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  1. #1
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    Default 5% cash back at Target?

    Any users for Target Redcard credit card?

    Target website claims to offer 5% discount plus free shipping to home for any amount.

    At 5% discount, would it not almost match or lower than Walmart

    Any user feedback will be appreciated.

    Thanks
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  2. #2
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    What do you want to know? Target in general are more expensive than Walmart, even with 5% discount. However Target has much better shopping enviroment than Walmart.

    5% discount is not the same as 5% cashback. Discount means you pay cheaper price at register.
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  3. #3
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    I don't have the Target Credit Card but I have the Target Red Debt card and quite like it. It basically covers tax for me in store and then gives the added bonus of free shipping online (+ the 5% off). It is easy to get, all they needed was a voided check to attach it to my checking account. I don't belived they pulled my credit, but I could be wrong since it has been a few years. I use the same pin number as my debt card as well.

    I love Target and would much rather shop there then at Walmart. I have actually been finding some items at Target cheaper or the same as Walmart prices lately. And then I get the discount.

    I am a fan, but that's just my personal opinion.

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  4. Centurion Member
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    but does Target have a card that you can use outside of the store like Nordstroms has the Visa Macys has the American express and wal mart has a wal mart Discover does target have anything?
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  5. #5
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    Quote Originally Posted by Money card View Post
    but does Target have a card that you can use outside of the store like Nordstroms has the Visa Macys has the American express and wal mart has a wal mart Discover does target have anything?
    Target offers a Target visa, bit I think they can only give it to you via upgrade from the Target store card.
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    they actualy got rid of it, which is why I was trying to make a point to everybody on this forum just because target offers you 5% back doesn't mean that it's a good card you can't use it outside of the store. where as walmart you can the wal mart Discover.
    they actualy got rid of the target visa a little while ago. but if you had the target visa at that time you might be grandfatherd into keeping that card, but no new applications.
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  7. #7
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    Oh that's new to me. I didn't know they got rid of that. Oh well was hoping they would upgrade me automatically. Guess that won't happen now..... Unless the new bank that is taking over Target's credit portfolio decides to add it back in, which would be nice.
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  8. Centurion Member MemberSince99's Avatar
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    The 5% discount is nice. I just used mine for the first time last night. It automatically gives you the 5% discount at the register when you purchase and yes you do get free shipping on items you order off their site. The best discount rate I get on my Cash + is 5% (though you CAN increase that by having a checking account with US Bank and/or claiming your rewards in the amount of $100 but I mean base rate) so this matches that on everything you buy at Target. You will of course pay for that a bit in that you will get a lot of junk mail and email advertising (you knew there was a catch somewhere right?). It's not overwhelming I can deal with that to get the 5%.

    For that matter, here is some little known (most likely) trivia about Target shopping in general (without a REDcard). Target knows what you've purchased there before even if you don't have the REDcard if you pay with a credit card - they keep track via your credit card number. I know this for a fact because I bought a shaver there, and the next time I came in, they printed with the receipt a discount coupon for replacement blades for that shaver. There is simply NO way that is coincidence folks, they knew I may need that and wanted to encourage me to buy it there. So whether you want it or not, your purchases can be tracked unless you pay cash. Just some trivia for those interested.
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  9. #9
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    Quote Originally Posted by MemberSince99 View Post
    The 5% discount is nice. I just used mine for the first time last night. It automatically gives you the 5% discount at the register when you purchase and yes you do get free shipping on items you order off their site. The best discount rate I get on my Cash + is 5% (though you CAN increase that by having a checking account with US Bank and/or claiming your rewards in the amount of $100 but I mean base rate) so this matches that on everything you buy at Target. You will of course pay for that a bit in that you will get a lot of junk mail and email advertising (you knew there was a catch somewhere right?). It's not overwhelming I can deal with that to get the 5%.

    For that matter, here is some little known (most likely) trivia about Target shopping in general (without a REDcard). Target knows what you've purchased there before even if you don't have the REDcard if you pay with a credit card - they keep track via your credit card number. I know this for a fact because I bought a shaver there, and the next time I came in, they printed with the receipt a discount coupon for replacement blades for that shaver. There is simply NO way that is coincidence folks, they knew I may need that and wanted to encourage me to buy it there. So whether you want it or not, your purchases can be tracked unless you pay cash. Just some trivia for those interested.
    I don't get any email ads from Target and haven't received any junk mail from them of any kind since I opened my account with them. You probably signed up to receive offers from them. Also, if they do keep track of your purchases from other major credit cards, then that's actually a nice added benefit in the form of offering discounts relevant to your purchases.
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    It's also a danger, because obviously they have your credit card information on file, and the odds are small but it is possible that it could be hacked.
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    EX: 779 April 2014
    TU08 (Barclay's) 798 April 2014 Statement
    Discover 791 June 15 2014

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    Amex Platinum NPSL (5/13 - backdated to 5/99)
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