The Target Circle Card is about one thing: an instant 5% discount at Target stores and Target.com, including in-store Starbucks and Target subscriptions, with no annual fee. Add free two-day shipping on eligible items, an extra 30 days on returns, and half off the $99 Target Circle 360 membership, and it is an easy fit for anyone who shops at Target every week. The catch is that this version earns nothing meaningful outside Target, and Target GiftCards, prescriptions, and some services are excluded even inside it; only the Mastercard version issued to well-qualified applicants adds 2% on gas and dining and 1% elsewhere. The 27.4% APR also means the 5% discount evaporates quickly if you carry a balance. The signup bonus has bounced around lately, rising to $100 and then $75 before settling back at $50 in Target Circle Rewards after $50 of spend within two months, so it can pay to time your application.
Earn rates & credits
| Category | Rate |
|---|---|
Target 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% |
| Benefit | Value |
|---|---|
Target Circle 360 Discount 50% off the $99 per year Target Circle 360 same-day delivery membership | $49 /yr |
| Total annual credits | $49 |
Card details
Regular APR | 27.4% variable |
Foreign transaction fee | None |