Target Circle Credit Card 2026 Review

Annual fee
$0
Rewards rate
5%-0%
Welcome Bonus
$50
Apply Now →on Target's website
Regular APR:27.40%-29.95% Variable APR

  • 5%Discount on eligible Target purchases

Welcome Bonus:

Get $50 in Target Circle Rewards when you spend $50 on your Target Circle credit card.

Reward Rate:

The Target Circle Card offers a 5% discount on eligible Target purchases, both in-store and online.

APR:

27.40%-29.95% Variable APR

What sets the Target Circle Credit Card apart is its straightforward 5% discount on all eligible purchases at Target, making it a must-have for regular shoppers. The card also offers additional perks like free shipping and extended return periods, enhancing the overall shopping experience.

Pros:

  • No annual fee
  • 5% discount on Target purchases

Cons:

  • High APR
  • Limited to Target purchases
Apply now →

The Target Circle Credit Card is best suited for frequent Target shoppers who can take advantage of the 5% discount on eligible purchases and benefit from additional perks like free shipping and extended return periods. With no annual fee and a welcome bonus, this card may provide significant value for those who regularly shop at Target.

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