![]() You don't accrue points like other rewards and cash-back credit cards, but you also don't have to jump through hoops to redeem them. This is a great way to save instantly on your Target runs. Target RedCard holders receive a 5% discount at checkout on most purchases in-store and at. ![]() Investing +More All Investing Best IRA Accounts Best Roth IRA Accounts Best Investing Apps Best Free Stock Trading Platforms Best Robo-Advisors Index Funds Mutual Funds ETFs Bonds Help for Low Credit Scores +More All Help for Low Credit Scores Best Credit Cards for Bad Credit Best Personal Loans for Bad Credit Best Debt Consolidation Loans for Bad Credit Personal Loans if You Don't Have Credit Best Credit Cards for Building Credit Personal Loans for 580 Credit Score Lower Personal Loans for 670 Credit Score or Lower Best Mortgages for Bad Credit Best Hardship Loans How to Boost Your Credit Score Taxes +More All Taxes Best Tax Software Best Tax Software for Small Businesses Tax Refunds Small Business +More All Small Business Best Small Business Savings Accounts Best Small Business Checking Accounts Best Credit Cards for Small Business Best Small Business Loans Best Tax Software for Small Business Personal Finance +More All Personal Finance Best Budgeting Apps Best Expense Tracker Apps Best Money Transfer Apps Best Resale Apps and Sites Buy Now Pay Later (BNPL) Apps Best Debt Relief Best Mortgages for Average Credit Score.Best Loans to Refinance Credit Card Debt.The card offers 5% cash back at and 2% cash back at Walmart stores, restaurants, and on travel. The Capital One Walmart Rewards® Card, which has made it to our list of the Best Store Cards, is an open-loop credit card and can be used outside of Walmart. ![]() For instance, Target’s competitor Walmart also sells multiple types of merchandise. While the categories may vary from year to year, in the last quarter of 2021, the card offered 5% back at Target.Ī different store credit card might also be an option. For example, the Discover it Cash Back earns 5% back in quarterly rotating categories. ![]() If you’d rather get a card that can earn you rewards everywhere you spend money, a general cash back credit card might be a better option. The RedCard’s obvious potential drawback is the fact that it’s a closed-loop card. Plus, no other card offers such high savings potential for Target purchases on an ongoing basis. It’s incredibly low-maintenance and doesn’t require any strategy to maximize, like some popular rewards credit cards do. The Target RedCard can be perfect for you if you do most of your shopping at Target. You may want to read the card’s terms and conditions to make sure it fits your specific spending habits. It also doesn’t apply to Target Optical eye exams, certain gift cards, gift wrapping services and more. For example, you won’t be able to use it on clinic services, prescriptions and over-the-counter items located behind the counter at Target pharmacy. It’s also a good idea to keep in mind what the 5% discount doesn’t apply to. An additional 30 days for returns and exchanges.Access to targeted offers and promotions.Here’s what the Target RedCard offers besides the 5% discount: But in addition to that, it’s helpful to consider other card details and benefits as you’re choosing a new credit card to add to your wallet. Card details you might missĪt Buy Side from WSJ, we judge store credit cards based on the rewards and discounts they offer. Still the card’s generous discounts for fans of Target are why we included it in our round up of the Best Store Credit Cards. ![]() If you want to save on your non-Target shopping too, an open-loop credit card that you can use anywhere might be a better choice. This means that you can only use it for Target purchases. It’s important to note that the RedCard is a closed-loop credit card. By contrast, the best general purpose cash back cards typically offer 2% cash back on purchases. The Target RedCard’s rewards structure is unusual in that most credit cards offer your cash-back rewards or points, rather than upfront discounts. ![]()
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