I have a Target store near my home and I shop there often. Is their credit card worth getting?
Answered on Tuesday, November 1st, 2016 by
Amy Miller

Their card offers a 5% discount but it also offers a hefty APR of 23.90%. This is not out of the ordinary for a store branded card. For the most part store cards generally have an APR of at least 19.99%. So we would not recommend you to use this card if you were going to carry a balance as it would quickly negate the savings and end up costing you more. What is more, it comes with discount only for Target purchases and can be used only at Target stores.

If you want to earn rewards when shopping at Target, you may choose general credit card with cash back rewards. For example, the Discover it® – Cashback Match™ may be a good choice. This card comes with 5% cash back in rotating categories that change each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more. All other purchases will earn 1% cash back. Another great benefit is that you will get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year (only for new cardmembers). For example, you could turn $150 into $300. Also this card comes with 0% intro APR and no annual fee.

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There are a lot of cards that will give you rewards when you shop at retail stores. Usually retail stores try to offer you a co-branded card with a discount on this brand’s purchases, some minor rewards or special financing. However, you pay for these questionable benefits with very high APR and fees. And those […]

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There are many cards that can be used for this purpose. Unfortunately, store cards like the JCPenney rewards credit card are not affiliated with any major payment network and therefore can only be used with one specific retailer. Unlike store cards, regular credit cards can be used to make purchases almost anywhere. Many regular credit […]

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