Hellobee Boards

I have the credit card and like it a lot. I also use the Cartwheel app in conjunction for even more savings. The only thing I hate is when you look at the online statement it doesn't list the items you bought, just that there was an in-store transaction and the amount. I am terrible at keeping receipts!

I love it. Don't forget, you get free shipping online too!

I have the credit card version of the red card and I love it. Like MAMACHIN, I use the cartwheel app to add to my 5% savings.

And I also have the same complaint - it doesn't say what I bought on the statement, just that I bought something.

Sometimes its good (like at Christmas time when I don't want DH to see if I bought him a present there!), but sometimes its annoying when I can't remember what I bought during that transaction - some purchases are groceries and some are not, so I budget those differently.

I have he debit version and love it! The 5% off is great and if you put it with the cartwheel app you can save some serious loot! Just like @littlebug: said- it is sometimes annoying that it takes a few days to debit from your account!

I have debated getting one because I do shop there quite a bit, but we don't really use debit cards at all. There has been lots of research showing that when you use plastic (of any kind, but worse with credit) you spend more because you don't have to be quite as accountable to yourself in the moment. I also know that Target (and other stores) are trying to build brand loyalty with these cards, and I don't want to feel emotionally tied to a store just because of the 5% discount.

I estimated how much I would save right now based on how much I currently spend at Target, and I am fairly certain that if I had a red card the amount I would convince myself i "could spend" there that wasn't planned for would more than make up for the 5% discount. Target is counting on that, or they wouldn't offer the card in the first place. Our budget is really tight, and I don't like to make things harder on myself than they need to be. Target is close to my house and we often go there on rainy or really cold days just to get out. I know I would be much more inclined to impulse buy if I saw a "deal" and I also had an additional discount, even if it wasn't something that I had planned to buy. I don't need that kind of temptation in my life.

There's a reason stores like this push these cards...it is because it is profitable for the store, not because it is a way to give people discounts.

@butterbean: The app is pretty awesome. I scan stuff before I put it in my cart and most things are usually an additional 5% discount.

Like others said, I dont' use as a reason to buy more, but I'm going to be there getting stuff anyways, so I might as well save a few bucks.