I can also see this new challenge coming up for the guests..... Guests already come up and ask if we can just enter a phone number to use their REDcard. Of course, you have to explain that REDcard isn't just a loyalty card but a payment card and we don't keep that type of info for security reasons... Most guests 'seem' to understand that, I've had a few get really frustrated and even heated after offering they come back same day with the card and receipt... So. My point. Now we will actually HAVE a loyalty program in addition to REDcard. How many people will think this will somehow tie the two together? I know there are other retailers who have a credit card and loyalty program, but the 'saving money, getting money back' sometimes makes people's brains melt and they somehow can't tell the difference. URGH.
And I was trying to math it out, 5% on a couple items off and pay full price for the rest or take 1% off across the transaction.... There's no logic there. You aren't 'saving' more. That's a penny every dollar. I spend 10 bucks, I get $.10 on a giftcard verses instant savings in my pocket (I saw someone already brought that up). People ALREADY get mad when you try to explain why their 'free' giftcard is being 'paid' for- essentially taking that $5 from the selected items and dumping it right back into Target for later use- so Target again is just finding ways to tie up the money and not really costing them a thing.
One thing I will say that I DO like about it- people who try and abuse Cartwheel and/or scam the hell out of it. You know the ones. And good riddance. They ruin a good thing.