Target is offering a new credit card loyalty program that offers a 5% discount on almost anything that Target sells, replacing an existing program in which shoppers earn points toward discounts.

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To make the experience even more attractive, the company is combining its loyalty program and also issuing promotions with a 15% off on its entire merchandise shopped via Google Wallet.

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Winn Dixie in Florida had its FuelPerks program while large national chain SuperValu gives discounts to loyalty card members based on store purchases and offers coupons in select markets.

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Loyalty program enrollees can download a mobile app that lets them see different offers depending on where they are moving in each store.

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In a February interview, Ryan Records, a vice president of payments and cards at Starbucks, highlighted rising amounts of money being loaded on the Starbucks Card, a holiday-season spike in new loyalty program members and strong mobile app downloads as reason to see the unit as being increasingly relevant to Starbucks.

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Goretsky, who now uses the Square Register on the iPad, has given suggestions to the company, such as a loyalty program or gift cards.

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