They can link it directly to your checking account (i.e., it's not a credit card), and you save 5% on every purchase. Setting it up at Customer Service took about 5 minutes and my card came in the mail super quickly.
I try not to shop at Target too often, but hey, sometimes you just gotta go in. And now I'm saving another 5% off my purchases. Oh, and they will still donate (I think it's 5% of your purchases) to a school of your choosing!
Also, they have their own coupons that you can stack with a manufacturer's coupon. Did ya know that?
I'm not making a dime off sharing this news, so don't think this is a referral program or anything.