I Caved and Got a Target REDCard

Target REDcard application ad
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Disclaimer: This post is sponsored by Target. The links in this post contain affiliate links and I will receive a small commission if you make a purchase after clicking on my link – all at no extra cost to you. All opinions are my own.

With all unexpected medical bills we had last year, my credit card got maxed out at the beginning of this year. This has never happened to me before and I not happy about it.

In an effort to pay down the debt, I told Mr Boots I wanted to start using our checking account more. My hope is it will keep me from over-spending since we need that money for bills too.

unnamedAround this same time, I decided it was time to apply for the Target REDCard. I had been toying around with the idea for about a year, but felt that I just didn’t need another option enabling me to spend money. But since I wanted to start using our checking account, getting the RED debit card just made sense. I’ve started buying necessities such as toilet paper, diapers, over the counter medicines at Target. It’s a lot less crowded than Walmart or BJ’s and I can let G walk around without losing sight of him. But what really made me go for it was reviving 5% cash back on my purchases every time I used the card. The money was going to be debited from the same account as my bank debit card, so why not use something that will save me some money?

When I use the REDcard in conjunction with Cartwheel (a must have app if you shop at Target — regardless of whether or not you have a REDcard) and manufacturer’s coupons, I can save quite a bit. My personal best so far has been $27 — unheard of before I got the REDcard.

What are some of the benefits to owning a REDcard?

  • 5% off every day: essentially sales tax
  • Free shipping at Target.com (no minimum purchase): great because sometimes most times getting out of the house alone with my children to shop anywhere seems impossible
  • Extended returns — 30 extra days: great, because I don’t want to load and unload the boys and all our gear for a return that will take me 2 minutes. Now I have extra time to find a moment I can go by myself!
  • Up to 1% of purchases go to school of your choice: I haven’t set this up, but will be doing so soon because I want to be sure my childrens’ schools are being helped out

That’s not all. You can see all the benefits here.

It seems to be a common joke now: go to target for one item and comes back with 50, which may or may not include the one you went to the store for in the first place. Target is addicting and I never go in there without leaving with at least one thing that wasn’t on my list. This is a problem and I am working on it, but what might be more fun than wandering through the aisles to look at all their stuff is watching my total go down at the cash register: once for coupons and Cartwheel and again after I swipe my REDcard.

Do you have a Target REDcard? What made you decide to get one?

3 thoughts on “I Caved and Got a Target REDCard

  1. I didn’t know Target had debit cards now. The benefits are certainly better than what I get from my bank!

  2. I caved just about a year ago when a Target was built across from our preferred grocery store. That said, I try to limit my trips to the store because it’s just flat dangerous for our bank account.

    1. I agree! If we’ve had to make a big purchase, I have opted to use my credit card. It confuses the cashier when I tell them I have the REDcard but don’t want to use it!

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