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Shopping at Target – Tips and Tricks for Savings

By Amber Colvin, Office Administrator at Fish & Associates and self-professed shopping enthusiast, shown here with a fabulous pinata from Target!

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I love shopping at Target.

But even more than that, I love getting a deal at Target.

That sense of accomplishment when you buy something you wanted or needed for waaaaaaaay less than the average Joe. Oh yeah. That’s the stuff.

One of my favorite ways to score a deal is actually incredibly easy, and all you need is a Target (and who doesn’t shop at Target all the time) and your cell phone.

Target has 2 major ways to save:

RedCard Debit Card

Cartwheel App

The RedCard Debit Card is something that took me forever to get, and I could kick myself for it. You basically get a second debit card for your bank account – but this one can only be used at Target. “That’s dumb,” I hear you saying. No, no, young grasshopper. It’s amazing.

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Because EVERY TIME you use your card, you get 5% off. Automatically. It’s not a credit card, there’s no interest, there’s no fee. Just another debit card that gives you 5% off your total purchase every time, and pulls the money directly from your bank account.

Looks pretty good compared to that regular old debit card you’ve been using, huh?

That 5% is good on anything – tvs, groceries, candles shaped like dogs, whatever.

It’s super easy to apply (you just need a void check), and if you spend a lot of money at Target, the savings can seriously add up.

The Cartwheel App is one of my favorite apps – it’s even got a coveted spot on my first page of apps on my iPhone (remember when we had Myspace Top 8’s? It’s that level of serious).

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So you download the Cartwheel App, sign-in (it’ll link to your Facebook or you can make a username and password), and go to town. It will show you featured deals, like 5% off Market Pantry Cottage Cheese, or 10% off bath towels, or, and this is the best part, you can hit the little barcode in the top right and scan all your items to see if there is a discount, then add that “coupon.”

You don’t have to print anything.

You don’t have to look for specific things.

You just scan it, it tells you if there’s a deal or not – and if there’s not, it usually suggests a similar item!

Since last March, so a little over a year ago, with an average of one Target trip a week, buying a lot of my groceries there, I’ve saved $141.45 just with the app! And it’s so easy!

This is not at all a sell for Target – those tricksters who lure me in with one thing and watch with glee while I buy three carts worth of stuff I “needed.” But if you’re going to buy a lamp shaped like a T-Rex, shouldn’t you get some savings out of the deal?

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Note: Due to industry regulations on communication, we are unable to allow for public comments on this blog. Please feel free to email me your questions and/or comments to kathy@fishandassociates.com. Thank you.

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Kestra IS and Kestra AS are not affiliated with Fish and Associates. Kestra IS and Kestra AS do not provide tax or legal advice.


This site is published for residents of the United States only. Registered representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact the Kestra IS compliance Department at 512-697-6000.


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