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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 Target REDcard to me. Lightbulb! Why didn’t someone explain it to me this way before? All the money saving benefits and how the Target REDCard works.
The Target 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.
Debit -Target REDCard
The debit Target REDCard works just like a debit card. You swipe it at the register, enter your pin and the money comes directly from your bank account.
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.
Target REDcard Perks
- 5% off purchases
- Free shipping at Target.com (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.
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.