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I’ve been using my Target REDcard for years. Yes, the woman who doesn’t use debit cards for shopping, but rather cash. For the longest time, I refused to get one of these cards, but have since changed my mind. I use this DEBIT version myself (still don’t do credit).
I use the REDcard debit every time I shop. Then, I take that amount out of my cash envelope. So, if I spent $75 using my REDcard and I have $300 in cash, I pull out $75 and set it aside. I then, just put that into savings — so a double bonus! I get the 5% discount AND instantly have money set aside for the holidays!!
Of course, this may not be an option for everyone, so you can just set that money aside and then deduct it from the amount you will withdraw for your cash spending the next pay period. Finally, if you are using cash, you can go to the bank after you shop and just re-deposit the cash back into your account to cover your purchase. There are definitely ways to work around a cash budget while still getting the additional REDcard savings.
So, why did I change my way of thinking? Simply put – the perks. There are so many which you get with this card – be it Debit or Credit:
- 5% off of all purchases, every day
- Free shipping online – no minimum required
- Extended returns – an additional 30 days
- Up to 1% of your purchase can go back to the school of your choice!
Keep in mind that if you apply for the credit REDcard, the process is the same as with any other card, you must be approved. If you opt for the Debit card option, you will have to provide your banking information so that they can automatically deduct the purchase from your account.
While 5% may not seem like much, that can quickly add up over the course of a year. This past December, they even offered REDCard members a BONUS discount of 10% off of select brands, which was incredible.
What the Target REDcard does is offers a quadruple stack:
- Manufacturer’s Coupon
- Target Store or Mobile Coupon
- Target Cartwheel coupon
- REDCard discount
You can learn more about the REDcard and even sign up or apply by heading HERE!
Do you love your Target REDCard?
Denny says
March 31, 2015 at 10:52 AMIf you have the credit card, you can make your purchase, then go to the customer service desk and pay that amount on your card.
VBailey says
March 31, 2015 at 1:44 PMmy redcard isn’t a credit card, it is a debt card.
Sheilah Cornwell says
March 31, 2015 at 1:38 PMAND if you show the clerk manning the waiting line on Black Friday (Grey Thursday I call it), they let up skip the entire line and go through ahead of those waiting… You don’t have to use your Red Card on that purchase unless you want to save the 5%.
rachel says
March 31, 2015 at 2:05 PMAnd don’t forget about the .05 per bag discount! !
juli says
April 1, 2015 at 11:13 AMIs that if you bring your own reusable bag?
Tracie says
April 1, 2015 at 6:10 PMYes – you get that with your own bag.
Nicole O/ says
April 1, 2015 at 9:12 AMI LOVE my Target card and am on a cash system as well. My favorite thing to save on that many don’t know they can do is to use it to save 5% on my Disney vacations!!!!! I wrote an article on how to do that here if you or your readers are interested. It can save hundreds. http://www.happilyeverdisney.com/2015/01/how-to-save-additional-5-off-your.html