For those of you who use your debit card exclusively, as I do, Target has a Debit card that comes directly out of your bank account just like your bank's debit card (it usually takes a few days to process). There are NO fees, and you get 5% off every transaction instantly. Sure, 5% isn't much, but it's money you AREN'T spending, and it is EASY!! I have had my card since October 2010 and absolutely love it!!
Also, be sure to sign up for Take Charge of Education on your card. It will send 1% to your local school, and we KNOW schools need every penny they can get these days. This is money that you don't have to spend to donate!! It's there; tell Target where you want it to go!
