Frugalista

If you love Target: Store credit card will now give you 5% off every day

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I got a little mailer that using Target's store credit card or debit card will now get you a 5% discount on everything, every day, in store or online. That's better than most rewards cards, I think, because:

1) It's a discount, not a reward. So you won't have to wait for your payoff and you won't have to remember to cash it in like a miles rewards card.
2) Since it lowers your purchase price, you'll pay less tax, too.
3) 5% is better than most of the rewards you see. Like, an airline mile is worth about 2 cents, so if you get one mile per dollar, you're only getting a 2% reward.

I haven't examined every little detail of their credit card terms or interest rate. If you really want to do a good job comparing rewards cards, compare them on BillShrink. But personally, my abiding love for Tar-zhay is currently compelling me to go check if that RedCard we opened to get a discount on the Xbox is still open. At least for buying Target's daily deals, why wouldn't I use it?

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