If you shop at Target, the REDcard Debit Card is a no-brainer. It’s not a credit card, so there’s no risk of accumulating debt. And you’ll earn 5% off of every purchase made at Target when using the card, plus free two-day shipping on select items to select ZIP codes. You also get an additional 30 days to return items purchased with the card.
The Target REDcard Debit Card is loyalty card for use in stores or when shopping at Target.com. If you’re looking for a way to save money at your favorite store, you might like its:
Special savings. Each purchase made with your REDcard gets a 5% discount that you can combine with coupons and Cartwheel Target subscriptions.
No fees. You won’t pay monthly or annual fees to use your debit card. And because funds are withdrawn from your checking, you won’t pay finance charges either.
Extended returns. Get an extra 30 days on the standard policy to return an item.
Free two-day shipping. Speed up delivery on select purchases to select ZIP codes with your card.
Free standard shipping. Get free standard delivery in the US and to APO or FPO addresses and Puerto Rico.
There aren’t many red flags with the Target REDcard. But you’ll want to make sure you understand how it works.
It’s a debit card. Funds are drawn directly from your linked checking account, which means you’ll need to confirm you have enough to cover your purchases.
For use at Target only. You can’t use your card at other stores or sites.
High return payment fee. You face fees of up to $40 if your bank returns an electronic funds transfer for any reason.
If you want a debit card that offers cashback rewards on everyday savings outside of Target stores, you’ll want to keep looking. As always, compare your options when considering a debit card.
Case study: Jen’s experience
I shop at Target at least once a week, so it sounded like a no-brainer to sign up for the Target REDcard Debit Card.
Signing up for the card online took less than 10 minutes, but it took over a month to actually receive it. Apparently, the first time Target attempted to send it to me, the letter was marked “return to sender.” I found it annoying that I had to reach out to customer service myself to learn this — they didn’t automatically try to send me the card again.
Now that I actually have the card, it’s been awesome saving 5% every time I shop. And I’ve never had any security issues — something I feared, because you have to link the card to your checking account to sign up.
You’ll need to meet eligibility requirements:
- You must be at least 18 years old.
- You must live in the US and own a US checking account.
Target.com also recommends gathering documentation that includes:
- Your Social Security number.
- Government-issued ID. Like a driver’s license, state ID or military ID.
- Baking details. You’ll need a US-based checking account and bank routing number to link your card.
- Go to Target’s site and click Manage REDcard. Then click on Apply for debit now.
- Complete your personal information, establish your login details and click Continue.
- Proceed through the application process, completing your security information, address and financial details.
- Review and submit your application.
The majority of customer reviews online are positive, from “I have no complaints” to “Really my favorite card.” You’ll find the occasional unhappy customer who claims their transactions were declined for no reason, with hefty fees. Still others say the Target REDcard Credit Card offered better benefits, and so they switched.
After approval, Target links your card to your designated checking account. Activate the card by calling the number on your card and setting up your PIN. Start using your REDcard at Target stores and online at Target.com to get 5% off your purchases.
Avoid fees. Avoid returned payments fees by confirming you have enough funds in your checking account to cover purchases made with your REDcard Debit Card.
Customer service. Get help by sending a secure online message, calling 888-729-7331 or mailing Target Card Services, PO Box 660170, Dallas, TX 75266-0170.