Quick Facts

5% discount on all eligible Target purchases

10% discount coupon each year on your card anniversary

30 extra days for returns

Free shipping on most items at Target.com

No annual fee


Advantages

Expansive 5% Discount.

 Setting aside the important exceptions noted above and reiterated below, the Target REDcard Debit Card promises 5% off most in-store and Target.com purchases.

Free Two-day Shipping on Target.com Purchases. 

REDcard users qualify for free two-day shipping on Target.com purchases, subject to certain exceptions and restrictions. Expedited shipping still incurs a fee.

Extended Returns on Most Items. 

REDcard users also qualify for extended return windows on most Target purchases – 30 days more to decide whether they really need something.

Opportunities to Earn 5% Bonus Savings on Select Transactions. 

Select types of REDcard spending earn 5% bonus savings, for a total savings of 10% off sticker price. This includes clearance-marked items, Top Deals items, subscription products, and specialty gift cards.


Disadvantages

Important Exceptions to the 5% Discount Rule. 

The 5% REDcard discount isn’t quite universal. Notable exceptions include restaurants (except Starbucks) inside Target stores, prescriptions and clinic services at Target pharmacies, Target gift cards and prepaid cards, and gift wrap.

Doesn’t Work Outside Target. 

The Target REDcard Debit Card isn’t part of a payment processing network such as Visa or Mastercard, so it’s only eligible for use at Target stores and at Target.com. This is a major drawback for applicants hoping to replace their bank-issued debit card entirely.

No Way to Carry a Balance from Month to Month. 

While it’s best to pay off credit card balances in full by your statement due date, carrying a balance is sometimes unavoidable or (in rarer cases) even advisable. You can’t do that with this debit card. If you qualify, the Target REDcard Credit Card does allow carried balances.

Doesn’t Build Credit. 

On the bright side, you don’t need to submit to a credit check (which can temporarily depress your credit score) when you apply for this card. On the other hand, this card won’t build your credit or improve your credit score.

Full Review

For those who shop for everything at Target — food, clothes, household essentials — the perks on the Target REDcard™ Credit Card hit the bull's-eye.

The $0-annual-fee card gets you a 5% discount on all purchases, which means you don’t have to wait to redeem rewards; you’ll get savings right at checkout.

Because the Target REDcard™ Credit Card carries high ongoing interest rates, it’s not a good fit for folks who are planning to spend time, well, in the red. But for those who pay their bills in full every month and are looking for some extra savings, it’s worth getting.



Review of Target REDcard

Men’s Wearhouse Perfect Fit Credit Card

The Men’s Wearhouse Perfect Fit Credit Card is both a credit card and a rewards card for frequent shoppers, but customers don’t have to have the Perfect Fit Rewards credit card to be part of the program.With the Rewards Program, users get certificates that are valid for a period of six months after they’re issued. For every $500 in purchases a member makes, they get a $50 rewards credit. This can save a lot of money for customers who often shop in this store.

Levin's Furniture Credit Card

Visiting top-performing stores and home furnishing retailers means you need to have your pocket be filled with cash. But with Levin Furniture Credit Card, you have a most preferred and hassle-free option to deal with payment problems. Levin Furniture Credit Card is offering 0% APR and also comes more additional advantages to best meet your requirements.

Midas Credit Card

So, this Midas store card is another credit card from Synchrony Bank. But is this credit card really worth getting it? At a first sight, this credit card doesn’t seem to offer any tangible benefits. Yet, let’s discover the details of this credit card in our Midas credit card review. Midas Credit Card is a store credit card issued by Synchrony Bank. If you're wondering whether Midas Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Kohl's Credit Card

The Kohl’s Credit Card, issued by Capital One, has “bargain shopper" written all over it. Fans of the department store can combine the card’s discount offers with rewards from Kohl’s other loyalty programs to maximize their savings throughout the year. And also, the Kohl’s Credit Card has relatively standard fees as store cards go, including a high APR.

BrandSource Credit Card

The BrandSource Credit Card is a Citi-provided credit card for financing purchases at BrandSource, a major retailer of appliances, electronics, and other home products with more than 4,500 locations nationwide. Cardholders also receive no-interest financing options and special offers and rebates.It requires a low credit rating and can be used at Brandsource stores.

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