Rewards

5% Off Most Target Purchases: Pretty much every purchase you make at Target and Target.com will be automatically discounted 5% if you pay with your REDcard. That’s an amazing benefit, considering everything you can buy at Target — from groceries to electronics. What’s more, this 5% discount can be combined with store coupons, including those from the Target-owned digital-coupon service, Cartwheel, and the 5% discount available via Target Subscriptions, a service that delivers everyday essentials according to a schedule of your choosing. But there are exceptions to this rule (see “The Lowlights” section below).

30-Day Extension For Returns: The REDcard is your ticket to a wider return window, extending the standard timeframe during which you may exchange a given item by 30 days. With that being said, it’s important to note that this perk isn’t set in stone. Target reserves the right to discontinue this feature at any time, and the terms and conditions note that “purchases with a fixed return date” and “non-refundable items” are excluded. 

Free Shipping From Target.com: Any Target.com purchase paid for with your Target Credit Card, regardless of the amount, is eligible for free standard shipping to any U.S. state as well as the District of Columbia, Puerto Rico and certain military installations. You’ll obviously have to pay for expedited options, but as long as you’re not in a hurry, this account feature will definitely come in handy. 

Requires Only Fair/Limited Credit For Approval: As previously mentioned, you don’t need much credit experience to qualify for the Target Credit Card. That’s great in the sense that it can serve as a cost-effective credit-building vehicle for people who might otherwise be stuck overpaying for less attractive terms. If you’re curious about where your credit stands, you can get your credit score for free on WalletHub.


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The Rewards of Target REDcard™

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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