REDcard might be an obvious credit card option for people who regularly shop at Target and want a discount on all their purchases. The $0 annual fee, free two-day shipping on qualifying purchases, and an extended return period are generous incentives that come with the card.


The Target Redcard debit card is a notable exception to some of these rules, offering savings and benefits without triggering a credit deduction or affecting other aspects of your credit.

Target REDcard defies our general rule of thumb to avoid debit card spending because you get at least 5% cashback for nearly every dollar you spend on this card, even before you consider extra perks like free shipping and limited-time offers or coupons. stackable. . Most debit cards fall far short of offering these types of rewards.

Here Are Some Portal Features

  • Get 5% off Target and its partners
  • In my opinion, the most compelling feature of the Target REDcard is the automatic 5% refund offered on all purchases made at Target or Target.com, although there is a RedCard that includes prescriptions, free pharmacy items, optical services and Target cards. as a gift from Target. For someone who spends a lot at Target or on expensive items like electronics or furniture, this discount could be extremely beneficial. One can save $500 just on the discount alone if a shopper spends $10,000 a year at Target.
  • Ease of delivery is also a big plus. As your savings are automatically applied at the time of purchase, you don’t have to worry about claiming your rewards later or waiting for rewards to post to your account. (Some discount cards require a few billing cycles to deposit rewards.)
  • The 5% discount applies to more purchases than Target. When you pay with your REDcard, you also receive a discount on special gift card purchases, daily item subscriptions, shipping purchases (excluding membership fees), and Starbucks at Target stores.
  • Enjoy Free Shipping on All Target Orders
  • Shopping at Target.com with a REDcard gives you free shipping on all purchases. Some items may even be eligible for two-day shipping free of charge, depending on your location. This free shipping benefit can come in handy when it comes to saving money and time while on vacation.