Red Card debit card is from Target, and it is the best card for loyal Target shoppers who want to earn as many rewards as possible from their everyday purchases in the store and also through online purchases and deliveries.
Please note that this is a debit card, and not a credit card, which means that it is connected to your personal checking account, and whenever you make any purchases, they are drawn directly from your account.
As a cardholder, you are eligible for 5% off on all purchases when you buy using the card. The discount is applied immediately you purchase products using the card, rather than provided in the form of cashback rewards.
Target RedCard Debit Card Features
Other than the 5% discount on all Target purchases, this card also comes with the following benefits.
Free 2-day Shipping
You will be entitled to free 2-day shipping when you shop for eligible items only at Target.com. There is also a free standard shipping offer for the items that do not need two days to be shipped. This offers your exclusive savings on all purchases, plus an extra 30-day option for returns.
5% discount on purchases. We have already mentioned this, but it is the main attraction to this card. Instead of the traditional rewards that are offered in terms of cashback, this particular card gives you a discount on all purchases.
This may seem a little uninspiring compared to other cards on offer, but the savings associated with this are more straightforward and generous to anyone that is shopping at Target.
Exclusive offers and promotions
You will get access to any offers that are offered by the company while shopping, and also, in case of any promotions, you will always be the first to be informed about them.
Pros/Cons of the Target RedCard Debit Card
The pros include a 5% discount when you shop at all Target stores. You will receive free 2-day shopping from Target.com. Another pro is the extended 30-days allowance for returns.
The cons are that some items may not qualify for the discounts and you have a High APR rate.
Target RedCard Debit Card Fees
- Purchase APR – Charged at 22.90%
- Interest charges – $1.00
- Grace period – 25 days.
- Annual fee – $0
- Late Penalty – charged for up to $40
- Returned Payment charges – up to $29
Target RedCard Debit Card Eligibility
To apply for this card, you must meet the following requirements. You need to be over the age of 18 years, living in the US. You also need to have a US checking account.
How to apply for the Target RedCard Debit Card
- You should start by logging onto the company website.
- Then, navigate on to the RedCard link that is found at the top right corner of the page.
- Once you click on that, you will see an application link for both the credit card as well as the debit card. When applying for this specific card, then you will choose the debit card.
- Once you finish the application, please verify the information before submitting it.
- Here is some of the information that you need to include in the application
- Your name.
- Social security number.
- Government-issued ID, – this could be your state ID, military ID, or driver’s license.
- Banking details – include your checking account and bank routing number.
Please log on to the Target website to apply for this card.
Target Address and Contact
To find out more about the Target RedCard Debit Card, it is advisable to contact Target directly. Target can be contacted using the following details.
Address: 1000 Nicollet Mall, Minneapolis, MN 55403.
Phone: (612) 304-6073.
This is a debit card that is most ideal for die-hard Target customers. The 5% discount is a pretty great incentive for frequent shoppers and one that will keep you going back for more. However, please remember that every time you shop with the card, the cash is automatically deducted from your checking account. All the best.
Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.