Through Saturday, February 15, 2020, you can get $10 off a $100 purchase at Target when you use your Target REDcard, either in store or online.
While I don’t use my Target REDcard very often, it comes in handy for deals like this one. Basically, there are two versions of REDcard, either a debit card, which is linked to your checking account, or a credit card, which is, well, like a credit card with a monthly payment and interest if you don’t pay the balance. Obviously, I don’t think you should ever pay interest, so my recommendation would be to get the debit card version and not run the risk of a late payment, interest, etc.
Download the App
The Target app is a necessity when you are a Target shopper. This is where you will find Target Circle (formerly Cartwheel) deals, category coupons, and exclusive offers like this one. You can also load gift cards here, and your REDcard is automatically added to your account. You can edit your Wallet in the app to use your preferred method of payment at checkout, ie, REDcard or Target gift cards.
With this deal, you will need to go to the Wallet tab of the app and check the Saved Offers section. Before you shop, check the exclusions since there are always things that Target cannot discount per the manufacturer. You can get $10 off in addition to your regular 5% off with your REDcard. However, turns out you don’t actually have to pay with your REDcard. You just have to have a REDcard saved to your account! You won’t save the additional 5%, but read on to find out how you can save even more than 5%.
Target Gift Cards
Instead of using my REDcard at checkout, I like to use Target gift cards. When Target had gift cards on sale for 10% off in December, I stocked up in order to enjoy 10% off throughout the year. When (if) they run out, I’ll buy gift cards at an office supply store with my Chase Ink Business Plus. (See my Chase Ultimate Rewards article to learn how to maximize your spending.) While the REDcard saves 5% off your purchase, I can get 5x rewards with my Chase Ink card instead, PLUS get 1% back in Target Circle savings!
Stacking the Savings
While I was thinking that I would not be using this deal, Bryan realized that the vacuum the kids have been using for their chores doesn’t really work very well. Considering it was less than $50 on Amazon, I’d have to agree. I thought about this offer and realized this would be a good time to check out vacuum cleaners at Target. Turns out this very week, the Dyson version of the type of vacuum we need is 40% off! I quickly checked Cashback Monitor to find that Top Cashback had the best payout for Target, and added the vacuum to my cart. This is when I learned that I could use my gift cards at checkout instead of my Target REDcard, even though the offer is for REDcard holders exclusively. Add in free shipping for REDcard holders, and I got a pretty sweet deal without having to actually use my REDcard at checkout!