Target RedCard — you instantly receive a 5% discount at checkout, which applies both in-store and online. The Walmart cards earn a lower 2% back in-store.Rewards you earn with either Walmart card can be redeemed at any time and for any amount. Redemption options include travel, gift cards, statement credit and the ability to cash in points during online checkout at Walmart.com.
There are no redemption options for the Target RedCard since you instantly receive a 5% discount at checkout.Tie. It depends on how you prefer to redeem rewards. If you don't want to deal with the hassle of cashing in your points, the Target RedCard is the best choice. But if you want to use rewards for travel or gift cards, the Walmart cards provide more options.The Walmart Rewards Card and Target RedCard can only be used at Walmart and Target properties, respectively.
If you prefer to do your shopping in-store, Walmart has more locations you can visit versus Target , making it more accessible for shoppers.Walmart for two reasons: You can benefit from over 2,700 more locations than Target, and the Capital One® Walmart Rewards Mastercard® can be used anywhere Mastercard is accepted. However, it's a tie if you prefer online shopping.
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