In the ever-evolving landscape of retail and online shopping, credit card rewards programs have become a pivotal player in enticing consumers.
Two prominent contenders in this arena are the Target Red Card and the Prime Visa card, each offering unique benefits tailored to their respective retail giants.
General Comparison: Target vs. Amazon Card
The Target Red Card boasts a straightforward approach to rewards, primarily centered around Target purchases. Cardholders enjoy an immediate 5% discount on all Target purchases, both in-store and online.
On the other hand, the Prime Visa card is designed for those entrenched in the Amazon ecosystem. The card offers a competitive 5% cash back on all Amazon and Whole Foods purchases, making it an attractive option for avid online shoppers. But, keep in mind that an Amazon Prime subscription is required.
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Cashback Analysis: Target vs. Amazon Card
Assuming all supermarket and gas purchases are made via Target – the Targett card will drive you more cash back.
However, if you plan to use the card for Amazon and travel purchases -chances the cashback you'll earn will be higher compared to the Target card
|
| |
|---|---|---|
Spend Per Category | Prime Visa Card | Target RedCard Credit Card |
$15,000 – U.S Supermarkets | $150 | $750 |
$4,000 – Amazon Products | $200 | $40 |
$5,000 – Restaurants | $100 | $100 |
$4,000 – Travel
| $200 | $40 |
$4,000 – Gas | $80 | $80 |
Estimated Annual Cashback | $730 | $1,010 |
* Assuming all supermarkets purchases made via Target
Additional Benefits: Comparison
The Target card offers a bunch of extra shopping benefits for cardholders, such as exclusive deals, extended return time, and free shipping.
On the other hand, Amazon card extra perks are mainly focused on travel protections such as baggage delay and travel accident insurance, roadside dispatch and emergency assistance and lost luggage reimbursement.
Prime Visa Card
- Prime Card Bonus: Earn an impressive 10% back or more on select products, sweetening the deal for Amazon Prime members and making the card particularly rewarding for frequent shoppers.
- Baggage Delay Insurance: In the unfortunate event of delayed baggage, this benefit helps cover essential expenses, ensuring a smoother travel experience.
- Extended Warranty Protection: Purchases made with the Amazon card often receive extended warranty protection, providing added coverage beyond the manufacturer's warranty.
- Lost Luggage Reimbursement: Should your luggage go astray during travel, the card offers reimbursement for essential items, alleviating the inconvenience of lost belongings.
- Roadside Dispatch®: The Amazon card includes access to a 24/7 roadside assistance hotline, offering services like towing, tire changes, and more in case of vehicle breakdowns.
- Travel Accident Insurance: Cardholders enjoy travel accident insurance, providing financial coverage in the event of accidental death or dismemberment while traveling.
- Travel and Emergency Assistance: This feature offers access to a range of emergency services while traveling, providing support in unforeseen situations.
- Purchase Protection: The Amazon card provides protection against damage or theft for eligible purchases made with the card, enhancing the security of your acquisitions.
Target RedCard Credit Card
- Free 2-day shipping: Enjoy the convenience of swift delivery with free 2-day shipping on an extensive selection of items when shopping on Target.com.
- RedCard Exclusives: Gain access to special items and exclusive offers available only to RedCard holders, enhancing your shopping experience with unique perks.
- Extended Return Time: Benefit from an additional 30 days for returns and exchanges at Target, providing flexibility and peace of mind for your purchases.
- Starbucks Discount: Save 5% on your purchases at any in-store Starbucks location when using your Target Red Card, adding an extra perk for coffee enthusiasts.
- Specialty Gift Cards Savings: Receive a 5% discount on specialty gift cards for travel, restaurants, movie tickets, and more, allowing you to save on a variety of experiences and purchases beyond Target.
When You Might Prefer The Amazon Card ?
You might prefer the Prime Visa over the Target Red Card If:
- You Are A Frequent Amazon Shopper: If you find yourself regularly shopping on Amazon, the Prime Visa card's 5% cash back on Amazon and Whole Foods purchases can quickly accumulate significant rewards.
- You Want Travel Benefits: The Amazon Prime Visa card offers additional travel-related benefits, including baggage delay insurance, extended warranty protection, lost luggage reimbursement, and travel accident insurance. If you value these travel perks, the Amazon Prime Rewards card might be a better fit for your lifestyle
- You're Already a Prime Member: The Prime Visas card requires a Prime membership, and if you already enjoy the various perks of Prime, such as free two-day shipping, access to Prime Video, and exclusive deals, the credit card seamlessly integrates with these benefits.
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When You Might Prefer The Target RedCard?
You might prefer the Target Red Card If:
- Dedicated Target Shopper: If you are a frequent shopper at Target for various needs, including household items, groceries, clothing, and home goods, the Target Red Card offers a consistent 5% discount on all Target purchases. This makes it an attractive option for those who regularly make Target their one-stop shopping destination.
- In-Store Shopping Preference: Unlike other store cards, the Target Red Card's 5% discount is not limited to online purchases; it extends to in-store transactions as well. If you prefer the in-store shopping experience and frequently visit Target locations, this card provides immediate savings at the checkout counter.
- You Want Exclusive Deals and Offers: The RedCard provides access to RedCard Exclusives, including special items and offers. If you appreciate exclusive discounts and promotions, this can be a compelling reason to choose the Target RedCard.
Compare The Alternatives
If you're looking for a store credit card with great rewards for online shopping – there are some good alternatives you may want to consider:
|
|
| |
|---|---|---|---|
Costco Anywhere Visa® Card by Citi | Apple Credit Card | Sam's Club® Mastercard® | |
Annual Fee | $0 ($60 Costco membership fee required) | $0
| $0 ($50/$110 for Club/Plus membership – MUST)
|
Rewards |
1-4%
4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
| 1% – 3%
3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
|
1-5%
5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
|
Welcome bonus |
None
None
| N/A |
None
$30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
|
Foreign Transaction Fee | $0
| $0 | N/A
|
Purchase APR | 20.49% (Variable)
| 15.99% – 26.99% Variable
| 20.40% or 28.40% Variable
|
Compare Amazon Prime Visa Card
My Best Buy Visa Card is cheaper than the Amazon card, which requires a membership. But, it doesn't mean Amazon wins – here's why.
The Amazon Prime Visa card offers high cashback for avid online shoppers. However, Costco is the winner when it comes to everyday spending.
If you're a geek of both Amazon and Apple and not sure which card is better for your needs, we think we can help – there is a clear winner.
The BJ's One+ Mastercard wins if you focus on groceries, but Amazon's card extra shopping perks and insurance are better.
Both the Prime Visa and the Capital One Walmart card offer similar cashback rewards ratios.
Here's why Walmart is our winner: Prime Visa vs: Capital One Walmart Rewards
Compare Target Red Card
If you focus on groceries – the Target RedCard wins, but if you focus on travel or gas – you may want the Costco credit card.
Target Red Card vs. Costco Anywhere Visa Card: How They Compare?
If you do all your grocery and fuel shopping at either Target or Sam's Club, the cashback you get from both credit cards is pretty similar.
The target RedCard is our clear winner, with a higher cash-back rate and estimated annual value. Here's what you can get with each card.
The Target RedCard is our winner especially if you focus on groceries and dining, with much better cashback rates than Macy's Credit Card.
Target Red Card vs. Macy's Credit Card: What Store Card Offers The Highest Rewards?
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