Target's Financial and Retail Services (FRS) is an integral part of Target Corporation's business strategy, designed to enhance customer loyalty and drive sales. The division's primary offerings are the Target RedCard (available as a credit card and a debit card) and Target GiftCards. The RedCard provides cardholders with exclusive benefits, such as a 5% discount on most purchases. While Target Corporation manages the program and services, the credit cards are issued by a partner bank (TD Bank USA, N.A.). This division plays a key role in Target's ecosystem by creating a closed-loop payment system that provides valuable data and strengthens the customer relationship.

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