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I used this card when it was time to make some larger purchases for my office, and the 0% introductory rate for 12 months was very helpful. After this rate was over though, the permanent rate of 21% was simply too high. I was able to get my initial purchases paid off in under 12 months, but keep a balance on this card is just too expensive. And the card has no other benefits, so it is not very useful.
As is the case with most store charge cards, the interest rate is very high, and the return is very low. The Target charge card has a 5 percent discount on all purchases which is nice if you shop there often, but its not so nice if you can't pay off your balance every month. Its not at all worth it if you need to carry a balance. Otherwise this card is a pretty no frills, but no fees card. And not really worth the risk of having a balance for most people.
This is not a bad card for regular shoppers of T.J.Maxx, Marshalls and HomeGoods, but if you're only an occasional shopper, it does not really seem worth it. It has a very high interest rate, and the rewards system is pretty poor compared to other stores like Macy's. It does offer a 10% discount on your first purchase which is always nice if you have a major purchase to make at the time you sign up. And as a result of the poor rewards system, there is at least no annual fee.
This card is mainly for those who travel a lot in a given year. Which is perfect for me. The points seem to add up quickly, and there are various way to use them, and other bonuses that make the unfortunate annual fee after the first year well worth it. While my Marriott Rewards had a much larger bonus point allotment for signing up, the over all value of those points don't add up to the value of this card. That and interest rate is much better.
This card has the usual percentage off for your first purchase which is nice because when I was signing up for the card I was purchasing a large swing-set, and that 15% made a big difference. But, the rewards program for this card is pretty weak compared to other store cards. And the introductory rate of 0% was only for 6 months, and I have great credit. Plus the rate afterwords is really high. All and all its not really a great card, but if you have a big purchase to make, that 15% may make it worth it.
I like that this card has a consistent reward system. My BankAmericard cash back system offers different points for different purchases, and will change depending on how many you use. The AAA card does not have that issue. Plus along with my AAA membership, this card makes offers towards travel vouchers and I spent a lot of time traveling, so this maybe very useful if you travel a lot. But, with high variable rates, you have to be sure not to keep a balance, as much as possible with this card.
I travel a lot, and I almost always use a credit card instead of my bank card when I do, so this card is perfect for me. The miles always seem to add up quickly. And the fact that there are no black out dates is hugely important. I've had the card for less than a year, and I'm not thrilled about the fact that there will now be an annual fee of $59 (not the mentioned $35 on this page), but it's still totally worth it. The APR is pretty low as well, but I always pay it off anyway.