I used to get a point for each $ spent in Tgt and a point for each $ spent outside of Tgt but the interest rate is horrible. I was so glad when they came up with the debit card. Always wrote checks before.
My understanding is that the VISA RC holders would be able to keep their cards...and as long as they continue to use it then it should continue to be renewed. If the guest hasn't used their card for a few months, perhaps the card was cancelled.....in which case the guest will need to re-apply for a RC.