![]() I held off getting a REDcard until summer 2019 because I had never bothered to read the fine print I assumed that traditional rewards credit cards always offer the best bonus-earning potential. Most debit cards don't come close to those sorts of rewards. The Target REDcard challenges our usual rule of thumb to avoid debit card spending because just about every dollar spent on this card earns you an effective minimum of 5% off, even before taking into account additional perks such as free shipping and limited-time offers or stackable coupons. However, the Target REDcard debit card is a notable exception to some of these rules, because it offers savings and perks without triggering a credit pull or affecting any other aspect of your credit. Related reading: Best credit cards for purchase protections Furthermore, they often offer low credit limits.
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