There isn’t ONE.
If you shop at Target even once a year, it is totally worth having the REDcard Debit.
I love Target for their kids stuff alone, everything else like housewares, decor, clothing, electronics and food that they offer is just an added bonus. As the second largest retailer in the Unite States, I am so thrilled that they made the perks of their credit card available to consumers in a DEBIT card form.
What are the benefits of the Target REDcard?
How does 5% cash back on all purchases, free shipping, No Fees, No Credit Check and an extra 30 days on returns sound? That along with the safety of Chip Technology and a user PIN.. again, there is no reason every Target customer should not have this REDcard.
Let’s break it down..
Free Shipping – On anything! Need new socks, some wrapping paper, what about toothpaste? Save yourself a trip and take advantage of free shipping! There is no minimum purchase requirement. Now, combine that with a 5%, ibotta and EBATES… again you are saving!
No Fees – There are absolutely zero fees. No APR’s because this isn’t a credit card its a debit card and no annual fees either.
No Credit Check – There is no credit check because this is a debit card. Meaning it comes directly out of your checking account. I’m sure you’re like me and don’t want a credit card from every place you’ve ever shopped. Getting too many hard inquires on your credit report can be harmful to your score.
Extra 30 days on Returns – Our nearest Target store is about 25 minutes away so during the week getting there is not happening. Weekends can be hard depending on what our schedule looks like. Having an extra 30 days to return items can sometimes be a lifesaver!
What’s the bottom line?
If you’d like more money-saving ideas be sure to sign up for my newsletter! You can also follow me on Pinterest! Katie B
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