Issued by TD Bank, the $0-annual-fee card gets you a 5% discount on all eligible Target purchases, which means you don’t have to wait to redeem rewards; you’ll get savings right at checkout.

Churners frequently open new credit cards with the intent of earning a welcome bonus and accessing other perks ...

Now let’s look at the second year with the same $500 credit limit. The annual fee will now be $49, and the account maintenance fee will cost $180 for the year, so the card now costs $229.