If you spend more of your budget at Amazon than at Target: The Prime Visa has a similar earning structure as the Target REDcard, earning 5% back on Amazon and Whole Foods Market purchases it also earns 2% back at restaurants, gas stations, local transit and commuting (including rideshare), and 1% back on all other purchases.For more details, check out our full review of the Citi Double Cash. With it, you won't have to worry about whether you're shopping at the right place to get your best earnings. If you want solid earnings on all your purchases: The Citi® Double Cash Card (see rates and fees) earns 2% back on all purchases (1% when you make a purchase, 1% when you pay it off).If you don't spend the majority of your budget at Target (who does?), there are more valuable cards out there: TARGET What cards compete with the Target RedCard? This card also has no foreign transaction fee, which is unusual for a no-annual-fee, cash-back card. Target RedCard benefitsĪs a cardholder, you'll get free two-day shipping on online Target orders without the usual $35 order minimum, an additional 30 days for Target returns and exchanges, and access to RedCard exclusive special offers and items. This is a more complicated process than most other cash-back cards, which offer statement credits as the easiest method to redeem rewards. Once you reach at least $10 in savings, you need to go online or call to request an electronic or physical gift card to use at Target. However, when spending elsewhere, it's more complicated. You'll get a 5% automatic discount on most purchases when shopping in-store or online with Target. So, you'll earn rewards everywhere you spend. See privacy policy.Īpart from Target purchases, you'll earn 2% back on dining and gas purchases and 1% on all other purchases. The Points Guy will not share or sell your email. I would like to subscribe to The Points Guy newsletters and special email promotions. Still, many will find that the card's simple earning and redemption structure is valuable enough to forego a bonus. This card doesn't have an annual fee, but it doesn't offer a sign-up bonus either. The card details on this page have not been reviewed or provided by the card issuer. The information for the Target RedCard credit card has been collected independently by The Points Guy. Let's break down the RedCard's perks and earning structure to help you decide if it's a good fit for you. Note that there is also a debit card version of this product. If you spend much of your budget here, you can benefit from the savings and benefits the Target REDcard credit card offers. With everything from clothes and electronics to diapers and groceries, shopping at Target is as close to one-stop shopping as possible. Card rating*: ⭐⭐½ *Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer. It is a strong contender for those who spend big at Target - but not elsewhere. The Target REDcard is a solid earner, featuring a 5% discount on Target and purchases, 2% back on dining and gas station purchases and 1% back on everything else.
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