I do not know what kind of credit card to apply for me to have a 3% off every time I shop at target online or in store. Can I apply online? Pls. help... Thanks
Someone already mentioned the two possible 2% reward cards for spending at Target. However, I think the details were not quite complete; I'll explain. Also, there are ways to earn as much as 8.3% cash back at Target online. Here are the details:
1. The Schwab Visa will pay you 2% cash back, but, to get the cash, you have to deposit the money to a Schwab account.
2. The Fidelity American Express will also pay you 2% cash back, but, they will cut you a check. You do not have to have a Fidelity account to get the cash.
3. (This option is only good for *online* Target purchases.) If you use a Discover card and surf to Target.com via the ShopDiscover shopping portal, then you'll earn 5% cash back in ShopDiscover rewards plus approximately 1% cash back as your normal Discover More card (for example) cash back.
4. Perhaps the best option, if you'll be shopping primarily online at Target.com, is to make your purchases through the BigCrumbs.com shopping portal (i.e. just surf to Target.com through BigCrumbs.com). Then you'll earn 6.3% cash back on your Target purchases from BigCrumbs. (Note that it's 2.7% on TV and Video, Audio, Camera, Video games, but 6.3% on everything else.) Plus, you'll earn whatever cashback you get from your credit card. So, for example, if you use the Fidelity American Express, you'll earn 2% cash back from your card, plus 6.3% cash back from BigCrumbs, for a total of 8.3% cash back.
There is an Amex that gives you 6% cash back, but you have to spend 6K first and then there are limits.
Boo-hoo on that.
The best you will find is a card that gives you 2% cash back everywhere.
There are two that exist.
One is the Fidelity Invest Card, but you have to open an IRA.
Charles Schwab has an easier one also offering 2% cash back.
All you have to do with them is open any kind of account - even a savings or a checking (pretty sure).
There are also some 5% cash back cards - but they are only for cash back on gas.
None of the cards I mentioned have annual fees or limits.
Amex may have an annual fee.
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