The Target RedCard Credit Card is a money-saving option for shoppers who frequent Target stores or Target.com. While this card doesn't offer rewards, it does offer discounts on Target purchases, along with other valuable benefits such as free shipping and an extended return window.

Ideal for Saving Money on Target Runs

The Target RedCard Credit Card is well-suited to people who prefer Target to other big-box retailers and prefer upfront savings to cash back or other rewards. Every time you shop at Target stores or on Target.com with your Target RedCard Credit Card, you receive 5% off your purchase, which includes clearance items and Target top deals of the week. There are some limited exclusions, including prescriptions and pharmacy counter purchases, Target gift cards and prepaid cards, and eye exams conducted at Target Optical.

Free 2-Day Shipping on Target.com Purchases

The Target RedCard Credit Card is a great choice for shoppers who want fast, free shipping on purchases. Cardholders enjoy free two-day shipping on thousands of items sold at Target.com, which can be especially helpful when trying to save money and time around the holidays.

Take Advantage of Extended Returns

Target allows cardmembers an extra 30 days to return items purchased with their cards, beyond the standard return policy window allowed for that item. So, if you purchase something from the electronics department, you'd have an extra 30 days on top of the 30 days already allowed to return those items.

Save Even More on Card Anniversaries

While Target RedCard Credit Card cardholders save 5% on Target purchases daily, they receive 10% off on their card anniversary as an exclusive savings offer.

Pair Target RedCard Credit Card Savings With the Target App

Target shoppers can use their Target RedCard Credit Cards along with the Target app to unlock exclusive offers and deals. Here's how it works:

Download and install the Target app.

Link your Target RedCard Credit Card to the app.

Browse offers in your Wallet in the “offers” tab.

Choose the offer you want and give the barcode to the cashier at checkout.

These offers are only available for in-store shopping, but Target offers other savings opportunities for shopping online.


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Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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