Benefits of a Target REDcard- Is it Worth it?

The holidays are quickly approaching and now is the time to get ready to save money on all of your purchases. In almost every store they ask if you want to sign up for their store credit card. Which cards are really worth it? One card that has so many benefits that you’ve heard us talk a lot about is the Target REDcard. There is a Credit and a Debit version. So, is it worth it?

Here are the benefits of the debit and credit Target REDcards:

debit card

  • links to your existing checking account
  • cash withdrawal at checkout up to $40
  • view transactions & manage your PIN at Target.com/myREDcard
  • stack your savings with Cartwheel, Target Subscriptions & other discounts
  • 5% savings every trip to Starbucks within Target stores
  • Save an extra 5% at Target & Target.com each & every day
  • Free shipping on most items at Target.com
  • Extended returns for 30 extra days at Target or Target.com
  • **New: get early access to special events, products & promotions just for being a REDcard holder
  • **New: REDcard holders get exclusive extras, including special items, offers & 10% off coupon as a gift on your REDcard anniversary each year

credit card

  • charge your Target purchases in-store & at Target.com
  • receive a monthly bill
  • check balance, make payments & review statements at Target.com/myREDcard
  • stack your savings with Cartwheel, Target Subscriptions & other discounts
  • 5% savings every trip to Starbucks within Target stores
  • Save an extra 5% at Target & Target.com each & every day
  • Free shipping on most items at Target.com
  • Extended returns for 30 extra days at Target or Target.com
  • **New: get early access to special events, products & promotions just for being a REDcard holder
  • **New: REDcard holders get exclusive extras, including special items, offers & 10% off coupon as a gift on your REDcard anniversary each year

With all of these benefits, I would definitely say this card is worth it! I would suggest going the Debit Card route. That way you don’t need to get your credit pulled, you won’t have a balance you need to pay off, there are no fees, no interest- nothing. The amount just goes directly out of your account. With the holidays coming up, saving an additional 5% off EVERY purchase and getting FREE shipping from Target is a definite bonus. The savings will add up and it will be worth it. So if you don’t have a Target REDcard you can apply for one now and start your savings.

Do you have a Target REDcard? What do you think about it?

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