Target REDcard Review: Are you in search of a new transaction card? Well, many transaction card options but you looking for that which best fits your daily transactions. Target REDcard review has a lot of perks that you might find interesting. In this review, all you need to know about the card will be highlighted and mistakes to avoid when using the card.
In this article, this is what you get to see in details;
Target Corporation’s (TGT) REDcardprogram is a leading loyalty program among retailers in the United States. The program is accessible to everyone and is integrated seamlessly into customers’ payment methods.
With lower barriers to entry than other loyalty programs; Target effectively builds a relationship with its customers and can personalize the promotions and advertising offered to the consumer.
Cartwheel – save 5-50% on hundreds of items in-store & get everyday 5% savings when you pay with your REDcard.
Target Subscriptions – save 5% on everyday essentials delivered on your schedule when you subscribe, plus get everyday 5% savings when you pay with your REDcard.
Get everyday 5% savings on specialty gift cards when you pay with your REDcard.
Target Wallet, easy and fast checkout. Use Wallet in the Target app to save with Cartwheel and pay with REDcard by scanning your phone at check out in-store.
Making the Most out of Your Card
With this card, you can save up to $200 when you spend $4,000 at Target in a year — online or in the store. For eligible purchases over $35, you’ll get free shipping, saving you even more when you shop online.
As a result, using it for Target and Target.com purchases is the only way to get the most out of this card. Consider using other rewards credit cards on all other purchases.
In addition, you could:
Download the Target mobile app. Use it to make purchases online.
Avoid interest. Your grace period is 25 days after the close of each billing cycle. Try to pay your balance by then to avoid paying a high APR.
Customer service. Sign in to your online account or call 800-424-6888 for any questions.
Before Applying for Target REDcard
Below are the basic things to know before you apply for the Target REDcard;
1. 5% Discount on Eligible Purchases
Target RedCard holders receive a 5% discount at checkout on most purchases in-store and at Target.com. This is a great way to save instantly on your Target runs.
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.
2. Free Two-Day Shipping on Eligible Orders
RedCard holders receive free two-day shipping on hundreds of thousands of items from Target.com — without the $35 minimum purchase amount required for non-cardholders.
This offer applies on standard shipping to all 50 states, D.C., APO/FPO addresses, and Puerto Rico
3. Additional 30 days for Returns and Exchanges
Cardholders receive 30 additional days to return purchases beyond the standard 90-day return policy. Extended returns do not apply to Target Optical™ purchases and non-returnable items.
4. RedCard Exclusives
RedCard holders can benefit from various exclusives, such as special items, gifts, and offers throughout the year. Note that every exclusive extra may not be available to every cardholder.
Cardholders receive a coupon for 10% off a purchase every account anniversary year, when you’re signed up for Target marketing emails.
5. High Interest Rate
Store cards are known for having high-interest rates, which is why experts often warn against opening one.
The RedCard has a 24.40% variable APR, which can add up to costly interest charges if you carry a balance (and completely negate the 5% savings).
But if you’re a responsible cardholder and pay off your bill in full every month, you can avoid interest charges and other expensive mistakes commonly made with store cards.
Steps to Apply
The application process is just very simple, follow the steps below;