Amazon App: Free $5 Credit + $5 off $10 Code for New Users

Here are two quick offers for those who haven’t used the Amazon smartphone/tablet app before – available on iOS and Android/Fire OS devices. There’s one for installing the app, and another for making your first purchase through the app. The first offer ends 12/17, so I’d jump on that one immediately.

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Get free $5 Amazon gift card after you install and sign-in to the Amazon app for the first time.

1. Download the Amazon app on your smartphone
2. Next, just open the app and sign in with your existing Amazon account ID and password
3. That’s it! You should see an email with $5 gift card redemption code within 7 days

The offer link will tell you if their records show that you’ve already logged into the app before.

Get a coupon for $5 off your first $10+ Amazon app purchase if you visit this referral link on a mobile device and apply the embedded claim code. If the link doesn’t work, you can also manually enter the promotional code JONAT1665N directly into the app. Open the app, go to Menu > Your Account > Invite Friends > Have A Referral Code?, and enter the code. You must not have made a purchase on the app within the last 12 months. The referrer (me) will receive a $5 off $10 coupon as well. Thanks if you use it.

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Netflix: Download Movies and Shows for Offline Viewing

netflix0I just saw that Netflix now allows an offline download option for many of their shows and videos (and not just Netflix-only shows). You will need iOS 8.0 or later, Android 4.4.2 or later, and the latest version of the Netflix iOS or Netflix Android app. This can save you money on cellular data and alleviates the pain of using slow WiFi. From the press release:

Many of your favorite streaming series and movies are already available for download, with more on the way, so there is plenty of content available for those times when you are offline. For example, Orange is The New Black, Narcos and The Crown are available for download today.

From The Verge:

… selection includes stuff made by Netflix (Stranger Things, The Crown, Narcos, Orange is the New Black, etc) but also a lot of other random choices. You’ve got Breaking Bad. You’ve got Mad Men. You’ve got… Paddington and Minions and Kung Fu Panda 3. This is going to be a huge deal for parents. Movies include Boyhood, Pulp Fiction, Nightcrawler, Good Will Hunting, Hot Fuzz, and more.

I agree, I’ve only started downloading tons of offline content after having kids. Here is a link to the Netflix Help Page on Downloading.

Not all titles are available for download. If you have a particular title in mind, you can search for that title and look for the download icon download.png. If you are interested in browsing downloadable titles, select Available for Download from the Netflix menu.

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Amazon Prime Video also allows downloads for offline viewing.

Free 1,400 Air Canada Aeroplan Bonus Miles Promotions

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Updated with more free miles offers. Even small amounts of bonus miles can be handy as Air Canada requires activity every 12 months to prevent Aeroplan miles expiration. They’ve been sprinkling various offers around:

250 bonus miles for Sharing Your Travel Story. You should see this text:

For a limited time, earn 250 miles when you share your Aeroplan travel story with us! We want to know about everything: trip highlights, fun activities, hidden gems, the best restaurants, and anything else you can think of.

150 bonus miles for Telling Them Your Goals. There is a rotating banner offering 150 bonus miles for telling them about your “goals”. Here’s a screenshot:

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1,000 free Aeroplan bonus miles for completing this quick “Myth or Truth” quiz. It doesn’t matter whether you the questions it right or wrong. You’ll need to enter your Aeroplan number. Note that you will see the following text at the end:

Please note that some promotions are offered by invitation, so bonus miles for those promotions will be credited only if you have been invited to participate and have fully qualified for the offer.

The quiz link is not unique, and I see no other way to tell if I am targeted or even if it matters. It only takes a minute, so it is worth a shot either way.

Navy Federal Credit Union CD Special: 2% APY for 17 Months + $150 IRA Bonus

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Navy Federal Credit Union announced a Special 17-month Certificate at 2% APY for a limited-time. That is a very competitive rate for that term length. Valid on regular taxable accounts, IRAs, and ESAs. Here are the highlights:

  • Open with as little as $50.
  • Make additional deposits anytime.
  • $50,000 maximum balance.

You probably won’t want to break this early, as certificates with a term greater than one year have an early withdrawal penalty of 180 days of interest (or all the interest earned so far, whichever is less). At least you can break it if it’s a true emergency. You may also notice their Special EasyStart Certificate at 3% APY, but there is a $3,000 maximum balance and it also requires direct deposit and checking.

Thanks to reader Chris for the tip. Note that it’s still not too late to get in on the 3% APY 84-month CD from Andrews FCU (must fund by 12/31/16). I would still consider this is NavyFed CD a good deal if you want a shorter term or don’t want the small risk of potential hassles from early withdrawals.

Additional IRA Bonuses up to $150. If you’re looking for very conservative investment for part of your retirement portfolio, you can open this certificate in an IRA. For a limited time, NavyFed is offering $50 when you open your first IRA with Navy Federal, plus you can earn another $100 when you setup a recurring automatic transfer of at least $50 per month to your new IRA. If, for example, you put in $5,000 towards a new IRA and got $150 + 2% APY of $100, that would work out to effectively 5% annualized interest for the first year.

Membership. The official eligibility options for NavyFed are primarily restricted to Marine Corps, Navy, Air Force, and Coast Guard regular Active Duty and reservists, and Army and Air National Guard personnel, but also includes family and household members of existing NavyFed members and some civilian employees in the Department of Defense. If you are looking for other ways to qualify, you might research this discussion on the Navy Federal Facebook page.

Navy Federal Credit Union has solid bank and loan products, including checking accounts with ATM rebates, competitive mortgage rates, and limited-time 0% balance transfer promotions. Readers have commented on their excellent customer service and the fact that they often keep and service the mortgages and other loans they originate.

Credit Karma Tax: Free Federal and State Tax Software, What’s The Catch?

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Credit Karma is expanding beyond free credit scores and free credit monitoring. Beginning in January 2017, they will offer completely free Federal and State tax preparation software with free e-File and no income restrictions. You must first join CreditKarma.com and then you can reserve a spot for when it opens. The tagline is “$0 Federal, $0 State, $0 Always. Truly Free Tax Returns.” Here’s an overview of what is and isn’t included in this offer.

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Is this legit? Yes. Credit Karma purchased AFJC Corporation, which was a private-label software provider and previously supplied the online tax software for Jackson Hewitt. They use your personal information to show you targeted ads. They used to do this with your credit report data, and now they want to do it with your tax return data.

What’s included.

  • Free Federal filing with free e-File for 90%+ of filers with no income restrictions.
  • Free State filing with free e-File for 90%+ of filers with no income restrictions.
  • No upsells, no upgrades, no “premium version”.
  • You can print and snail mail if you choose not to e-File.

Here are some popular forms included by Credit Karma Tax that the download edition of TurboTax Deluxe 2016 will require you to upgrade to Premier (~$20 extra) or Home & Business (~$30 extra).

  • Schedule C – Profit or Loss from Business (Sole Proprietorship)
  • Schedule D – Capital Gains and Losses (Stock Sales)
  • Schedule E – Supplemental Income and Loss (Rental property)
  • Schedule SE – Self-employment tax

What’s NOT included. Credit Karma will NOT support the following forms this year:

  • Filing multiple state or non-resident state returns
  • State filings without a federal return
  • Non-resident federal filing – 1040NR (non-resident tax return)
  • Foreign earned income credit
  • Non-dependent earned income credit
  • Married filing separately (MFS) in common law states
  • Estate and Trust income from K1 forms

No business tax returns. Credit Karma Tax supports Sole Proprietorships and income reportable on a Schedule C/E/SE, but does NOT yet support business tax returns for an S corporation, C corporation, partnership or multi-member LLC.

Credit Karma Tax does NOT support importing tax return information from other providers this year. There is no download version. There is no app version.

How does Credit Karma make money then? Quoted from their site:

When you visit Credit Karma, we show you offers and recommendations (like credit cards or loans) that could save you money. If you take one of these offers, the bank or lender usually pays us. We never charge you a dime. And we never sell your info to marketers.

My take? They should say they won’t sell your information to other marketers. They are the marketers, and now they’ll know more about your financial situation than anyone else besides you. On top of your credit report data, they’ll have income and expense data. For example, if they know you have a 4% rate mortgage, they could sell you a 3.5% refinance mortgage. If they know you are older and have a paid-off home (i.e. you pay property taxes but no claim no mortgage interest), they could sell you a reverse mortgage. If they know your income, they can estimate the amount of life insurance you need. You could actually like this customization, be creeped out completely, or simply plan to ignore the ads.

What could go wrong? The most common drawbacks mentioned are the idea that (1) “you are the product” and (2) what if they get hacked and you lose your personal information?

  1. Well, yes you are the product. Google and Facebook work the same way. You use their free service, they show you targeted ads and hope to extract money from you indirectly.
  2. If you really are worried about your personal information, you should buy tax prep software on physical CDs so that nothing is stored on anyone’s cloud servers. Don’t use any online tax prep software, including that of TurboTax/H&R Block/TaxACT.

I would say a less-mentioned drawback is lack of customer service or support. If there is a bug or tax question that I need help on and I have to spend an hour to fix it, then I’d rather have just paid upfront for better service. Other providers advertise human phone support and/or unlimited live chat.

Bottom line. It’s a pretty simple deal. Credit Karma will give you free Federal and State tax returns. You let them show you ads based on your financial data. Is this a good deal? For most people that have straightforward taxes and don’t usually need support, then quite possibly yes. If you do Federal + State + e-Files with TurboTax or H&R Block, the total cost can be $100+. If you have a complicated tax return or can get value from the conveniences offered by competitors (import last year’s data, unlimited phone support for weird situations, import of 1099-B tax lot data), then it may be worth paying extra elsewhere. I signed up on the waiting list and hope to compare the accuracy early next year.

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Amazon Store Card Review: 5% Back on Amazon Purchases with Prime

amazonstoreA few readers have asked my opinions of the Amazon Store Card, a retail card issued by Synchrony Bank. You can only use it to buy things at Amazon.com – note the lack of a logo from Visa, Mastercard, Discover, or American Express. This is a separate product from the Amazon.com Rewards Visa Card (3% back at Amazon), which is a credit card issued by Chase that you can use anywhere that Visa is accepted. The key benefits of the Amazon Store Card are:

  • 5% Back for Amazon Prime members. Amazon Prime members are automatically upgraded to the Amazon Prime Store Card and can earn 5% back on all Amazon.com purchases.
  • No annual fee.

There are also financing offers, that come with the card, similar to retailer cards from Home Depot or Lowe’s.

  • No interest if paid in full within 6 months on any purchase totaling $149 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 months. Minimum monthly payments required.
  • No interest if paid in full within 12 months on any purchase totaling $599 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months. Minimum monthly payments required.
  • No interest if paid in full within 24 months on select items sold by Amazon.com. Items sold by third parties do not qualify. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 24 months. Minimum monthly payments required and may pay off purchase before end of promo period.
  • 12 Month Equal Pay Offer: 0% APR until paid in full. 12 equal monthly payments required.

As with those home improvement offers, you have to watch out for the balloon interest payment at the end. If you don’t pay in full, you will get charged back-dated interest starting back from the purchase date and not the end of the promo period. This credit line charges a variable interest rate based on the Prime Rate. The current Variable purchase APR is 26.24%. Yikes.

Commentary. So why don’t I mention the Amazon Store Card all the time? My rule of thumb is that a “hard” credit check can reliably net me at least $500 in value, usually from “try me! try me!” credit card incentives. It is very rare that I shop at any specific retailer enough to get $500 in savings. For example, it would take $10,000 of Amazon purchases at 5% back to net me $500 in cash back.

At the same time, 5% rotating category credit cards often have Amazon or a place that sells Amazon gift cards as an eligible category. Other cards like the American Express Blue Cash Preferred offer 6% back at grocery stores (that sell Amazon gift cards) or Chase Ink Business cards offer 5% back at office supply stores (that sell Amazon gift cards). Basically, there are other ways that I can stock up on Amazon gift cards at 5% off without having this card.

If you are a loyal Prime member that spends a lot of money at Amazon and prefer simplicity, then this card can make sense. The 5% off is automatic with your bill, and you get to easily track how much your Amazon habit is costing you. You’ll also want to be the type that either pays your bills in full or is great at navigating the fine print on financing opportunities. 26% APR interest is scary.

Citi American Airlines AAdvantage MasterCard Review – 50,000 Mile Limited-Time Bonus

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Limited-time bonus. The Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard®, from our partner Citi, has increased their sign-up bonus with a limited-time offer. Here are the updated card highlights:

  • For a limited time, earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy Group 1 Boarding on American Airlines flights*
  • No Foreign Transaction Fees on purchases.
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year*
  • Annual fee is $95, waived for the first 12 months.

Note the following fine print:

OFFER AVAILABILITY
American Airlines AAdvantage® bonus miles are not available if you have had any Citi® / AAdvantage® card (other than a CitiBusiness® / AAdvantage® card) opened or closed in the past 24 months.

To clarify, you can have one of both the consumer version of this card and the CitiBusiness business version under your name. The bonuses are also separate. You can get one consumer bonus every 24 months, and you can also get one business bonus every 24 months.

American Airlines MileSAAver awards are still 25,000 miles for a round-trip ticket within the contiguous 48 states. If the trip is less than 500 miles, then it is only 15,000 miles roundtrip within the contiguous 48 states. Under-500 miles routes include Las Vegas to/from Los Angeles, Charleston to/from Miami, New York to/from Washington DC, Philadelphia to Boston, and many others.

This card also makes you eligible for Reduced Mileage Awards, where you save up to 7,500 miles on roundtrip MileSAAver® awards to select destinations on American Airlines operated flights. Combine this with the 10% rebate on redeemed AAdvantage miles, and you can stretch your miles a lot further.

Bottom-line. This limited-time offer is a 20,000 miles increase from the previous 30,000 mile offer. The annual fee is also waived during the first year. Since you can only get one of these bonuses once every 24 months, it it is best to wait for such a bumped-up bonus. As with most of these co-branded cards, a lot of the potential value comes when you fly on American and use the free first checked bag benefit ($50 per person, roundtrip) and also when you redeem miles.

Citi® / AAdvantage® Platinum Select® World Elite MasterCard® application page

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

CitiBusiness American Airlines AAdvantage MasterCard Review – 50,000 Mile Limited-Time Bonus

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Limited-time bonus. The CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®, from our partner Citi, has increased their sign-up bonus with a limited-time offer. Here are the updated card highlights:

  • Please note this a business card, designed specifically for businesses. Click here for the consumer version.
  • For a limited time, earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy Group 1 Boarding on American Airlines domestic flights*
  • No Foreign Transaction Fees on purchases.
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases.*
  • Annual fee is $95, waived for the first 12 months.
  • Earn AAdvantage® miles on Employee Purchases. Receive employee cards at no additional cost and get closer to your next adventure with every transaction.

Note the following fine print:

Card Offer: This card is not available if the business already has a CitiBusiness® / AAdvantage® Platinum Select® World MasterCard® card. Bonus miles are not available if you have had any CitiBusiness® / AAdvantage® card opened or closed in the past 24 months.

To clarify, you can have one of both the consumer version of this card and this business version under your name. The bonuses are also separate. You can get one consumer bonus every 24 months, and you can also get one business bonus every 24 months.

American Airlines MileSAAver awards are still 25,000 miles for a round-trip ticket within the contiguous 48 states. If the trip is less than 500 miles, then it is only 15,000 miles roundtrip within the contiguous 48 states. Under-500 miles routes include Las Vegas to/from Los Angeles, Charleston to/from Miami, New York to/from Washington DC, Philadelphia to Boston, and many others.

There are some small differences between this and the consumer version of this card. This business card offers 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations. The consumer version does not. I also do not see any mention of the ability to earn 10% of your redeemed AAdvantage® miles back on this business card.

However, this business card does make you eligible for Reduced Mileage Awards, where you save up to 7,500 miles on roundtrip MileSAAver® awards to select destinations on American Airlines operated flights.

Business card eligibility. Many people aren’t aware that they can apply for business credit cards, even if they are not a corporation or LLC. Any individual can be a small business. Perhaps you sell items on eBay, Craiglist, or Etsy. Maybe you do some graphic design, web design, freelancing and/or consulting. If you received a 1099-MISC tax form and filled out a Schedule C, that means you have business income, you pay self-employment taxes, and you’re a sole proprietorship. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

Bottom-line. The limited-time offer for this business card includes a higher 50,000 mile bonus and the annual fee is also waived during the first year. Since you can only get one of these bonuses once every 24 months, it it is best to wait for such a bumped-up bonus. As with most of these co-branded cards, a lot of the potential value comes when you fly on American and use the free first checked bag benefit ($50 per person, roundtrip) and also when you redeem miles.

“Disclaimer: This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program.”

ThanksAgain: 200 Bonus Points Promo Link, Keep Multiple Miles Accounts From Expiring

ta_app0Updated with another 100 point link. ThanksAgain is a smartphone app for frequent travelers that gives you points for buying things inside of airports. You link up your credit card number and then automatically earn miles at participating merchants when you shop at them. You don’t need to remember to show membership cards, etc.

Through this Hilton Honors-branded link, scroll down to the bottom and see that you can get 100 Hilton Honors points if you sign up before 12/31/16.

Sign up and earn 100 bonus points just for enrolling! (Enrollment bonus is valid through 12/31/16).

Added: Reader KP comments that after you sign up you should visit this link for a 1-question survey that will land you another 100 points. Easy-peasy.

To be more specific, you get 100 ThanksAgain points, which can be converted to a variety of frequent flier mile and/or hotel loyalty points programs. Here is the list along with conversion ratios. The neat feature is that you can convert as little as 10 points, meaning you can create “partner activity” on a variety of programs and potentially keep your points from otherwise expiring.

  • Aeromexico Club Premier® x 0.5 pts
  • Alaska Mileage Plan™ x 0.5 pts
  • American AAdvantage®x 0.5 pts
  • Fiesta Rewards® x 1.0 pts
  • Frontier EarlyReturns® x 0.5 pts
  • Hilton HHonors® x 1.0 pts
  • JetBlue TrueBlue® x 0.5 pts
  • Southwest Rapid Rewards® x 0.5 pts
  • United MileagePlus® x 0.5 pts

In other words, your 100 ThanksAgain points can be converted to 5 Alaska Mileage Plan miles, 5 American AAdvantage miles, 10 Hilton points, 5 JetBlue points, 5 Southwest RR points, 5 United miles, and so on. Alternatively, you could save your points for later and as long as this feature remains (it might not), keep doling them out over time to keep your accounts active.

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There is a prompt for a promo code on the sign-up form, but a promo code is not required for these 100 points. I just signed up using the “Register” link on the top right corner of the page, and immediately after signing up and logging in for the first time, I saw my free 100 bonus points:

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I then promptly linked up my (almost inactive) Alaska Airlines account and transferred over 10 points = 5 Alaska Air miles. According to the website, they should arrive in 7 days. Update: The 5 points arrived in 5 days. Easy.

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Overall, signing up for ThanksAgain and linking up a credit card appears to be no-lose proposition. It’s free. You don’t need to change any of your spending habits. If you do end up buying an overpriced Burger King Whopper while catching a flight, you’ll automatically get a few points that can delay the expiration of your frequent flier miles. The hardest part for me will be that I keep using different credit cards all the time.

How To Stop Mailed Paper Catalogs and Other Junk Mail

surlacatAs a follow-up to how to stop balance transfer checks, here’s all I know about stopping unwanted paper catalogs. Direct mail catalogs are like weeds. You unsubscribe from a bunch of them, but then later you buy someone a cast iron skillet and then – poof! – you get Sur La Table catalogs. I don’t need three different kitchen tools to remove strawberry stems, trim brussels sprouts, or cut grapes in half. I have a paring knife and opposable thumbs!

Unfortunately, there is no standardized way to unsubscribe from all or specific catalogs. Here’s what is available:

Catalog Choice. This appears to be the most up-to-date and thorough website, although you’ll have to do most of the work. Run as a non-profit that is unaffiliated with the direct marketing industry, CatalogChoice.org serves as a database that helps guide you on how to manually unsubscribe from various catalogs. They used to offer something call the Mail Stop Envelope that let you mail them the address labels from your unwanted catalogs, but they discontinued the service. They also used to have an app called Mail Stop Mobile, but that is also gone. Sigh.

National Do Not Mail List. You can add your mailing address to the National Do Not Mail List run by DirectMail.com here.

We can use our vast direct marketing expertise to get your name off of those lists. As direct marketers ourselves, we know that mail-order companies don’t want to waste their money sending mail to people who don’t want to receive it.

DMAChoice.org. This is the big one. According to their website, “DMAChoice.org is an online tool developed by the Direct Marketing Association to help you manage your mail.” However, the Consumerist warns us that Direct Marketing Association’s Opt Out Website Is A Joke and may not fulfill its promises. While writing this post, their website didn’t even load half the time. It’s still worth a shot.

Other Direct Mail lists. Other direct mail lists that you can opt out of include ValPak and RedPlum Mail.

Phone books / Yellow Pages. You can opt out at both Dex Media and YellowPagesOptout.com to finally end delivery of those huge phone books.

Paper Karma app. I discovered Paper Karma a couple years ago, but I never could really tell if it worked or not since it takes months for catalogs to actually stop coming. The app store reviews indicate hit or miss success as well. Recently, I received reports that new users were being asked to pay $20 per year. That’s too bad as the fact that you just take a smartphone picture of the address label makes it so appealing. I just snapped another address label picture using their app (December 2016) and it went through without asking me to pay, but perhaps I am in some sort of grandfathered free account (or they give out a certain number of freebies?). If you can get it to work for free, this may also be worth the effort.

Amazon $5 off $15 of Print Books Coupon

amazonbook5Amazon has a new promotional code GIFTBOOK that gets you $5 off any books purchase of $15 or more. Must be print books (can be multiple), shipped and sold by Amazon. This offer keeps getting extended, so look for the banner when you click on the link. Here are four recent books on my to-read list that you may consider as gifts or for yourself (I bought one of these with this coupon):

Here are (again) my recommended books about early retirement and financial freedom:

Here are all my book reviews in reverse-chronological order.

Finally, I’m just going to slip this in here because it’s probably not worth a separate post… This 3-pack of Amazon Anytime Gift Cards are currently on sale for $3. There is also a promotion on the page where you get $2 promo credit for each Anytime Gift Card activated for $10 or more. So buy the 3-pack, activate all three for $10 each, and get $6 in promo credits. You’ve now spent $33 and gotten $36 in Amazon credit.

Target 10% Off Gift Cards on Sunday, December 4th, 2016

targetgcTarget is planning to offer 10% off Target Gift Cards on Sunday, December 4th. This was announced in a Target press release.

Popular promotions from 2015 will return, including 10 Days of Deals, which will feature a distinct offer each day for 10 days. Target also will extend its free shipping promotion by a full week this year, waiving the shipping fee for all digital orders from Oct. 25 through Jan. 1, 2017. Cartwheel, Target’s digital savings app, is bringing back popular holiday deals, including 50 percent off one toy per day between Nov. 1 and Dec. 24, and on Dec. 4, guests will save 10 percent on Target GiftCards. Guests also will save with free returns and an extended Price Match Guarantee, which enables them to price match any purchase made Nov. 1 through Dec. 24, excluding Thanksgiving through Cyber Week.

Update: Additional details posted at Target Corporate.

  • Valid at Target stores from open to close 12/4, or log on to Target.com to buy Target GiftCards from midnight PT Dec. 4 to 11:59 PT Dec. 4.
  • Target GiftCards purchased on Sunday, December 4th may be redeemed beginning Monday, December 5th at 10am CT.
  • Each household can buy up to $300 worth at the discount price (for $30 in savings). Limit One transaction up to $300 on Target.com. Quantities are limited (sorry, no rainchecks).

Offer excludes Target Visa® Gift Cards, Target MasterCard® Gift Cards, Target American Express® Gift Cards, gift cards issued by other merchants, reloads of previously purchased Target GiftCards, Target GiftCards given in exchange for electronic or prepaid trade-ins, Target GiftCards provided for merchandise returns and Target GiftCards provided as free promotional card with qualifying purchase.