It depends. Weigh the pros and cons and decide whether it makes sense for you.
The case for a Target credit card
A big reason to consider a store credit card in general, is that they're usually easier to get.
That means people with low credit scores or no credit history stand a better chance of being accepted, and the cards can offer a way to rebuild or establish credit.
But to really benefit, you'll need to use good sense, keep your balance low and pay off your balance every month.
When you get the Target RedCard, you get a number of special perks, such as early word on sales, a 5% discount on all items purchased online or in store, an additional discount on top deals, more convenient shipping, a longer window for returns, the list goes on.
Starbucks fans will be happy to know the 5% discount extends to Starbucks locations within Target.
If you frequent Target, it's definitely worth considering because you could see substantial savings over time.
Simply add Capital One Shopping to your browser, and shop like normal. This free tool does the work for you.
Install Capital One ShoppingIs a Target credit card right for you?
Store cards tend to come with higher interest rates, and the Target RedCard is no different. But pay off your balance every month and you won't have to worry about the interest.
Then, you can focus on all of the great benefits of having this card in your wallet.
Shop at Target regularly, and you'll receive a number of perks and considerable savings over time!
Open a Target RedCard today if it's the right fit for you.
Sponsored
Here's how to save up to $700/year off your car insurance in minutes
When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy.
It’s true. You could be paying way less for the same coverage. All you need to do is look for it.
And if you look through an online marketplace called SmartFinancial you could be getting rates as low as $22 a month — and saving yourself more than $700 a year.
It takes one minute to get quotes from multiple insurers, so you can see all the best rates side-by-side.
So if you haven’t checked car insurance rates in a while, see how much you can save with a new policy.