- Sign-Up Bonus
- Annual Fee
The Target REDcard gives you an instant 5% discount when you use it to purchase items at Target stores and Target.com. There are additional perks such as free shipping from Target.com, a 1% donation to a school of your choice, and additional rewards if you fill prescriptions at the Target Pharmacy. If you ever shop at Target then you should have the Target REDcard.
- Instantly get 5% off at Target stores and Target.com
- Free shipping on any orders from Target.com
- 1% of all purchases at Target are donated to the non-profit school of your choice
- 0.5% of all purchases anywhere else donated to school of choice (credit card only)
- Both debit and credit cards are available — we prefer debit
- Combine with Target Pharmacy Rewards to get 10% off one day of shopping
- It can only be used at Target stores or Target.com (debit card only)
5% Off at Target Stores and Target.com
When you use your Target Debit Card™ Target Credit Card® or Target® Visa® Credit Card (each, a “REDcard®”) at Target stores in the U.S. or Target.com, you will receive 5% off your purchases.
There just isn’t a better way to give customers rewards than to give an immediate discount at checkout, and that’s exactly what the Target REDcard does. If you have $100 worth of stuff at checkout, your card will only be charged $95. It’s a beautiful thing.
There are a few things that don’t get the 5% discount at target. The category that probably affects most people is prescriptions, but here is the full list of things that are not 5% off with your REDcard:
- Prescriptions, Target Clinic® services and Target Optical® eye exams
- Target gift cards and prepaid cards
- Previous purchases
- Target credit account payments, Target Debit Card cash back and cash advances on the Target Visa Credit Card
- Target Commercial Interiors® purchases
- Gift wrap and shipping and handling charges on Target.com purchases
- Where otherwise prohibited by law
Free Shipping on Target.com
When you use your Target Debit Card™ Target Credit Card® or Target® Visa® Credit Card (each, a “REDcard®”) on Target.com, you will receive free shipping on your Target.com purchases.
Just like it says, you don’t pay for standard shipping when you buy something at Target.com (in addition to 5% off the purchase price). If you want expedited shipping you will have to pay for that, but as long as you plan your purchases ahead and can wait for their standard shipping then you’ll never pay any shipping costs. No matter how small your purchase the shipping is free.
If you can’t wait for something to be shipped and don’t want to pay for expedited shipping, you can always try to find your item in a local store and go pick it up immediately.
Get Money for Schools with Take Charge of Education
Designate an eligible K-12 school, and Target donates an amount equal to one percent (1%) of your Target Credit Card, Target Visa Credit Card or Target Debit Card purchases (minus returns and sales tax) at any Target store and Target.com, and one-half percent (1/2%) of your Target Visa Credit Card purchases made (not including cash advances, balance transfers and purchases of other cash equivalents, and minus returns and sales tax) everywhere else Visa credit cards are accepted.
You don’t just save money when you use your REDcard; you can also earn money for your favorite eligible K-12 school. This is a great way to give back to a school of your choice, and it really does make a difference. My mom is a teacher and 1% of my purchases go to her school. There are 101 people with REDcards attached to my mom’s school and their combined spending earned $2,276.84 for the school last year.
If you want to see how much this program benefits your favorite school, you can find that information on the Take Charge of Education website.
Get an Extra 5% off With Pharmacy Rewards
When you enroll in Pharmacy Rewards and fill five eligible prescriptions at Target Pharmacy, you’ll earn a certificate for 5% off* a day of Target shopping. Stack this with your everyday 5% REDcard discount for ultimate savings.
What’s better than 5% off your entire bill? How about 10% off your entire bill! For every five prescriptions you fill at Target you’ll get a certificate that can be redeemed for an additional 5% off your entire purchase. 5% from the REDcard + 5% from Pharmacy Rewards = 10% off. That’s a pretty sweet deal and can be really helpful on back to school shopping or large purchases like a new television.
Annual Fee = $0
There is no annual fee for either the debit or credit card.
No Sign-Up Bonus
There is no sign-up bonus for this card, but when you’re getting instant 5% discounts without an annual fee who needs a sign-up bonus?
Reward Boost Verdict
If you shop at Target then I can’t think of one good reason not to have this card. There isn’t another card available that will give you 5% back at Target, and there certainly isn’t one that will donate an extra 1% to a school of your choice. You also can’t beat the instant discount at checkout.
We highly recommend the debit version of the Target REDcard to anyone who shops at Target, even if it’s only once a year.