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If you don't have one, get one, they are free and a great deal.
All the same benefits as the regular credit card.
They have a RedCard Credit Card, and a RedCard Debit card
The Credit Card works, just like you think it would
The Debit card takes the money right out of your checking account, but still gives you free shipping and 5% off, so if you can't get approved for the credit card, or (like me) spend more than your credit card limit, use a debt card. :)
The 5% off also stacks with deals like the current $7 off a $70 online order. So buy something for just over $70, and get $10.50 off which is 15%, plus free shipping. Code can be used over and over...
Target Card (Credit)
Target Visa (Credit)
Target Debit Card
This link shows you more information, and how to apply for the cards: https://redcard.target.com/redcard/content/rcw_tck_application
Toward the top of the page, the pre-selected card is the Target Credit Card, but right next to that, there will be a grayed-out image. If you click on that, you will see details for the Target Debit Card.