No-brainer: if you don't have a Target RedCard, get one. It's easy to do, takes no time, and is an all-around winner

No-brainer.  If you don't have a Target RedCard, get a Target RedCard. It takes almost no time at all to sign up, and it pays.  It pays a lot.   

• 5% off EVERYTHING, ALL THE TIME.  Whether you shop in-store or online. That's 5% off the top without lifting a finger. 
• Free shipping on Target.com.  All the time, not just pre-holiday. No minimum purchase.  
• Designate 1% to the school of your choice. You can designate 1% of every purchase to go the school that you select.  That 1% comes out of Target's pocket, not yours.  
• Get an extra 30 days to return a Target purchase.
• When you fill 5 prescriptions at Target, you'll get a coupon that will let you take 5% off anything you purchase all day at Target on the day of your choosing, and this is in addition to the 5% you get back with your RedCard.  
• No annual fee for either the RedCard credit card or debit card.

Those are "official" benefits. Here are my personal reasons for getting a Target RedCard"

• You can get either a credit card or a debit card.  The advantage of the debit card is that there is no hard credit check pull on your name; they just hook it right up to your checking account.  With a RedCard debit card, you never have to deal with a bill.
• You will get special offers and coupon in the mail, including some for free items.
• If you get a Target Debit card, you can withdraw cash at checkout.  Between this feature and being able to deposit checks on my iPhone, I don't even remember what the inside of a bank looks like any more.  What's a bank?  Seriously, this is a huge timesaver for me.
• Target has so many opportunities for saving money: Mobile coupons and Target store coupons which you can stack with manufacturer's coupons, Cartwheel savings,  weekly gift card deals, price-matching, etc.  You can also get ShopKick points every time you walk into a Target store.  Every single one of these opportunities is stackable with your Target 5% RedCard savings. Every single one.     

I save a fortune shopping at Target over the year, and much of that is due to my using the Target RedCard.   This is seriously a no-brainer and very easy to do.

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