My wife and I recently signed up for the Target Red Card seeing that we shop there so often anyways. Much to my surprise, my toy buying cost has become lower using their card. It's 5% off all purchases before taxes. The sales tax here in Virginia is 5% which means that when it's all said and done, I'm actually paying less than MSRP. For example, I picked up the voyager Prime Starscream today for $19.99. 5% off that being $1 then plus VA sales tax brings the end total to $19.94 out the door. Granted it isn't much on a purchase by purchase basis but it is nice to see those savings especially on a frequent basis. Makes me wish I signed up for that card earlier as there's no annual fee either. Now I try to avoid TRU and Walmart altogether. TRUs inflated prices kill wallets and Walmart, well, I'm sure I don't need to comment much about them.