Welcome to Southern Savers, where finding deals and steals is simple and rewarding!

See I told you, this would help!

Coupon Abbreviations
  • SC = Store Coupon
  • MC = Manufacturer Coupon
  • SS = Smart Source
  • RP = Red Plum
  • PG = Proctor and Gamble
Coupon Terms
  • WYB = When You Buy
  • B1G1 = Buy One Get One Free
  • .75/1 = 75 cents off one item
  • .75/3 = 75 cents off three items
  • EXP = Expiration Date

Going Nuts? I can help you understand coupon terms and abbreviations

This post may contain affiliate links. Read our disclosure here.

Every time you check out in Target the cashier asks if you want a REDcard, (don’t hate them they have to ask) and you always say “no thank you”.

You might want to reconsider that answer…

If you shy away because you’re worried it’s a credit card, there is another option. I would encourage you to choose the debit card. This links straight to your checking account, and gives you all the perks without having to pay interest rates or remembering to pay another bill.

Why get the card?

The biggest reason is 5% off every purchase you make in-store and online forever!  You can even price match other stores and still get the discount. The card is free.

To put this into numbers for you: If you went to Target just once a month and spent $50, you would save $30 each year using the RedCard.

Other Benefits of the card:

  • FREE Shipping on Target.com on any order size.
  • 30 extra days for returns
  • Early Access to Black Friday sales and other events!
  • On your REDcard anniversary you get a 10% off your entire purchase coupon (mine came in my email today!!)
  • You will get regular home mailers sent only to REDcard holders with very fun coupons.

With no cost to have the card and perks that just keep coming, this is a no brainer for me.

See more Target deals.

    • Jenna

      There’s also the prepaid red card, which works like a gift card but has all the benefits of the other two red cards.

      We went with the credit card. After the Target hack last year, we decided that (should another one happen), we’d much rather someone get ahold of our credit card information than our bank information. I check both accounts regularly, so we’d catch any fraud, but changing out credit cards after one has been stolen is less hassle than switching bank accounts and getting direct deposits changed over.

    • Coupon Cut Her

      Agreed! Love my redcard. Perfect card to have right out of highschool/college. All friends getting married, having babies. Easy to ship stuff from registry, 5% off and free shipping.

    • Rebecca

      I know security breaches seem to be the new “norm” and the “chip cards” are more secure, but after the “hack” Target had a few years ago, I don’t trust them to link THEIR card to MY bank account. I know many do, but I won’t be one of them.

      • ATAmom

        Chipped cards aren’t much more secure than non chipped cards. I switched to a chipped Visa card from MasterCard, and someone still tried to charge $1000 worth of jewelry to my card at several stores in New York City. Luckily my card limit is $150, so I don’t get any charges that actually will go through. Once I have $20 remaining on the card, I pay it off. It makes a lot of transactions on my bank account, but I had to replace five cards in two years before, so it’s worth it to me to keep a low credit limit.

    • JessiSLP

      I have the red card and have never gotten an extra 10% on my red card anniversary, or extra coupons

      • Heather Key

        Same! & I’ve had the red card for years but no coupons in the mail or email though :(

    • ATAmom

      Since the Target debit card works like a check, they may not deduct the funds for up to five days. This is not good for people who are on a fixed income and don’t have a lot of money in their checking account. If the charge bounces, Target charges $28 and your bank charges the same, so one mistake can cost you up to $60.

      • HMB

        Then they should just go ahead and debit the amount the spent because they know sooner or later that money will not be there. Just because it doesn’t come out at the moment of the transaction doesn’t mean it’s not going to come out. Same as checks, as soon as the check is written it should be written down as already coming out.

    • DawnH

      I have the red card debit card and never received any mailers or coupons. I think these offers are good for the credit card.