The Target REDCard Explained

*This post may contain affiliate links which means I earn a small commission if you purchase something by clicking my link, at no cost to you. Thank you!

Target REDcard Explained
*This post contains affiliate links, which means I receive a small commission if you join or purchase something via my link at no cost to you! Thank you!

If you’re like me there’s no greater place to shop than Target.  You’ve heard the jokes about going in for one thing and coming out with 20.  (It’s no joke)  I will confess there was one time I left Target with nothing.  It was a sad day.  A couple of weeks ago I lived the dream of wandering around Target, alone, Starbucks drink in my hand and time on my side.  It was a good day.

At the end of every Target trip when you’re checking out you’re always faced with the same question, “Would you like to apply for a Target REDcard?”  Now I’m a Dave Ramsey Girl so my automatic response is always “NO” ( see post on finances if you’re curious why). Until one day a friend explained the REDcard to me.  Lightbulb!  Why didn’t someone explain it to me this way before?

The REDcard Explained

First off, there is a Debit card and Credit card option.  Again, being a Dave Ramsey girl I chose the Debit Card option and would suggest that option.

It works just like a debit card. You swipe it at the register, enter your pin and the money comes directly from your bank account.


  • 5% off purchases
  • Free shipping at (no minimum purchase)
  • Extended returns — 30 extra days
  • Up to 1% of purchases go to school of your choice
  • The online application process for debit and credit has immediate approval (except for some debit applications that require a few days to confirm a bank account)
  • REDcard holders can easily check their debit card transaction history and manage their PIN
  • Exclusive offers available only to REDcard holders

You get discounts and free shipping.  They don’t have to pay processing fees.  Win, Win.  I saved over $116.00 last year.

The credit card option works just like a credit card, which means, interest rates and fees.  I suggest sticking with the Debit option and buy only what you can afford and avoid debt.  Just my two cents.

Use my link to sign-up and start saving today.  Want to save even more?  Check out my post on Modern Day Couponing that gives you all the details on ways you can save at Target through apps like Cartwheel & Ibotta.

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