My husband stumbled upon an article in the Sunday paper that discussed how a few retailers are now offering up debit cards as an option instead of the store credit card for consumers who wished to participate in the rewards programs without having to open a credit account.
Target is one of those stores. They actually offer a debit version of their REDcard that gives you all the benefits of their credit REDcard but without any interest, because it's linked to your checking account! The charges draft out of your account similar to bills that are paid through your BillPay accounts. They may take a couple days to clear so make sure to record them in your check register to maintain your proper balance.
The Target Debit REDCard benefits include: 5% off every shopping trip at Target and Target.com; FREE Shipping from Target.com; Pharmacy & Education Rewards. The Target Debit Card links right to your checking account for hassle-free shopping. You can even request up to $40 cash back when you're shopping in-store. Target Debit Card cannot be used on the mobile Target.com website.
Go here to read more about the Target Debit REDcard & to apply for one yourself, if you decide! We have a beautiful Super Target that opened up last year and I shop there often... more often than I should... so the option of saving 5% off my shopping trips without having to open a credit account is really cool!