Target Circle Credit Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Target Circle Credit Card4.6/5

Target

Annual fee
$0
Rewards rate
5%-0%
Welcome Bonus
$50
Apply Now →on Target's website
Regular APR:29%-30% Variable APR

  • 5%Discount on purchases at Target

Welcome Bonus:

Get $50 in Target Circle Rewards when you spend $50 on your Target Circle credit card within the first 60 days.

Reward Rate:

Save 5% on everyday purchases at Target.

APR:

29%-30% Variable APR

What sets the Target Circle Credit Card apart is its straightforward 5% discount on all purchases at Target, making it a great option for regular shoppers. The card also offers additional perks like free shipping and exclusive deals, enhancing the overall shopping experience.

Pros:

  • Immediate 5% discount on purchases
  • No annual fee

Cons:

  • High APR
  • Limited to Target purchases
Apply now →

The Target Circle Credit Card is well-suited for frequent Target shoppers who can benefit from the consistent 5% discount on purchases and additional perks such as free shipping and exclusive offers. With no annual fee, it provides an attractive option for those looking to maximize their savings on everyday shopping at Target.

Frequently Asked Questions