I don’t usually recommend store cards but I will in this case. The Target REDcard is totally worth having and it has saved us a lot of money. You save 5% on every purchase in-store and online, which really adds up. To sweeten the deal even more, they just added free shipping on everything at Target.com with no minimum purchase. If you shop at Target, this might might something for you to consider.
Oh, and as a word of caution, the savings only work if pay your account off in full every month. After all, what’s the point of saving 5% if you get hit with a 23% or so finance charge?!