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Joseph Kharlamov
Joseph Kharlamov

RedCard: The Ultimate Way to Save at Target and Online


RedCard: The Ultimate Store Card for Target Shoppers




If you are a loyal Target customer, you might have heard of the RedCard, a store card that offers a range of perks and discounts. But is it worth getting one? How does it compare with other store cards and credit cards? In this article, we will answer these questions and more, so you can decide if the RedCard is right for you.


What is RedCard and how does it work?




RedCard is a program that offers three types of cards for Target shoppers:




redcard


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RedCard Credit Card




This is a credit card that can be used at Target stores and online at Target.com. It has no annual fee, but it charges a high APR of 27.65% variable. It also offers a welcome bonus of $40 off a future qualifying purchase over $40 when approved for a new account.


RedCard Debit Card




This is a debit card that can be used at Target stores and online at Target.com. It has no annual fee or APR, but it requires a checking account to link to. It also offers a welcome bonus of $40 off a future qualifying purchase over $40 when approved for a new account.


RedCard Reloadable Account




This is a reloadable account that can be used anywhere Visa debit cards are accepted. It has no annual fee or APR, but it charges some fees for reloading, withdrawing, or transferring money. It also offers a welcome bonus of $40 off a future qualifying purchase over $40 when approved for a new account.


What are the benefits of RedCard?




All three types of RedCards offer the following benefits:


5% off every day at Target and Target.com




This is the main perk of the RedCard program. You get an instant 5% discount on most purchases at Target stores and online at Target.com. This applies to regular prices, sale prices, clearance items, gift cards, subscriptions, and more. Some exclusions apply, such as prescriptions, eye exams, clinic services, alcohol, tobacco, lottery tickets, etc.


Free 2-day shipping on hundreds of thousands of items




Another perk of the RedCard program is free 2-day shipping on hundreds of thousands of items at Target.com. There is no minimum purchase threshold or membership fee required. Some items may not qualify for 2-day shipping due to size, weight, or availability.


RedCard Exclusives including special items and offers




As a RedCard holder, you also get access to exclusive extras such as special items, gifts, and offers throughout the year. These may vary depending on the season, occasion, or promotion. For example, you may get a free birthday gift, a 10% off coupon on your anniversary, or early access to new products or sales.


More return time at Target




Another benefit of the RedCard program is an extra 30 days to return items purchased at Target or Target.com. This is in addition to the standard 90-day return policy that applies to most items. Some items may have a different return policy or may not be eligible for returns.


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Other perks depending on the card type




Depending on the type of RedCard you have, you may also enjoy some additional perks such as:



  • RedCard Credit Card: You can enroll in the Target Circle loyalty program and earn 1% cash back on every purchase, which can be redeemed at Target or donated to a nonprofit organization of your choice. You can also get access to a free credit score and credit monitoring service through TransUnion.



  • RedCard Debit Card: You can enroll in the Target Circle loyalty program and earn 1% cash back on every purchase, which can be redeemed at Target or donated to a nonprofit organization of your choice. You can also withdraw up to $40 cash at checkout in-store.



  • RedCard Reloadable Account: You can enroll in the Target Circle loyalty program and earn 1% cash back on every purchase, which can be redeemed at Target or donated to a nonprofit organization of your choice. You can also use your card anywhere Visa debit cards are accepted, and get cash back at participating merchants.



What are the disadvantages of RedCard?




While the RedCard program offers many benefits, it also has some drawbacks that you should be aware of before applying for one. Here are some of the disadvantages of the RedCard program:


High APR and fees for the credit card




The RedCard Credit Card has a high APR of 27.65% variable, which means that if you carry a balance from month to month, you will pay a lot of interest on your purchases. This can quickly outweigh the savings from the 5% discount. The credit card also charges fees for late payments, returned payments, cash advances, balance transfers, and foreign transactions.


Limited use outside of Target




The RedCard Credit Card and Debit Card can only be used at Target stores and online at Target.com. This means that you cannot use them for other purchases or emergencies. The Reloadable Account can be used anywhere Visa debit cards are accepted, but it may not offer the same rewards or benefits as other credit cards or debit cards.


Some purchases do not qualify for the 5% discount




The 5% discount that applies to most purchases at Target and Target.com does not apply to some items or services such as prescriptions, eye exams, clinic services, alcohol, tobacco, lottery tickets, gift cards from other retailers, etc. You should check the terms and conditions of the RedCard program for a full list of exclusions.


How to apply for RedCard and manage your account?




If you are interested in getting a RedCard, you can apply online or in-store. Here are the steps to follow:


Online application process




To apply online, you will need to visit the Target website and choose the type of card you want: credit card, debit card, or reloadable account. You will then need to fill out an application form with your personal information, such as name, address, phone number, email address, date of birth, social security number, income, etc. You will also need to provide your checking account information if you are applying for the debit card or reloadable account. You will then need to agree to the terms and conditions of the RedCard program and submit your application. You will receive an instant decision on your approval status. If approved, you will receive your card in the mail within 7-10 business days.


Manage My RedCard online portal




To manage your RedCard account online, you will need to register for the Manage My RedCard portal on the Target website. You will need to provide your card number, name, zip code, and security code. You will then need to create a username and password and set up some security questions. Once registered, you can access your account online anytime and anywhere. You can view your balance, transactions, statements, payments, alerts, settings, etc. You can also make payments, request a credit limit increase, report a lost or stolen card, dispute a charge, etc.


How to compare RedCard with other store cards and credit cards?




RedCard is not the only store card or credit card that offers perks and discounts for shoppers. There are many other options available in the market that may suit your needs better. Here are some examples of how RedCard compares with other store cards and credit cards:


Walmart Credit Cards vs RedCard




Walmart offers two types of credit cards: the Walmart Rewards Card and the Capital One Walmart Rewards Card. The Walmart Rewards Card can only be used at Walmart stores and online at Walmart.com. It offers 5% cash back on purchases at Walmart.com, including pickup and delivery; 2% cash back on purchases at Walmart stores, Walmart and Murphy USA fuel stations, and restaurants and travel; and 1% cash back on all other purchases. The Capital One Walmart Rewards Card can be used anywhere Mastercard is accepted. It offers the same rewards as the Walmart Rewards Card, plus 2% cash back on purchases at other stores that sell groceries.


Both cards have no annual fee, but they charge a high APR of 26.99% variable. They also offer a welcome bonus of $50 when you spend $300 in the first three months.


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