Yes. You can get cash back by using any of Target’s four card offerings: the Target Circle™ Card Mastercard, the Target RedCard Debit Card, the Target MasterCard and the RedCard Reloadable Account. Target cash back is applied as a discount at checkout.
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Target Circle™ Card Mastercard Review: 5% Off for Frequent Target Shoppers
Content was accurate at the time of publication.
LendingTree's Review
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
Rewards rate
5% off every day at Target and Target.com. Plus, earn 2% on dining and gas purchases and 1% everywhere else outside of Target
Annual fee
$0
Additional benefits
Free shipping on most Target.com items
Key takeaway
The Target Circle™ Card Mastercard is a must-have for frequent Target shoppers. Getting 5% off every day at Target and Target.com. Plus, earn 2% on dining and gas purchases and 1% everywhere else outside of Target allows you to rack up savings on everyday purchases and grocery hauls. Plus, perks like free two-day shipping make shopping at Target more convenient.
Pros and cons of the Target Circle™ Card Mastercard
Pros
- 5% off every day at Target and Target.com. Plus, earn 2% on dining and gas purchases and 1% everywhere else outside of Target
- Discount applied automatically
- $0 annual fee
- Free two-day shipping
- Extended returns
Cons
- Can only be used at Target
- High interest rates
- No 0% intro APR
- Discount does not apply to all Target purchases
Is the Target Circle™ Card Mastercard worth it?
Target regulars, take note: You won’t find better Target savings and perks outside the Target Circle™ Card Mastercard. When you use your Target Circle™ Card Mastercard, you’ll get 5% off every day at Target and Target.com. Plus, earn 2% on dining and gas purchases and 1% everywhere else outside of Target automatically – the discount is applied at checkout. Plus, shopping at Target will be more convenient with valuable perks like free two-day shipping and an extra 30 days for returns. And you won’t have to worry about an annual fee – it’s $0.
If you want a credit card you can use outside of Target, this card is not for you. The Target Circle™ Card Mastercard is a store card, which means you can only use it in Target stores and online at Target.com. You should also look elsewhere if you tend to carry a balance. The card’s high APR – currently 28.45% variable (variable) – can land you in financial hot water if you don’t pay off your card every month.
What is a Target Circle™ Card Mastercard?
Along with the Target Circle™ Card Mastercard, Target offers other products under the RedCard trademark, including a debit card, a Mastercard and a RedCard Reloadable Account. All of these give you 5% off every day at Target and Target.com. Plus, earn 2% on dining and gas purchases and 1% everywhere else outside of Target.
Quick facts
Recommended credit: Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion Good
Rewards Rate: 5% off at Target, 1% - 2% cash back outside of Target
- Earn 5% off every day at Target and Target.com.
- Earn 2% rewards on dining and gas purchases and 1% everywhere else outside of Target
Welcome offer: $50 cash credit
- Get $50 in Circle Rewards when you spend $50 on your Circle Credit Card within the first 60 days following approval.
Rates
- Intro purchase APR: N/A
- Regular purchase APR: 28.45% variable
- Intro balance transfer APR: N/A
- Regular balance transfer APR: N/A
- Regular cash advance APR: 29.65% variable
- Penalty APR: N/A
Fees
- Annual fee: $0
- Balance transfer fee: N/A
- Cash advance fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Foreign exchange fee: N/A
- Late fee: Up to $41
Other benefits
- Exclusive access to special items and offers
- 5% off at any in-store Starbucks location
- 5% off specialty gift cards for travel, restaurants and more
- An estimated $500 in savings on baby supplies
- Free two-day shipping
- 60 day window for returns
Target Circle™ Card Mastercard benefits
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5% off every day at Target and Target.com. Plus, earn 2% on dining and gas purchases and 1% everywhere else outside of Target
You can get 5% off every day at Target and Target.com. Plus, earn 2% on dining and gas purchases and 1% everywhere else outside of Target with the Target Circle™ Card Mastercard. Few cards without the Target RedCard trademark will give you more cash back at Target. And Target makes it easy to earn these rewards – your discount is automatically deducted when you check out. This is unique, since most cash back credit cards require you to take an extra step to redeem your rewards.
The discount applies to clearance items, purchases at in-store Starbucks locations, subscription deliveries, specialty gift cards and same-day delivery orders through Shipt.
Rewards: If you spend $2,400 at Target in a year – an average of $200 per month – you’ll get $120 in cash back. -
Annual fee
The Target Circle™ Card Mastercard comes with a $0 annual fee. Target doesn’t charge for a membership program in order to use the card, so you’ll get your Target discount and perks without having to pay for a loyalty program. If you want to earn cash back with similar cards like the Costco Anywhere Visa® Card by Citi or the Prime Visa, you’ll have to cough up an annual membership fee.
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Free two-day shipping
When you use your Target Circle™ Card Mastercard to shop at Target.com, you’ll get free two-day shipping on most items, saving yourself Target’s $5.99 standard shipping fee. Note that, if you tend to make large online orders from Target, this benefit may not make much difference to you. You can get free two-day shipping even if you don’t have a Target Circle™ Card Mastercard as long as you spend at least $35 on your order.
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Extended returns
You’ll get 30 additional days to return a purchase beyond Target’s standard return policy when you pay with your Target Circle™ Card Mastercard.
Target Circle™ Card Mastercard drawbacks
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Can only be used at Target
Unlike traditional credit cards that you can use anywhere, you can only make purchases with the Target Circle™ Card Mastercard at Target stores and Target.com. We recommend the Discover it® Cash Back if you want a rewards card you can use wherever you go.
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High interest rates
If you carry a balance on your Target Circle™ Card Mastercard from month to month, you will be subject to a high APR of 28.45% variable (variable) on purchases. That said, store credit cards typically charge higher interest rates than traditional credit cards.
Pro tip: If you want a Target Circle™ Card Mastercard without the risk of racking up high-interest debt, consider the debit card version. It offers the same perks as the Target Circle™ Card Mastercard. The difference is that when you make a purchase, your total will be withdrawn automatically from an existing checking account. -
No 0% intro APR on purchases
Unlike some store cards, the Target Circle™ Card Mastercard doesn’t offer any type of financing for Target purchases. If you want to finance a large purchase like a TV or a piece of furniture and pay it off over time, consider using a card with a 0% intro APR. This will give you breathing room to pay off your balance before your card starts charging interest.
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Discount does not apply to all Target purchases
There are some exceptions to the 5% off every day at Target and Target.com. Plus, earn 2% on dining and gas purchases and 1% everywhere else outside of Target. Exclusions include prescriptions, Target Optical eye exams and protection plans, Target gift cards and prepaid cards, certain restaurant merchants in Target stores, Shipt membership fees, alcohol purchases in Indiana, gift wrap and shipping and handling charges on Target.com purchases and wireless protection program purchases.
Compare the Target Circle™ Card Mastercard to similar cards
| Credit Cards | Our Ratings | Rewards Rate | Welcome Offer | Regular APR | |
|---|---|---|---|---|---|
|
Target Circle™ Card Mastercard*
|
5% off at Target, 1% - 2% cash back outside of Target
| $50 cash credit
Get $50 in Circle Rewards when you spend $50 on your Circle Credit Card within the first 60 days following approval.
| 28.45% variable | ||
Discover it® Cash Back
 Apply Now
on Discover's secure site Rates & Fees |
1% - 5% cash back
| Cashback Match
Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
| 17.49% - 26.49% Variable APR |
Apply Now
on Discover's secure site Rates & Fees |
|
Citi Double Cash® Card
Apply Now
on Citibank's secure site Rates & Fees |
2% - 5% cash back
| $200 cash back
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
| 17.49% - 27.49% (Variable) |
Apply Now
on Citibank's secure site Rates & Fees |
|
Chase Freedom Unlimited®
Apply Now
on Chase's secure site Rates & Fees |
1.5% - 5% cash back
| $200 cash back
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
| 18.24% - 27.74% Variable |
Apply Now
on Chase's secure site Rates & Fees |
*The information related to the Target Circle™ Card Mastercard has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.
Alternative to the Target Circle™ Card Mastercard
Compare it to the Discover it® Cash Back
If you want flexibility in terms of where you can earn rewards, the Discover it® Cash Back may be a better fit. You’ll earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.
Rewards: If you max out the $1,500 spending cap each quarter, you can earn $300 cash back at the end of the year. The Discover Cashback Match bonus doubles that amount to $600 in your first year.
Should you apply for the Target Circle™ Card Mastercard?
The Target Circle™ Card Mastercard is a great fit if you’re a frequent Target shopper who wants a simple rewards program to offset the cost of regular Target hauls. The Target Circle™ Card Mastercard makes shopping at Target more convenient for you, too, with perks like free two-day shipping and an extended return window.
However, if you are an occasional Target shopper, you should skip this card in favor of a rewards card that aligns with your spending habits.
Frequently asked questions
You can apply for the Target Circle™ Card Mastercard with Target’s online application.
No. Currently, there is no way to get Target credit card preapproval.
You need good credit to qualify for the Target Circle™ Card Mastercard. Issuers usually consider good credit to be a FICO score of 670 or above.
The information related to the Target Circle™ Card Mastercard, Costco Anywhere Visa® Card by Citi and Prime Visa has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.