The Target REDcard offers 5% off all Target purchases both online and in-store (Target gift cards excluded, in-store Starbucks included) and free 2-day shipping on qualifying items at You also get an additional 30 days for returns and exchanges. No annual fee.

We’ve become regular users of the Target app and their Drive-Up option. No markups, well-organized, dedicated parking area, and minimal waiting. The online stock available is mostly accurate, better than Walmart in our experience. If only Costco had a similar service!

From 4/30/23 – 5/27/23, newly approved REDcard applicants can receive a $40 off $40+ coupon (valid in-store or online) along with their new card in the mail. There are a bunch of restrictions (see below), but I can easily spend $40 on snacks and other household goods. This $40 off coupon has been a limited-time offer each May for the last few years.

Debit card version. A lesser-known fact is that you can get it as a debit card such that it withdraws money directly from your linked bank account, and applying for it won’t harm your credit score (nor hinder your ability to apply to other, more lucrative credit cards). Instead of a credit check at one of the 3 major bureaus, a reader reports that Target uses SageStream (formerly ID Analytics) for debit cards, another consumer reporting agency.

By the way, if you don’t want to use a REDCard, Target Circle offers 1% cash back on top of your usual credit card rewards.

You can earn 1% to redeem at Target later when you use non-RedCard payment types on eligible purchases. (To earn 1%, a RedCard can’t be used for any portion of the purchase.) Just scan Wallet in the Target app or enter your mobile number in store, or make a purchase online. Restrictions apply.

Here’s the full list of restrictions on that $40 off $40 coupon.

$40 off for new credit or debit RedCard holders

RedCard $40 offer: Get a coupon for $40 off a qualifying purchase over $40 when you are approved for a credit or debit RedCard in-store and at between 4/30/23-5/27/23. RedCard Reloadable account is excluded from this offer. . The coupon will be mailed to approve cardholders with their RedCard and will be valid though 6/26/23. Must upload coupon to Target App and be fully enrolled in the Target Circle™ loyalty program to redeem coupon. Excludes items sold & shipped by Target Plus™ Partners. Excludes alcohol, Apple products, Barbie camper and houses, Beats Fit Pro, Beats Flex, Beats Powerbeats Pro, Beats Studio Buds, Black History Month, Bose, Bratz Collector and Designer Dolls, Bullseye’s Playground, Cards Against Humanity, Casper, clinic & pharmacy, Cricut, dairy milk, DockATot, Dockers, Do-a-Dot, DSLR cameras & lenses, Dyson, Fisher Price Laugh n Learn, Fitbit, Funko Standard Pop, gift cards, GilletteLabs Heated Razor Starter Kit by Gillette – 3ct, Google, Hair Appliances, HALO Baby, Hasbro Games (Classic Monopoly, Connect Four, Jenga, Sorry, Trouble), Healthy Roots Dolls, Hot Wheels Ultimate Garage, HP Inc., ICU reading glasses, Infant Optics, JBL, Latino Heritage Month, LEGO, Levi’s Red Label, LG OLED and QNED TVs, limited-time designer partnerships, Lovevery, Mega Bloks, Meta Oculus and Portal, mobile contracts, Motrin, Ninja, Nintendo hardware and Switch games, Polder, Peg Perego, Philips Avent, Plan B, power shave, power dental, prepaid cards, Play-Doh Ice Cream Truck Playset, PlayStation consoles and accessories, Pride, Revival, Samsung TVs, Shark, Shipt Membership, simplehuman, Sonos, Sony Electronics, Take Action, Target Optical, Tempur-Sealy, Trading Cards, Tylenol pain relief, Tylenol PM, Ulta Beauty at Target Brands, Unlocked phones, Vera Bradley handbags, Weber, What Do You Meme?, WonderFold. To qualify for coupon discount, the total must not include excluded products.

“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone. This email may contain links through which we are compensated when you click on or are approved for offers.”

Target RedCard 5% Off, $40 Off Coupon For New Approvals from My Money Blog.

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