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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

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target red card

As it gets closer to the holidays, we look for more ways to save and an easy way this season would be to obtain a Target Redcard.  Folks have asked about this on the past two Spreecast chats, so I thought we should cover all your questions in a post.

You might have seen it advertised at the register or asked about signing up for one in-store, but you might not have realized all the benefits and how it could save you money this holiday season.  Before you think this is a credit card…. it’s not.  While there is a credit card option, I would encourage you to go with the debit card.  This links straight to your bank, and gives you all the perks without having to pay interest rates!

Benefits of a Red Card:

  • Get 5% off everything (even after a price match)
  • FREE Shipping on Target.com,
  • 30 extra days for returns
  • 1% of purchases to go to the school you designate

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 Red Card.  Now add in all that would you would save with free shipping on any order… seriously there is no reason to not get the card.

The card is available in credit and debit versions, both offer the same benefits so you can decide what’s best for you. Personally, I like the debit card because you don’t have to remember to pay your bill every month, plus there is no annual fee!

See more Target deals.

    • mom2max

      Are you comfortable with the security? My concern has always been with giving them my bank account information; I just can’t decide if it is worth the risk. Definitely wouldn’t even consider the credit card.

      • guest

        3 yrs… never had an issue.

    • Kris4Savings

      It appears as though the credit card does not have an annual fee either. Am I incorrect or missing something?

    • Amy

      It is a GREAT value, especially if you open the account while making a large purchase. Last year, we opened a credit account when buying an iPad. Wtih the first time purchase credit of 10%, we saved $50 right off the bat! I am not a fan of store credit cards as a general rule, but here’s how I figure it. My (1) primary credit card gives me cash back of 2%. Therefore, 5% is a better return, even without the free shipping! It’s basic arithmetic if it’s a store you shop a lot, which we do. There are times when I buy things online instead of in-store just to save myself from having to run over there, saving gas $ too. No annual fee on the credit card, either.

    • Kat Chang

      Do you have the debit card? Is it secure? Also can I apply for the debit card in stores? I think they have only ever asked me if I would like the credit card..

      • spi_cy13

        I have the debit card, and I’ve owned it for about 1-2 years. I haven’t had any security compromises with the card, so I would consider it to be secure. At the time of application, I gave the cashier a voided check [a blank check with the word VOID on it]; the check is for your bank account # and routing #. I filled out the app for the debit card in store, and received the actual card in the mail about a week later.

        • Kat Chang

          Awesome, thanks! I’ll be asking them for the debit card app next time I go :)

      • guest

        Hi Kat, I’ve had my debit card for 3 years and no problems. The only difference is it might take an extra day or two for purchases to come out of your checking account, depending on your bank. Just make sure you put the transactions in your check register. :)

        • Kat Chang

          Great advice, thank you! I will be sure to do that when I get my card! :)

      • tina

        yes you can apply at any target store or even on target.com.. all you need is a blank check (routing number if you do it online), your license and you must know your social..i have never had a guest in the 4 years i have worked for target guest service tell me that they had their account taken so i believe its secure enough lol and you do not have to wait for them to ask you if you want to sign up in store.. just walk right up to any register at the front lanes, including the service desk..and ask to apply

    • Sharise Nobles

      I love my red card debit card! Especially at Christmas time. Free shipping all the time & that 5% really adds up. Totally worth it’

    • Lacy Ashley Courtney

      Kris4Savings there is no annual fee for the Credit Card either. I asked them specifically when I signed up for it. I didn’t have any checks when I was asked about the account so I went with the Credit Card. I make my purchase at the register and walk over immediately to guest services and pay what ever it was I just charged to the card with my debit card.

    • Ashley

      To highlight the savings on shipping, my husband’s grandmother purchased us some things from our baby registry with her RedCard. They were bulky things, and in the end the card saved her over $150 in shipping costs alone. Hard to beat a deal like that!

    • Michelle

      I love my RED card! I see it as buying my stuff without having to pay taxes (I know, I know, we pay more than 5% in sales tax, but it makes me feel better to view it this way, I don’t know why). One thing we discovered is that you get a 5% discount on Disney gift cards, too! JUST Disney gift cards so far as I know. So, if you’ve got a Disney fan, or even if you’re planning a trip, right now (until they discover it or until they change their policy) you get the RED card discount on each Disney gift card!

      My man and I have even talked about getting Disney gift cards each month to help us save up for our next vacation (please pray for the poor Disney travel agent who will have to apply all of our gift cards to our account). If we get $1000 worth of gift cards, that’s a savings of $50! Might not seem like much in the grand scheme of things, but it’ll pay for a nice romantic meal for the 2 of us or for a souvenir or two. :)

    • SaraJ

      YES! I’ve had this card for years and love it! Free shipping alone is worth it – for gifts, out of stock sizes, or specialty sizes like maternity with very slim in-store pickins’. I think of the 5% discount as knocking off sales tax (even though it’s not quite the same) which is a nice perk. Plus now that Cartwheel has so many discounts, it’s great to combine the two!

    • Quasha

      This is a great card to have. It absolutely saves you money on top of using coupons and whatever other discounts are being offered. I have already saved $50 this year just by using the redcard and not including any coupons used.

    • It’s worth it just to get them to stop asking you to sign up every time you check out.

      • mom2max

        I actually complained about this on one of the customer surveys. It is so annoying.

    • Lauren

      Just found out about this a few months back. I had no idea there was a debit option! Love the free shipping and percentage back!

    • Onisha Ellis

      You can buy gift cards with the RedCard and save 5% too

      • judy

        you do not save the 5% on gift card purchases.

        • Onisha Ellis

          I know for sure you do on the Disney gift cards. I assumed if it applied to Disney cards it would apply to others.

    • Erin

      I just got one a couple of weeks ago… the debit card. It’s great because I save an extra 5% each time and I’ve also linked it to my daughter’s elementary school since Target gives back to schools.

    • Michelle

      Just be aware that each and every credit and/or debit card you sign up for knocks a couple points off your credit rating score. So, if you’re in the market to buy a house, signing up for store cards causes your credit rating to take a hit, even if you’re never late on payments, and even if you cancel the card.

      • Tina

        hey i work for target and the redcard debit card does not do a credit check at all that is our credit card…the only reason they ask for a social is to confirm that you do not have another redcard debit card with a different account..you are only allowed one redcard debit card even if you have multiple checking accounts :D

      • Kris Osterhout

        This is blatantly false and misleading. Obtaining a debit card DOES NOT lower your credit score for the vast majority of cases. Debit cards are simply a link to a bank account, so it’s practically the same as writing a check. The last time I checked (pun intended?), ordering checks in the mail doesn’t lower my credit.

        Additionally, even if it did affect one’s credit, it wouldn’t simply “knock off a couple points” in all cases. You cannot generalize like this. Credit inquiries will affect every person differently. Someone with no hard inquiries, sure – it may knock off a couple of points. But for someone with good credit (say, 720) and with three previous hard inquiries, it may knock off more like 10.

        Long story short, please don’t post false and generalizing information.

    • tori729

      I love this!! I signed up a year ago and it’s great! Linked it to my checking account and never had any issues.

    • Christina

      Target is now allowing you to sign up for the Redcard debit or credit on their website now. I do not know if they give you a temporary card or not like in the stores though….

    • chloemcgillicuddy

      I really want a debit redcard but I have a federal benefits debit card which means it is not checking and there is no “routing” number. Is there a way to get the card with this kind of debit card?