37, depending on your state.

The review site investorjunkie.com gives Mastercard Gold Card excellent ratings for return check fee in a review posted on its website. Specifically, this reviewer pointed out the following:

There are late payment and returned payment fees of up to $37, but there are no foreign transaction fees.

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 Mastercard Gold Card coupons? Check out the latest deals here. Want more reviews on Mastercard Gold Card? Read a more in-depth review of Mastercard Gold Card on this page.

Last reviewed February 7, 2020. Read all 2 returned payment fees reviews.

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

Based on information published by Mastercard Gold Card, they have excellent support for damage and loss protection on a page posted on their website. Specifically, their website provides the following information:

$0 Fraud Liability Protection Pay only for purchases you have authorized with your Luxury Card, whether you pay in a store, over the phone or online. As a Cardmember, you are not responsible in the event someone makes unauthorized purchases with your card.

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 Mastercard Gold Card coupons? Check out the latest deals here. Want more reviews on Mastercard Gold Card? Read a more in-depth review of Mastercard Gold Card on this page.

Last reviewed February 7, 2020. Read all 2 purchase protection reviews.

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

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

Extended warranty doubles the original manufacturer's or store brand warranty for up to one year when you pay with your eligible Mastercard.

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 Mastercard Gold Card coupons? Check out the latest deals here. Want more reviews on Mastercard Gold Card? Read a more in-depth review of Mastercard Gold Card on this page.

Last reviewed February 7, 2020. Read all 2 extended warranty protection reviews.

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

Last reviewed February 7, 2020. Read all 2 no foreign transaction fees reviews.

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

Last reviewed February 7, 2020. Read all 2 tap to pay reviews.

Target REDcard
   
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Best Debt Transfer Fees – Winner: Mastercard Gold 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 Mastercard Gold Card's website, Mastercard Gold Card performs very well in terms of debt transfer fees relative to other rewards credit card stores.

The review site moneycrashers.com gives Mastercard Gold Card excellent ratings for debt transfer fees in a review posted on its website. Specifically, this reviewer pointed out the following:

Balance transfers cost the greater of $5 or 3%.

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 Mastercard Gold Card coupons? Check out the latest deals here. Want more reviews on Mastercard Gold Card? Read a more in-depth review of Mastercard Gold Card on this page.

Last reviewed February 7, 2020. Read all 2 balance transfer fees reviews.

Target REDcard
   
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Best Card Quality – Winner: Mastercard Gold 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

Based on reviews posted on popular review sites as well as from Mastercard Gold Card's website, Mastercard Gold Card performs very well in terms of card quality relative to other rewards credit card stores.

The review site creditcardinsider.com gives Mastercard Gold Card excellent ratings for card quality in a review posted on its website. From this review:

If you want a heavy, thick, metal credit card plated in actual 24k-gold, this may be the card for you.

Based on information published by Mastercard Gold Card, they have excellent support for card quality on a page posted on their website. Here's a snippet from the information published on their site:

Each Mastercard Gold Card is made with a 24K-gold-plated stainless steel front and carbon back.

Learn more at the company's website.

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

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

Last reviewed September 14, 2020. Read all 2 card material reviews.

Target REDcard
   
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