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The Benefits of Being a Target REDcard Holder

Target REDcard Perks
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Did you know that Target’s REDcard will save you money EVERY TIME you shop? But that’s not all! Target has added more benefits to being a REDcard member. If another credit card isn’t what you are looking for then the good news is that they also have the option of a debit card. Keep reading to find out about the benefits of being a REDcard card holder. Especially since we have officially begun our holiday shopping. 

The post may contain affiliate links. 

What is a REDcard?

The REDcard is Target’s store credit card or debit card. Each card can only be used in Target stores or on The debit card links to your existing checking account. While enabling you to withdrawal up to $40 at checkout. You are able to view transactions and manage your PIN at The credit card, on the other hand, you’re able to charge your Target purchases both in-store and at You’ll receive a monthly bill like any other credit card. You are able to check your balance, make payments and review statements at

Whether you choose to open a REDcard credit card or debit card, they each are equipped with a chip for the safety and security of your information.

Perks of Being A Target REDcard Holder

It would be easy to think that the REDcard from Target is just like any other credit or debit card but it’s not! There are perks to being a REDcard holder, perks that will leave you wanting to become a REDcard holder.

5% Discount on All Purchases

Every time you use your credit or debit REDcard you can receive a 5% discount on your complete purchase. The discount isn’t for just one item but the entire purchase. You may think that 5% isn’t much of a discount and while it seems insignificant, you’d be surprised how much 5% can save you, especially with larger purchases. It’s an easy way to get an easy automatic discount on every purchase made at Target and

The 5% can be combined with Cartwheel, manufacture & store coupons as well as gift card promotions and sale & clearance items. There are no exceptions!

Free Shipping

You never have to worry about meeting the minimum shipping requirement ever again. You can receive FREE shipping every time you shop at If there is a single item that you want to purchase for a couple of dollars you can use your Target REDcard to receive 5% off that purchase plus receive FREE shipping for that item. The free shipping applies to most items available on (I have yet to purchase an item(s) that didn’t include free shipping).

Extended Returns

When you use the REDcard you’ll automatically receive an extension for returns up to an extra 30 days. Whether you use your card instore or online you have an extra 30 days to return unwanted items.

Returning items has never been easier with the REDcard. If you have misplaced your receipt or packing slip, no problem! All you need to do is swipe your REDcard at member services and your items pop up with the price you paid. No worries about receiving the lowest sale price because you can’t find your receipt. You’ll receive the entire purchase price back to your card. It’s very convenient and highly recommended for this feature alone!

Starbucks Discount

Oh yes! When you use your REDcard at any in-store Starbucks location you can save 5%. It’s one of the added perks of being a REDcard holder. Just think about how quickly the 5% savings can add up over time if you’re a Starbucks lover.

Target Subscriptions

You may have noticed the subscribe and save services on When you signup to have essentials delivered on a schedule you can save 5%. So say you wanted to have Garnier’s Skin Active Micellar Cleansing Water delivered every 3 months. (Love this Micellar Cleansing Water). Not only would you save 5% on the subscription service but you would also receive an additional 5% for using your Target REDcard. So basically it’s like saving 10% on the item(s) you choose. Plus you’ll receive free shipping!

Early Access

One of the newer perks of being a REDcard holder is that you are now granted early access to special events, products, and promotions. A perfect example of this was early access to Black Friday specials on the Wednesday before Black Friday. REDcard members were able to snag up deals before they were available to the majority of shoppers. (Yes, I took full advantage of the early access!) There may be restrictions on the early access such as geographic location or previous purchases. However, the early access for Black Friday seemed to be for all REDcard members.

Exclusive Extras

How does being offered exclusive extras including special items, gifts and offers sound? When your REDcard anniversary approaches the primary cardholder will receive an email after the opening anniversary date has approached. That’s not the only extra, there are planned extras planned through the year. They may vary from year to year, but an exclusive extra always is a treat!

Apply Today

Now is a great time to apply for a REDcard credit or debit card. You will not only save money each time you shop at Target this holiday season but you can gain exclusive access to special events in the new year. I love the REDcard and the many perks of being a REDcard member!

The REDcard credit or debit cards aren’t the only ways to save this holiday season. Be sure to check out my posts on tips for saving money during holiday shoppingprice matching this holiday season, and decorating for Christmas on a dime.

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