Target Circle Card 2026 Review

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

Target Circle Card4.0/5

Target

Annual fee
$0
Rewards rate
5%-1%
Welcome Bonus
$50
Apply Now →on Target's website
Regular APR:28.20%-29.95% Variable APR

  • 5%Discount on eligible Target purchases
  • 1%Cash back on eligible purchases

Welcome Bonus:

Open a new Target Circle Credit Card and get $50 when you make $50 or more in qualifying purchases in-store or at Target.com within 60 days of card approval.

Reward Rate:

Target Circle is Target's free loyalty program that lets you earn 1% back on eligible purchases, access personalized 'Bonus' deals, and receive a 5% off birthday gift.

APR:

28.20%-29.95% Variable APR

The Target Circle Card is an excellent choice for regular Target shoppers, offering a straightforward 5% discount on most purchases. The welcome bonus of $50 for qualifying purchases within the first 60 days provides immediate value, making it a compelling option for those looking to save at Target.

Pros:

  • No annual fee
  • 5% discount on purchases

Cons:

  • High variable APR
  • Limited to Target purchases for rewards
Apply now →

The Target Circle Card is well-suited for frequent Target customers who can take advantage of the 5% discount on most purchases and the attractive welcome bonus. With no annual fee, this card can provide significant savings for those who regularly shop at Target, making it a practical choice for budget-conscious consumers.

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