Target has a somewhat new discount program. If you apply for a Redcard Debit card and use it at Target, they will deduct 5% from every purchase. I think this is probably a better deal than any other rewards card out there. Most rewards cards give 1%-3% back on purchases, with the occasional limited time deal at 5%. You need to wait to cash in on the rewards, and usually have to take them in the form of a giftcard instead of cash. Here, you receive the 5% rewards immediately. There is no catch, no charge for the Redcard, and because it is linked directly to your checking account, you can get it even if your credit is less than ideal.
Combine this 5% discount with Target coupons, manufacturer coupons, and sales, and you can save quite a lot. A Target RedCard also gets you free shipping online at Target.com.
Parenthetically, you can also link your card up to a school you'd like to support and Target will donate 1% of your purchase to them. Nice perk.
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