I know there is a Redcard credit card and a Redcard debit card. There may also be a Redcard MC/Visa though I am not positive. There is a credit check if you want the Redcard credit card. I, personally have the debit card though I don't remember having a credit check done for the debit version. Hope this helps.
I am assuming by "plain Jane" you mean the debit card? If so, then no there is no inquiry on your credit to get this card. You need to link your bank account. When you pay the funds are pulled directly from your linked bank account.
The credit version can also be upgraded to a MC by the issuer (TD Bank) if they determine an account to be worthy. Cannot be requested by a customer.
Yeah I’m looking for the 5% off without having to open a new credit account. The debit card will get a 5% off still right?
Yes, that's the way to go to get the discount without the HP and new account