6 Reasons You Need a Target REDcard
Here at Free Stuff Finder, we absolutely love couponing at Target. There are so many ways to save that it makes it easy for anyone to do. One of the biggest ways to save is using a Target REDcard. Not looking to get roped into another store credit card? Spoiler alert: You don’t have to! Do you primarily use your standard bank debit card or credit card at Target anyways? Find out why you should apply for the Target REDcard to rack up those savings!
1. It doesn’t have to be a Target credit card.
The REDcard is available as a Target credit card OR a debit card. That means you can score all the savings without having to deal with paying off another credit card each month or getting a credit check! It’s deducted straight from the existing checking account it’s attached to, just like any other debit card. This automatically makes it superior to other store payment cards.
Think of it this way, if you’re already using your bank debit card to pay at Target, you may as well opt for the Target REDcard debit card to pay to score additional benefits and savings. Best of all, both of these options are completely FREE!
2. Extra 5% off everything. All the time.
How would you like to save hundreds of dollars per year without doing anything except swiping your card? Target REDcard holders score an additional 5% off their purchases all the time, every time. This is extra savings on top of coupons and Cartwheel offers.
Ready for a secret? The 5% discount even applies to non-target, third-party gift cards – discounted Disney trip, anyone? Starbucks?
Your savings will track automatically at the bottom of every receipt you use your REDcard for – you’ll be surprised how much it adds up! There are some limitations. For example, the 5% will not come off of Target Optical exams, prescriptions or Target gift card purchases (Clarification: Target Gift Cards are treated differently than 3rd-party gift cards such as Starbucks or Disney Gift Cards. You can’t get the discount on Target Gift Cards but you can on the Non-Target Gift Cards). But for regular purchases of things such as household or baby items, it definitely applies!
3. Free shipping on all purchases.
Target REDcard holders score FREE shipping on all purchases from Target.com. Non-cardholders have to pay shipping on all purchases under $25, so this is a nice little way to save an average of $8 (or more) shipping cost on all orders. Additionally, there is no coupon code required; just pay with your REDcard and the shipping charge will automatically be deducted along with your additional 5% off.
4. Extended returns on all purchases.
On top of everything else, you’ll get extended returns on all purchases (online and in-store). If you buy something with your Target REDcard and later decide you don’t want it, you’ll get an additional 30 days to return it. That’s a total of up to 120 days to return an item! Regret buying all those random Christmas decors from 90% off clearance? No problem. You have until May to return it if you present your REDcard.
Lose receipts easily? Yon won’t even need to keep it for returns! As long as you paid for the item using your Target REDcard, they’ll be able to find the item and credit you back to your card! How awesome is that?
5. Exclusive coupons.
Occasionally, Target REDcard holders will be sent exclusive mailer coupons from Target. For me, these have only come a couple of times a year at most. But, whenever I do get them they are always rare, high-value savings that non-cardholders are missing out on. The last one I got had a coupon for a FREE Dozen eggs! Don’t miss out!
6. Occasional FREEBIES
Every once in awhile, Target REDcard holders are sent exclusive offers for FREEBIES from the Target Cafe or the Starbucks locations in-stores. These are usually fun freebies like FREE popcorn, FREE Icees, etc. You don’t need a coupon or anything to get these. Just watch for when the freebies are advertised in-store (or check here) and show your REDcard instead of paying!
Save extra money all the time, whether it’s from your additional 5% off, free shipping, or exclusive coupons. Plus, get extended return periods! With all of these great perks, how can you afford to NOT have one? Sign up for your Target REDcard today. It’s easy and FREE!
Thanks, Elayna S from our Target Facebook Group for the photo of your Target coupons!
Under reason #2, it states you get 5% off gift cards. The next paragraph states gift cards are excluded from the 5% discount . Also, don’t get a red card just for coupons. I have had a red card since 2013 and have NEVER received coupons in the mail. After calling Target, they will tell you they get sent out randomly, not everyone gets them.
Hi Krista! You will receive the 5% discount on third party gift cards (like Disney) but not on Target gift cards. Hope that helps!
Hello,
So #2 states that “the 5% discount even applies to gift cards”…however, afterwards states limitations such as the “5% will not come off of …gift card purchases”. I’m a bit confused.
Hi Kim! You will receive the 5% discount on third party gift cards (like Disney) but not on Target gift cards. Hope that helps!
I would say debit so you don’t have to pay interest.
Hi Yenni! Totally agreed 🙂
Is it better to get a debit or credit card in target?
Hi Mary. It’s totally up to you which method you prefer. 🙂