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10 Unexpected Perks Every Target Shopper Should Be Aware Of
Advertiser Disclosure
If Target is part of your regular shopping routine, then you already know how satisfying it is to score a good deal. But even the savviest shoppers might be missing out on a few easy ways to stretch their dollars even further.
No need to stress — we’ve put together a quick list of smart, simple tricks that could help you save more every time you shop. It might not beat the thrill of a surprise clearance find, but it comes pretty close.
1. Making Sure You’re Always Getting The Best Deals at Target
For starters, if you spot a yellow clearance tag, don’t wait too long — it often means that product is being phased out or won’t be restocked. Target’s clearance pricing follows a markdown schedule, and if you catch items on the right day, you could save big.
Target carries over 80,000 items in-store, with even more online — and their digital deals are often better than what you’ll find on shelves. If you’re not already browsing the Target app, you’re missing out on exclusive app-only offers and same-day deals.
One of the best ways to stack savings? Use Target Circle — it’s free to join and gives you personalized discounts that apply automatically at checkout (no clipping or scanning required). And if you’re using a Target REDcard, you get an extra 5% off every purchase.
Pay close attention to the clearance stickers: an item marked 15% off could go to 30%, then 50%, and sometimes all the way to 70% if you’re patient — but popular items rarely stick around that long.
2. Overpaying when you shop online
You might be surprised how often you’re overpaying on Amazon and elsewhere.
Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices.
I typically hate browser extensions with a fiery passion, but if you don’t have Capital One Shopping added yet, do yourself a favor and grab it while it is still free.
When you shop online (on Amazon or elsewhere) it will:
- Auto-apply coupon codes to potentially help save you money
- Compare prices from other sellers to help make sure you’re not missing out on a better deal
Whenever the extension finds an available discount, you’ll see a little savings alert pop-up.
Here’s a link to get Capital One Shopping
3. Don’t let home repairs drain your bank account
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. Not being able to make repairs could leave you in a bad situation — but a home warranty could protect you against surprise expenses.
Whether you’re a brand-new homeowner or you’ve owned your home for years, a plan from Choice Home Warranty could pick up the slack where homeowner’s insurance falls short.
If a covered system in your home breaks down, you can call their hotline 24/7 for assistance to get it repaired. They have a network of over 15,000 technicians that can assist you, making sure any issue can be taken care of swiftly — without breaking the bank.
Not sure if it’s for you? Rest easy: they were named one of the “Best Home Warranty Companies” by US News 360 Reviews and were awarded Best Company’s 2020 Consumer’s Choice Award. For a limited time, you can get your first month free when you sign up for a Single Payment home warranty plan.
4. Cancel Your Car Insurance
You might not even realize it, but your car insurance company is probably overcharging you. In fact, they’re kind of counting on you not noticing. Luckily, this problem is easy to fix.
Don’t waste your time browsing insurance sites for a better deal. A company called Coverage.com shows you all your options at once — people who do this save up to $1,025 per year.
If you tell them a bit about yourself and your vehicle, they’ll send you personalized quotes so you can compare them and find the best one for you.
No phone calls. No spam. Just happy customers
Tired of overpaying for car insurance? It takes just two minutes to compare your options with Coverage and see how much you could save on car insurance
5. Loyal Customers Benefits You Might Not Be Aware Of
With Target Circle, you’ll unlock weekly personalized deals, birthday rewards, and even earn 1% back on every eligible purchase to use later. It’s free to join, and discounts are automatically applied at checkout — no need to clip or scan anything.
Frequent Target runs? The Target REDcard might be your secret weapon. You get 5% off every purchase — in-store and online — plus free 2-day shipping and extended returns. That’s real money back in your pocket without changing your shopping habits.
Love travel and entertainment? Target Circle often features rotating offers on theme park passes, event tickets, and subscriptions like Disney+ and Shipt — giving you even more value from everyday spending.
And don’t forget to check the Target app — it regularly drops exclusive access to limited-time deals, gift card bonuses, and early shopping events before they go public.
6. Tapping into your home’s equity
If you’re looking to cover a large expense like paying off credit card debt or funding a home improvement project, using your home equity might be a smart move.
However, with interest rates higher than they used to be, a cash-out refinance or traditional home equity loan might not make the most financial sense.
That’s where a home equity line of credit (HELOC) comes in. It works more like a credit card — giving you access to funds when you need them and letting you pay back only what you use, typically with lower payments during the initial draw period.
With LendingTree’s easy-to-use HELOC matching tool, you can answer a few quick questions and get matched with personalized offers from trusted lenders — all in one place. It’s a fast, simple way to see what options are available to you.
Check out LendingTree’s HELOC Matching Tool
Terms and conditions apply, NMLS #1136
7. Avoid interest payments until 2026
If you’re carrying a balance or planning a big purchase, choosing the right credit card could help you avoid interest into 2026 — and even earn cash back while you’re at it.
Our editors at DollarPerks have reviewed dozens of options and found the top-rated cashback credit cards for 2025. Many of them offer:
0% intro APR for up to 15 months on purchases and balance transfers (APR then varies)
No annual fees
Generous cash back rewards on everyday purchases like groceries, gas, dining, and more
Flexible redemption options and wide merchant acceptance
Whether you’re trying to pay off high-interest debt, make a big purchase without added fees, or just get rewarded for spending, these cards are some of the smartest money moves you can make right now.
Tap here to see the top cashback credit card picks for 2025
8. Ask this company to get a big chunk of your debt forgiven
Trying to stay on top of your debt can be overwhelming. Wouldn’t it be nice if someone could just… get you out of debt?
A company called National Debt Relief could convince your lenders to simply get rid of a big chunk of what you owe. No bankruptcy, no loans — you don’t even need to have good credit.
If you owe at least $15,000 in unsecured debt (credit card debt, personal loans, medical bills, etc.), National Debt Relief’s experts will build you a monthly payment plan. As your payments add up, they negotiate with your creditors to reduce the amount you owe. You then pay off the rest in a lump sum.
On average, you could become debt-free within 12 to 48 months.
National Debt Relief has already helped more than 500,000 people pay off over $5 billion in debt.
It takes less than a minute to sign up and see how much debt you could get rid of.
You will need to go through a short assessment with one of their experts, so be prepared for a short call once you have signed up. Yes, it’s for your own good, so make sure to pick up!
9. Take advantage of massive discounts and financial resources
If you’re not an AARP member you could be missing out on huge perks. When you start your membership today, you can get discounts on:
- Restaurants (save up to $450 per year!)
- Meal deliveries
- Airfare, Hotels, Cruises and Rental Cars
- Eyeglasses and even prescriptions that aren’t covered by insurance
Plus you’ll also get insider info on social security, job listings, caregiving, and retirement planning.
How to become a member today:
- Click the link below, select your free gift, and click “Join Today”
- Create your account (important!) by answering a few simple questions
- Start enjoying your discounts and perks!
Get 25% off your AARP membership, making it just $15 the first year with auto-renewal
10. Target Hacks For Savvy Shoppers
If you shop Target regularly, a few simple tricks can stretch your savings even further. For starters, keep an eye on endcap shelves — that’s where Target often places clearance items, sometimes marked down by 30%, 50%, or even 70%.
Have limited space or a tight budget? Try this: shop with a friend or neighbor and split multi-buy offers like “Buy 3, get a $5 gift card.” You both save, and no one ends up overstocked.
Timing is everything. Target follows markdown schedules for different departments (think Mondays for electronics, Tuesdays for women’s clothing, etc.), so shopping on the right day can land you the best deals.
Don’t skip the Target app either — it often features exclusive Circle deals and limited-time app-only offers that never appear on store shelves. And if you’re eyeing a big-ticket item, use the app’s price match policy: Target matches pricing from major competitors (including Amazon and Walmart) within 14 days.
One last pro tip? Combine Target Circle, manufacturer coupons, and RedCard savings for a triple stack of discounts — all in one transaction.
11. Cut your home insurance by $960+/year
You might not even realize it, but your home insurance company is probably overcharging you. In fact, they’re kind of counting on you not noticing.
Luckily, this problem is easy to fix.
Don’t waste your time browsing insurance sites for a better deal. This new website shows you all your options at once – you can save thousands by simply switching your home insurance provider.
You’ll likely save yourself a bunch of money.
Here is a link to financebuzz.com
12. This Secret Account Offers Up to $300 When You Set Up Direct Deposit
If you’re still banking with a traditional institution, chances are your savings are barely moving — earning something like 0.40% APY (which is next to nothing).
SoFi Checking and Savings (member FDIC) is changing the game, offering up to 3.80% APY on savings when you set up direct deposit or deposit $5,000+ in qualifying funds. Even checking balances earn 0.50% APY — that’s nearly 9x the national average on savings.
Set up a qualifying direct deposit of just $1,000 to unlock cash bonuses (terms apply).
With no account, monthly, or overdraft fees, mobile check deposits, easy transfers, and up to $3 million in FDIC insurance through the SoFi Insured Deposit Program, it’s one of the most feature-rich accounts out there.
Opening an account is fast, simple — and one of the smartest ways to help your money grow.
Advertiser Disclosure
Companies mentioned in this article have not been reviewed, approved or endorsed by included advertisers. Opinions are ours alone.
*Clients who are able to stay with the program and get all their debt settled realize approximate savings of 46% before fees, or 25% including our fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.”
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