If Target is your go-to spot for groceries, home decor, and everything in between, you might think you already know everything there is to know about shopping at the retail giant.
But as its employees can attest, plenty goes on behind the scenes at your local Target to keep things running.
Keep reading to learn eight key things Target’s employees know about how you can keep more cash in your wallet on your next Target run.
Earn cash back on everyday purchases with this rare account
Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!1
With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!
This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.
Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.
Apply for a Discover Cashback Checking account today
Target's credit card is worth it for frequent shoppers
You’re just as sick of fending off credit card offers at checkout as employees are of offering them to you. But if you’ve been turning down Target's credit card offers, it could be worth taking a second look.
It gives you a 5% discount on most Target purchases and an extra 30 days for returns. This might even be better than earning cash back on many other cards.
Don’t feel like getting another credit card? You can sign up for Target's debit card instead. You’ll still save 5% on most purchases, qualify for free shipping, and can create sub-accounts for younger family members who are learning how to manage money.
Get gift cards for your old tech
Trying to get some older electronics off your hands? The electronics departments at certain Target locations will give you a Target gift card in exchange for electronic devices like cell phones, speakers, video games and consoles, and tablets.
Just ask the Target employees in your store’s electronics section if their store participates in tech trade-in to start getting a quote on any old devices. You’ll receive an electronic Target gift card within seven days.
Items are marked down by department weekly
Target moves products to clearance on a weekly schedule that breaks sales down by department. The actual markdown schedule tends to differ between stores, so you’ll want to ask your store manager for location-specific information.
For the most part, though, Target’s markdowns follow a similar weekly schedule:
- Items in the electronics, kids’ clothing, and accessories departments are marked down on Mondays
- Items in the women’s clothing and grocery departments are marked down on Tuesdays
- Items in the health, beauty, and men’s clothing sections are marked down on Wednesdays
- Items in the decor, toys, and sporting goods departments are marked down on Thursdays
- Items in the cosmetics and jewelry departments are marked down on Fridays
Get a protection plan on all your appliances
Did you know if your air conditioner stops working, your homeowner’s insurance won’t cover it? Same with plumbing, electrical issues, appliances, and more.
Whether or not you’re a new homeowner, a home warranty from Choice Home Warranty could pick up the slack where insurance falls short and protect you against surprise expenses. If a covered system in your home breaks, you can call their hotline 24/7 to get it repaired.
For a limited time, you can get your first month free with a Single Payment home warranty plan.
Get a price match on-sale items within 14 days
It’s always frustrating when you buy something at the listed price only to have it go on sale the next day. Target gets that frustration — and it does something about it too.
Just bring in your purchase and receipt within 14 days of your visit and Target will reimburse you the difference between the sale price and purchase price. You can keep a lot more money in your bank account doing this.
Prices can vary between locations
If you have the time (and live near more than one Target), it could be worth comparing pricing between several nearby Targets to make sure you get the best deal.
Every once in a while, a product will cost less at one store than at another, even if both stores are within the same general area.
For the most part, Target does standardize its prices, especially for big-ticket items like TVs and computers. It’s always worth trying to find the best deal — but don’t be too surprised if most of your purchases cost the same regardless of the store.
Trending Stories
Some items cost less online
Again, while this isn’t always the case, some things actually cost less on Target’s website than they do in stores.
If you’re wondering if you could get a better deal online, feel free to check out the item you’re after on the app.
You can also get a break on shipping costs by sending the product directly to your local Target instead of to your home.
Combine your coupons
Whether you have Target-specific coupons, manufacturer’s coupons, or even coupons from other stores, there’s a fair chance Target will accept whichever coupons you present.
The iffiest coupon choice here is to present one offered by a competitor, but Target’s price matching could still help you get the best deal.
Unless your coupon says it can’t be combined with other offers, Target will usually let you shop with more than one at once.
Target invested $300 million in its workforce
In 2022, Target vowed to pass an additional $300 million on to its employees. One way it did so was by raising the starting wage for some positions to $24 an hour.
Target has always led the pack in paying its employees better than many competitors. In 2017, for instance, it became the first retailer to pay employees a minimum of $15 an hour.
Of course, whether Target is a better or worse retail giant to work for than others depends on who you ask. But when you’re shopping at Target, it’s good to know the retailer pledged to pass some of its profits down to the employees who make your Target experience possible.
Bottom line
Target has always been one of your favorite places to shop, so use the insider info here to splurge, save, and boost your bank account. It's a popular alternative to the competition with great options for store brands.
Whether they’re sharing tips here or pointing you toward the right aisle in stores, Target employees are here to help. You can look for people wearing some type of red throughout the store.
Lucrative, Flat-Rate Cash Rewards
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
Wells Fargo Active Cash® Card
Current Offer
$200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Benefits
- Low spend threshold for its welcome offer — $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Cell phone protection benefit (subject to a $25 deductible)
- Can redeem rewards at an ATM for literal cash
Drawbacks
- Foreign transaction fee of 3%
- No bonus categories
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Subscribe Today
Want extra-cash moves to come right to you?
Stop browsing endlessly. Get proven ways to earn pocket money, help cover rent, and crush your debt — sent to your inbox daily.