Where You Can Use Your Target RedCard in 2024
If you‘re a frequent Target shopper, using one of their RedCard debit, credit or Mastercards can lead to major savings. But these loyalty cards have different rules depending on the type – so where can you actually use them? This guide will compare your Target RedCard options for 2024.
RedCard Usage Statistics
- 63% of Target shoppers have a Target RedCard
- RedCard holders spend 50% more at Target than non-RedCard holders
- Average savings with the 5% RedCard discount is $315 per year
As you can see, the RedCard encourages loyal shoppers to save more during each Target run.
How Do the Target RedCards Work?
While all three RedCard varieties offer perks like 5% off purchases and free shipping, the places you can use them differ significantly:
| Benefit | Target Debit RedCard | Target Credit RedCard | Target Mastercard |
|---|---|---|---|
| 5% discount at Target | Yes | Yes | Yes |
| Free 2-day shipping | Yes | Yes | Yes |
| Additional 30 days for returns | Yes | Yes | Yes |
| Can be used at Starbucks in Target | Yes | Yes | Yes |
| Accepted at other stores besides Target | No | No | Yes |
The debit and credit RedCards focus exclusively on Target purchases. But the Mastercard gives you flexibility to shop elsewhere.
Next, let‘s compare where each card is accepted.
What Stores Accept Target‘s RedCards in 2024?
Target Debit RedCard and Credit RedCard
These loyalty RedCards can only be used at:
- All Target stores (1,915+ stores nationwide)
- Target.com
- Starbucks cafes inside Target stores
So debit/credit RedCard perks are limited to Target associate stores.
Target Mastercard RedCard
The Target Mastercard is more widely accepted since it‘s on the Mastercard network. You can use this RedCard anywhere Mastercard is taken:
- All Target locations
- Target.com
- In-Target Starbucks cafes
- Plus other stores like:
- Walmart
- Kroger
- Costco
- Home Depot
- JCPenney
- Gas stations
- Hotels
- Restaurants
- Airlines
- Anywhere displaying the Mastercard logo!
But you‘ll still only earn Target rewards and the 5% RedCard savings at Target with the Mastercard.
Key Benefits of Using a Target RedCard
Beyond discounted purchases, all three RedCards come with extra perks:
- 5% savings instantly taken off purchases
- Free 2-day shipping with no order minimums
- Extra 30 days for returns and exchanges
- First access to select Target sales
- Special offers like discounts on gift cards
RedCard holders also get early access to Black Friday deals in November.
Based on average yearly spending, a Target shopper with a RedCard could save $315+ annually!
Should I Get the Target Mastercard?
The Target Mastercard is best for flexible spending – it allows you to earn 5% off Target purchases plus shop at other stores. But there are some key considerations:
- You only receive Target perks and the 5% discount when buying at Target with the Mastercard
- It has a 26.49% variable APR, higher than most credit cards
- Must pay off full statement balance each month to avoid interest charges
- No annual fee
If you‘ll primarily shop at Target, the debit or store credit RedCards may be better options since they focus exclusively on Target savings.
How to Apply for a Target RedCard
Interested in reaping Target savings with a RedCard in 2024? Submit an application easily online or in a Target store.
You‘ll need to provide:
- First and last name
- Mailing address
- Date of birth
- Social Security Number
After approval, you can instantly save 5% off your next Target haul!
Start Saving on Every Target Run
As a loyal Target shopper, using a RedCard can lead to hundreds in savings every year. While the debit and credit cards are for exclusive use at Target, the Mastercard allows spending elsewhere too. Apply for the version aligning best with your needs to start stacking up Target discounts today!
