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I love the Target Store card! Who wouldn't want an extra 5% off ALL purchases - including sales and clearance items - every day you shop? Plus, if you love shopping online, you'll always receive FREE shipping from Target.com, plus the 5% discount and any number of other discounts that might be available online! The interest rate isn't the best in the world; but, it's about the same as almost any other store credit card. Just pay it off each month and it won't be an issue. So, if you shop at Target, it's worth it to use the Target credit card to save 5% off your purchases -- it adds up over the year!