How To Apply For A Target REDCard Credit Card And Debit Card
Do you know that you’ll get 5% off Target purchases and access to benefits like free two-day shipping and 30-day extended returns when spending on Target Redcard? Target Redcard is one of the ways for saving your budget when shopping at Target. If you don't know how to buy and apply for a Target REDcard, this article is designed for you. Are you ready to get one Target Redcard and enjoy your perks and savings now? Firstly you need to understand what Target REDcard debit card is and how to use it.
Target REDcard Basic Information
The Target REDcard Debit Card is an excellent example of a debit card that does not need customers to commit to a single bank. You can set up your REDcard Debit Card to draw cash directly from an FDIC-insured, U.S.-based bank account to cover transactions made at Target stores and Target.com as long as you have an account with an FDIC-insured, U.S.-based bank.
Outstanding Benefits Of Target REDCard
- Target is offering a 5% discount on some items both in-store and online: For instance, if you spend $500 every month at Target, you will save $25 (or $300 a year). For families who shop for groceries, clothing, or home supplies on a daily basis, this is simple.
- Target.com offers free two-day shipping on certain goods.
- Returns are given an extra 30 days.
- Offers for early access and special deals: Based on previous purchases or geographic areas, RedCard holders may be targeted for unique extras. During limited-time promotions, some deals and additional discounts are available to everyone.
- There is no annual charge.
- Not a credit card, but a debit card
- Access to your current checking account (purchases generally take 2-3 days to process)
- At checkout, you can withdraw up to $40 in cash.
Target Coupons, Promo Codes And Sales
Up To 70% OFF Clearance Items
FREE Shipping On $35+ Orders
Up To 30% OFF Top Deals
Extra 15% Discount With REDcard Exclusive
FREE Gifts With Selected Purchase
Up To 50% OFF Clothing & Accessories Clearance
Up To 50% OFF Shoe Clearance
Up To 15% OFF Select Classroom Supplies At Target With Teacher Discounts
Up To 50% OFF Home Clearance
Pros And Cons Target REDCard Credit Card
There are three types of Target Red Card: Mastercard, Credit Card, and Debit Card. Both will give you an additional 5% off Target products. In general, the benefits of both Target Redcard credit card and debit card are similar. First and foremost, let's look at the pros and cons of the Target REDCard debit card.
Then, you can find out the differences between these ones. The most notable difference between the two Target REDCards is one of them is a CC and credit cards allow you just make purchases and pay later on. On contrary, your Target debit card is linked to your account and functions similarly to a check.
|
Pros |
Cons |
|
|
How To Get A Target RedCard?
Before we come to a step-by-step guide for applying a Target REDCard, you need to have some simple following qualifications
- You are at least 18 years old
- You need to provide your personal information including birth date, social security, phone, address, etc
- Income personal information
Follow this instruction to apply for a Target REDCard debit or credit card:
Step 1: Go to the website target.com
Step 2: On the options displaying on the screen, click on RedCard
Step 3: You are directed to the new page. Here you have two choices: apply for credit or apply for debit
Depending on if Target authorizes you immediately, you may be able to purchase online right away or you may have to wait seven to ten days for your card. It's possible that you won't get authorized because of red flags on your credit report or a poor credit score.
Common Mistakes With Target RedCard You Should Notice
Mistake 1: Not paying your Target bill in full and on time: All credit cards have fees, but RedCard's credit version has a lot of them. The APR varies depending on the market, however, it usually falls between 20% and 25%. Each late fee is $40, and returned payments can add another $29 to your next statement. In other words, if you don't pay your payment, it might quickly spiral out of control.
Mistake 2: Using your Target RedCard for every Target order: If you need to purchase a gift card for someone else, you might as well use a different credit card to get a few points.
Mistake 3: Using your Target REDcard to pay for orders on other online stores: The RedCard can only be used in Target stores or online at Target.com. If you have a debit card or an entry-level credit card, attempting to use it elsewhere will result in your card being refused.
Mistake 4: Target Circle and Target RedCard discounts are not used at the same time in the same order. That means as a loyal shopper, you can choose one of these two discount options from Target.
Mistake 5: Not Keeping your Target Redcard be in use. Even if you don't purchase at Target on a regular basis, there is an excellent reason to keep your card active. Other discounts and bonuses are given out on a periodic basis.
>>Also Read: Target Price Match Policy
