The $40 off $40+ Target RedCard promotion starts today and runs through October 8th.  Apply online and get an immediate account number (write it down) so you can shop while waiting for the plastic card and $40 coupon.  Coupon promotion is available online and in store, but then you’d need to get dressed.  Choose debit or credit card.  Valid for new accounts, but if you haven’t used your card in some time, check the status because Target automatically closes accounts after a period of inactivity.

A Target RedCard entitles you to 5% off most items, free shipping for online orders, and an extended return period.  With no annual fee, there’s no downside 🙂