The Target Credit Card.

Target
Target (Photo credit: kevin dooley)

I like Target. I prefer it over Walmart. I don’t do a lot of shopping, but if I am shopping, Target is one of my main stops…which brings us to the Target Credit Card. The card comes with a grace period on payments (if you pay in full, then you aren’t charged interest) and no annual fee (take that American Express). In addition it offers a 5% discount on every purchase made at Target using the card. You read that right – not a measly 1 or 2% on some purchases – but across the board, 5%!

Is that all? Well not quite. Don’t forget that when you use the Target credit card online you’ll get free shipping and handling on your purchase and extra time (+30 days beyond the usual) to return your items. Yeah, it is a little like Amazon Prime without the subscription fee.

Now, there is one drawback to this whole Target credit card thing – and that is that you’ll be tempted to spend more time at Target. But for those who can resist the urge to splurge, the Target credit card makes a lot of sense and can be a real money saver.

I think Target is onto something great and hope that they will continue to improve their services. They are a brick-and-mortar store that is evolving with the times – but will they go far enough and fast enough? I hope so…

Just in case anyone from Target is pondering how they might go farther and faster, here are a few friendly suggestions:

  • Integrate Receipts – This would be huge. Make that line item for a $102.50 purchase at Target clickable and when I click on it show me the individual items I purchased. In this way I can keep better track of what purchases are household, pharmacy, clothing, automotive, entertainment, grocery, and so on…
    • Along with this could be an option to get rid of paper receipts. If I use a Target card let me set an option that determines if a paper receipt is printed or not on the site (or at a cashier). Not only is this good for the environment but it saves me the annoyance of carrying around that annoying piece of lengthy paper.

Ummm…I guess that is only two recommendations, the card is nearly that perfect. What is your favorite credit card? Are there other features that Target’s card is missing?

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