Here’s How To Make the Most of Target’s Discounts and Deals as a Senior
Written by
Angela Mae
Edited by
Levi Leidy
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In the U.S., there’s no set age when you’re considered a senior citizen, but many retailers will give discounts to those who reach a specific age. Usually, this is somewhere around 55, 62 or 65 years old, but it varies by brand and location.
If you’re a senior citizen, chances are you’re retired and living on a fixed income. In that case, you might want to find ways to cut costs when shopping at major retailers like Target.
Here’s what you need to know about Target’s discounts and deals for seniors, other savings opportunities and a few other major retailers where you could save even more.
What You Need To Know About Target’s Senior Discount
Target doesn’t have a specific senior discount program anymore, but that doesn’t mean you can’t still save money while shopping there. Many Target stores have “deals of the day,” which can get you anywhere from 20% to 50% off your usual purchases.
Some popular deals include:
- Up to 20% off certain electronics
- Up to 30% off kids’ and toddlers’ clothes (great for giving gifts to the grandkids or grand nieces and nephews)
- Up to 30% off kids’ games, toys and plushies
- Up to 40% off select candles
- Up to 50% off bedding and beauty gift sets
And of course, Target offers deals on groceries, home essentials, appliances and more. Sometimes, you’ll see these deals the day of. If you want to plan ahead, you can also see what’s coming soon to a Target near you.
Notably, some Targets also offer discounts for specific events. Black Friday, Christmas and other major holiday deals are great times to shop if you’re trying to save.
Best Ways To Save at Target
Besides those daily deals, Target also has other ways seniors (and other customers) can save money. These include:
- Special promotions and local offers: These vary by location, but you could find offers like free shipping or buy one, get one (BOGO) deals. There are also frequently clearance promotions.
- Affirm financing: If you want to buy a big-ticket item but don’t have a ton of extra cash, financing could be an option. As long as you have decent credit and some kind of income (such as Social Security), you could qualify for 0% to 36% APR financing through Affirm. However, you should feel confident you can pay off the item before interest kicks in, or else it could end up costing you a lot more than face value.
Saving Money Through Target Circle
Another option for Target shoppers, including seniors, is the Target Circle 360 and the Target Circle savings programs. If you join the Target Circle 360, you can get:
- Unlimited same-day delivery
- 50% or more membership fee savings if you get government assistance
- $50 savings if you have a Target Circle Card
- Extended return policy
The Target Circle 360 program costs $10.99 a month or $99 a year. You can also get a 14-day free trial with no strings attached.
If you use your Target Circle Card account or Target debit, credit or Mastercard to shop, you can also get 5% off your purchases. Note that this doesn’t apply to things like prescription medications.
If you’d rather save your money, you can still get discounts by using the standard Target Circle program. With this, any deals or discounts get automatically applied to eligible items at checkout. You’ll also get access to personalized deals and rewards, as well as free trials for certain products.
Saving Money as a Senior Veteran
Target does have a dedicated savings program for seniors who are veterans. The discount is 10% off eligible shopping. Military members and families can also qualify for this savings opportunity.
You’ll need to verify your military (or ex-military) status to qualify. To do this, simply create a free Target Circle account and upload a government ID. After that, you’ll automatically become eligible for extra savings.
Other Savings Opportunities at Retailers
The average person who’s 65 years or older earns about $55,046 after taxes, according to the Bureau of Labor Statistics. However, this number accounts for those who are still working as well. Many seniors earn much less than that.
If you’re a senior looking to save more money on daily shopping, here are a few other programs from popular retailers:
- Amazon Prime: Seniors and those receiving government assistance can save 50% on their regular Prime membership.
- Rite Aid Rewards 65+: If you’re 65 or older, you can join Rite Aid’s rewards program to earn 5x points on eligible in-store purchases. This only applies on the first Wednesday of each month. You can also get a free consultation for things like prescription medication, your immunization needs and certain pharmacy services.
- Walgreens Seniors Day: If you’re 55 or older, you can sign up to Walgreens’ senior savings program for free. You’ll get exclusive deals on the first Tuesday of each month (may vary by location).
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