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13 cards ranked

Best credit card to use at Target.

Online Shopping

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
    US Bank Shopper Cash Rewards
    U.S. Bank
    Earns 6% at Target
    If selected as one of your 2 quarterly retailers (up to $1,500/quarter, then 1.5%)
    6%
  2. #2
    Blue Cash EverydayOnline only
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  3. #3
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  4. #4
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  5. #5
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  6. #6
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  7. #7
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  8. #8
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  9. #9
    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%
  10. #10
    PNC Cash Unlimited
    PNC
    2% flat-rate cashback
    2%
  11. #11
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  12. #12
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  13. #13
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%

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Last updated May 17, 2026

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