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
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
U.S. Bank Cash+ Visa SignatureOnline onlyif you select it
U.S. Bank
5% on online shopping if you select it as a bonus category (up to $2,000/quarter, then 1%)
Choose 2 categories each quarter, up to $2,000 combined
5%
#3
Blue Cash EverydayOnline only
American Express
3% on online shopping (up to $6,000/year, then 1%)
U.S. online retail purchases
3%
#4
Hilton Honors American Express SurpassOnline only
American Express
4x points on online shopping
U.S. online retail purchases
2.0%4x points
#5
Robinhood Gold
Robinhood
3% flat-rate cashback
3%
#6
Blue Business Cash from American Express
American Express
2% flat-rate cashback
2%
#7
Citi Double Cash
Citi
2% flat-rate cashback
1% when you buy, 1% when you pay
2%
#8
Coinbase One
First Electronic Bank
2% flat-rate cashback
Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
2%
#9
Fidelity Rewards Visa Signature
Elan Financial Services
2% flat-rate cashback
When deposited into an eligible Fidelity account
2%
#10
Graphite Business Cash Unlimited
American Express
2% flat-rate cashback
Unlimited 2% cash back on eligible purchases
2%

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