Target Red Card

[Anonymous]

There is also a Target MasterCard or Visa

[Ron1]

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@Anonymous wrote:
There is also a Target MasterCard or Visa

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It is not available to the new applicants.

Ron.

[Anonymous]

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@Anonymous wrote:

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@disdreamin wrote:

 I also like the Take Charge of Education kickback you can set up (our school earns something like $500 a year from it). 

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Sadly, Target is ending that program.

http://www.startribune.com/target-will-end-school-charity-program-shift-giving-focus-to-wellness/327423181/

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Well that stinks and one of the main reasons I convinced DH to apply for it and I use it. We have several kids and that was a way to make sure we contributed to the school district without having to remember to write a check

[SunriseEarth]

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@disdreamin wrote:

I got the Target Redcard credit card by choice - I didn't want the debit card as I didn't like it being directly linked to my bank account. This is for the same reason that I only have an ATM card and not a debit card on my main household checking account. I like the 5% savings, and I also like the Take Charge of Education kickback you can set up (our school earns something like $500 a year from it). My limit has never budged from where I started, which was $3k, but despite my minimal use - I put perhaps $150-200 a month through it most months - it's stayed the same since I opened it a few years back. Oh, and the free shipping is great. It really makes it easier when you just want a couple small things where shipping would usually be relatively astronomical! And at the holidays, the Target website is very nearly my one-stop-shopping point for out-of-town relatives.

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That's a good reason to consider the Credit Card over the Debit Card, especially if you only have one checking account.   Since my Target codes as a grocery store, I use SM these days and have SDed the redCard.   However, I did like the instant 5% off with the redCard.  Also, if I ever order from Target.com again, I will use the redCard again for the free S&H.   If you buy a bulky item, that definitely can come in handy!

[SunriseEarth]

Another thing I've noticed about the Credit Card is that the card reports as "Credit Card" instead of "Charge Card" on my CRs.   Some people don't want store cards on their CRs, but since their card reports as a major CC, this may be of interest.   I'm not sure to what degree having bankcards over store cards has on scoring (if any).  

[Anonymous]

I like my Target credit card. I know they have a bad rep for not giving out nice SLs and CLIs. I was one of the lucky ones. My SL was 2k and a few months later they showed me some auto luv of $700. I haven't received an increase since last year, but I'm hoping they will do it again. I enjoy the 5% off and free shipping too. I know they offer a debit card which does the same thing, but I don't like having anything directly linked to my checking account so I opted for the credit card.

If your scores are low and you feel they won't give you a nice SL, then I would wait to apply for it. My scores were over 730+ when I applied for mine. Please let us know what you decide.