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18 cards ranked

Best credit card to use at Target.

Online ShoppingTarget

Target sits in the same awkward bucket as Walmart for general-purpose credit cards: it codes as a discount store rather than a supermarket or department store, so most cards' bonus categories (grocery, dining, department stores) miss it entirely. Target.com purchases code as online shopping on most cards, which is where the highest non-co-branded earn rates show up. In-store, you're typically falling back to a strong flat-rate card unless you carry a Target-issued card for the 5% RedCard discount applied at checkout.

Picks without a tag earn at Target both in-store and online. Watch for theOnline onlytag — those bonuses only apply on target.com.

  1. #1
    Target Circle Card
    TD Bank
    Co-branded Target card
    Instant 5% discount at Target stores and Target.com, including in-store Starbucks and Target subscriptions; excludes Target GiftCards, prescriptions, and some services. A Mastercard version issued to well-qualified applicants also earns 2% on gas and dining and 1% everywhere else outside Target.
    5%
  2. #2
    Bank of America Cash Rewards SecuredOnline onlyif you select it
    Bank of America
    3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  3. #3
    Bank of America Customized Cash RewardsOnline onlyif you select it
    Bank of America
    3% on online shopping if you select it as a bonus category (up to $2,500/quarter, then 1%)
    3% in choice category (gas, online shopping, dining, travel, drugstores, home improvement); cap is combined with groceries/wholesale-club row
    3%
  4. #4
    Blue Cash EverydayOnline only
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  5. #5
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  6. #6
    Hilton Honors American Express SurpassOnline only
    American Express
    4x points on online shopping
    Eligible U.S. online retail purchases
    2.0%4x points
  7. #7
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  8. #8
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  9. #9
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
    2%
  10. #10
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  11. #11
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  12. #12
    Ink Business Premier
    Chase
    2% flat-rate cashback
    2.5% on purchases of $5,000 or more per transaction
    2%
  13. #13
    Intuit Business
    WebBank
    2% flat-rate cashback
    2%
  14. #14
    Navy Federal cashRewards Plus
    Navy Federal
    2% flat-rate cashback
    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
  15. #15
    PNC Cash Unlimited
    PNC
    2% flat-rate cashback
    2%
  16. #16
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  17. #17
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  18. #18
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%

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Last updated July 28, 2026

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