Target RedCard is a private-label credit card that provides exclusive benefits to those who shop at Target. It is available in three types : Debit Card, Credit Card, and Mastercard. The Target RedCard Debit card connects to your checking account, so it makes payments directly, no credit check.
Also, similar to store card the Target RedCard Credit Card give you 5% discount in all of your purchases at Target and Target. com. If you’re looking for a card that you can use more broadly than just Target, the Target RedCard Mastercard is an option that still comes with Target-related benefits.
All RedCard holders receive costless 2-day shipping, longer return periods, and year-finish discounts. If you are a frequent visitor of Target, the key benefit is the automatic 5% discount on eligible purchases. The credit version, however, has an APR, so paying off balances is paramount to avoid interest charges. Includes even more benefits on the redcard linked, but in general the target redcard saves customers money.
Types of Target RedCard
Below are the various types of RedCard:
1. Target RedCard Debit Card
A debit card is directly linked to a user’s checking account, enabling purchases without requiring a credit check. It features 5% off all Target purchases, free two-day shipping, and a longer return window.
And because it’s not a credit card, you don’t have to worry about interest charges or monthly bills.
2. Target RedCard Credit Card
This is a Target only store credit card. com. It includes the same 5% savings, free shipping and extended returns but charges an APR, meaning it accrues interest if not paid off.
You do need a credit check in order to qualify.
3. Target RedCard Mastercard
The Mastercard version has a much broader acceptance footprint as it can be used anywhere Mastercard is accepted (unlike the store credit card).
It’s packed with all the RedCard benefits at Target, for example, the 5% discount, but it also functions like a regular credit card with a corresponding APR on unpaid balances.
Key Benefits of Target RedCard
In particular, there are some highlights to owning a Target RedCard. What you enjoy with the Debit Card, Credit Card or the Mastercard?
1. 5% Discount on Purchases
This means that one of the greatest benefits of having a Target RedCard is the automatic 5% discount on almost all purchases at Target stores and Target. com.
The discount works on groceries, clothing, electronics, even clearance items. That adds up to a lot over time for regular Target shoppers.
2. Free 2-Day Shipping on Orders Made Online
RedCard holders get free 2-day shipping for their Target purchases. com, and there are no extra shipping charges.
That’s a nice benefit for customers who frequently order household goods, clothing or electronics online.
3. Extended Return Period
RedCard members receive an additional 30 days to return most items, so you have more time to determine if you want to keep your purchase.
The extended return policy also applies to stores and online orders.
4. Special Offers and Early Access to Deals
Benefits include exclusive discounts, special promotions and early access to select sales.
This can be especially useful during seasonal sales as well as holiday shopping events, where RedCard users get to jump in on limited-time deals ahead of the rest of the public.
5. No Annual Fee
Unlike most store credit cards, the Target RedCard has no annual fee, making it an inexpensive choice for regular shoppers.
No matter which version you opt for, debit or credit, you get all that with no additional costs.
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