Please don’t get the credit card– you don’t need it! You can get the same perks with the REDcard debit card .
People ask me all the time about the security of this card. So while below the benefits are listed there is one I want to elaborate on. Let’s say you walk out of the mall and drop your Target debit card on the ground. First of all the card can ONLY be used at Target or Target.com. No ordering computers from the Chinese underground and having them shipped to Russia on your card.
Second the card has a four digit pin number that you must use if you shop either online or at the store. So unless they have your pin number they can’t spend any of your money.
Here are the other great things it does for you:
- Works like a check by drawing from your existing checking account
- Save 5% on EVERY purchase at Target
- FREE Shipping on everything you buy on Target.com
- No annual fee
- Secured PIN access
- Cash withdrawal up to $40 at checkout in store
- Manage your REDcard debit card  on-line
In addition Target allows REDcard holders  to donate up to one percent of REDcard  purchases to your school of choice, whether it is your child’s school or a neighborhood school. With school funding at an all-time low, this is an excellent way to contribute to the education of kids in your neighborhood from kindergarten through the 12th grade!