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I don’t know about you but the red bulls eye pulls me in like some sort of hypnotic siren. I am helpless to drive by without stopping in to pick up cute clothes for my girls, kitchenware or grocery items ( I love their Archer Farms brand). But I can still find ways to save by combining all of Target’s great savings programs! It only seems Target is gettting better and better for the frugal shopper!

First, before a trip to Target I always check out their online printable coupons which can be stacked with manufacturer coupons to maximize savings. I take a buzz through the clearance sections to scope out some more deals. Then I use my Cartwheel mobile app to save even more off select items. Finally, (yes there is more) I use my Target REDcard to take an additional 5% off every purchase I make-in store or online. The savings really add up, and over the course of a year you will be able to see considerable savings!

So What is a Target REDCard? You can use the Target REDcard program in one of two ways:

Target Debit Card:

• No Annual Fee
• Up to $40 cash back at the checkout
• Works like a check, drawing from your bank account
• Has secure pin access

Target Credit Card:

• Has no annual fee- See important rates and fees
• Charge your Target store as well as Target.com purchases
• Manage your account and make payments online

There are also exclusive offers that are only available to REDcard holders.

The benefits of having a REDcard:

• 5% off all purchases
• FREE shipping when shopping online
• up to 1% of your purchases go to local schools
• 30 extra days for returns
• If you enroll in Pharmacy rewards, you will receive a certificate for an ADDITIONAL 5% off for every 5 prescriptions you fill.

Any savings is good. A penny saved is a penny earned, right. My favorite time of checkout is seeing the final total once I scan my REDCard. I mean 5% off all purchases in store and online – even on sale and clearance items. This is really handy especially on big purchases! After all, Christmas is right around the corner!

If you use your REDcard to shop online at Target.com your shipping is FREE, no minium purchase requirement. This will be great for grabbing the smallest of deals like stocking stuffers! It alone is a great reason to have a card, with the trend to online shopping increasing this is another great way to save some money.

Target has a great give back program when you use the card- You choose one of your local schools and up to 1% of all of your purchases are donated by Target to that specific school. What school do you want to give back to?

Have you ever need to return something but couldn’t locate your receipt-until the return by date was expired? If you use your REDcard they give you an extra 30 days for returns. In addition, I have returned many of items I bought with my REDCard without a receipt!

If your going to be there anyway save yourself a stop and have your prescriptions filled here as well, after 5 prescriptions Target gives you a certificate for another 5% off your purchase!

I have been using mine every week for the past several months without a hitch, and love the savings it gives me. If you like saving every way you can and want to apply for a Target REDcard sign up HERE.

Now you see Why You Want a Target REDCard! Happy Shopping.

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