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>Do Google Express customers have to provide their loyalty cards?

No. I order stuff from Target via Google Shopping Express multiple times a week without a loyalty card. I didn't even know Target had loyalty cards, in fact! Also if you're logged into your account you go go here and see what loyalty cards you can type in: https://www.google.com/shopping/express/#SettingsPlace:

The list includes Costco, REI, Staples, etc. but not Target.

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Target offers 5% discount on purchases if you use the RedCard Debit (linked to your bank account), credit, or Visa credit cards (no longer offered for new customers.) Essentially, they give you the fees charged by the payment brands and processors as a discount for using their card instead.

Target could compete effectively with the Google and Amazon offerings by adding delivery to their Cartwheel app.

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