If you’re a frequent Target shopper, the Target Circle™ card lineup offers three distinct types—credit, debit, and reloadable—each packed with unique benefits. Unlike standard store credit cards, Target Circle™ cards are tailored to suit different lifestyles and shopping preferences, allowing you to enjoy seamless shopping experiences, extra perks, and exclusive savings. What’s even better?

Each of these cards grants access to a 5% discount on most Target purchases and does so with zero annual fees. From Target exclusives to flexible spending options, each card type lets you choose the best way to save on the products you love.

Whether you’re looking to build credit, connect your checking account, or control your spending with a prepaid option, the Target Circle™ cards offer options that adapt to every kind of spender. The goal is simple: to create a more enjoyable, rewarding shopping experience at Target. Now, let’s dive into the features that make each of these cards a valuable companion for all your shopping needs.

Key details about the Target Circle™ credit card

How does the annual fee work?

All Target Circle™ cards have the great advantage of being completely free from annual or monthly fees. Unlike other cards that often charge fees to maintain benefits, the Target Circle™ card family offers a zero-annual-fee policy across all options.

This means you don’t have to worry about recurring fees cutting into your savings, and you get to focus on the benefits of the card instead of any ongoing costs. The absence of these fees allows you to enjoy Target’s perks without the added financial responsibility often associated with credit cards.

For those who are regular Target shoppers, the lack of an annual fee becomes a huge advantage. Not having to factor in extra fees means the savings you enjoy through the 5% discount, free shipping, and extended returns are purely beneficial and keep adding value to your shopping experience. Whether you choose the credit, debit, or reloadable option, the no-fee structure is a real draw for those who want to save without commitment.

How is the credit limit determined?

The Target Circle™ Credit Card offers the flexibility and convenience of a credit limit that adapts to your personal financial profile. When you apply, Target reviews your credit score and overall credit history, assessing factors like your income and credit utilization to determine a credit limit that’s right for you.

By aligning the limit with your financial background, the Target Circle™ Credit Card aims to set you up for a manageable and flexible shopping experience. If you prefer a card that doesn’t require a formal credit limit, the Target Circle™ Debit and Reloadable Cards are excellent alternatives.

With the debit card, your spending is linked to your checking account, making it easy to stay within your budget. And if you’re drawn to a prepaid option, the Target Circle™ Reloadable Card allows you to control your spending by preloading funds, creating a personalized limit based on your deposited amount. This is ideal for those who want flexibility without the formalities of credit.

Benefits of the Target Circle™ credit card

• 5% off every day: Get a 5% discount on all eligible Target purchases, both online and in-store.
• Free two-day shipping: Enjoy expedited shipping on hundreds of thousands of items, available exclusively for Target Circle™ cardholders.
• Extended returns: Benefit from an additional 30 days to return or exchange most items, making your shopping experience stress-free.
• Cash withdrawals at checkout: For debit and reloadable cardholders, you can take out up to $40 at checkout, a useful feature for those who want cash on the go.
• No fees: With no annual or monthly fees, these cards offer cost-effective access to premium Target benefits.

Highlight benefit: loyalty rewards

For Target enthusiasts, the loyalty benefits extend beyond the 5% discount. With the Target Mastercard®, eligible members also earn 2% cashback on dining and gas purchases outside of Target, making this card a versatile option even beyond Target’s doors. And on top of that, an additional 1% is applied to all other non-Target purchases, so you can save wherever you go.

Disadvantages

• Limited usage outside Target: For the debit and reloadable cards, cashback and rewards are only usable at Target.
• Credit approval process: While accessible, the credit card option requires an approval process which might not be ideal for those with lower credit scores.

Standout disadvantage: limited cashback on non-Target purchases

One possible drawback of the Target Circle™ Credit Card is its limited use outside of Target. Unlike some rewards cards that offer broad cashback benefits, the main rewards of this card are confined to Target itself unless you have the Target Mastercard®, which adds a bit more versatility.

Who can apply for the Target Circle™ Card?

To apply for the Target Circle™ Credit Card, applicants must meet specific eligibility criteria. You must be 18 or older, have a U.S.-based address, and provide proof of identity, including a valid Social Security number.

A stable credit score is beneficial for credit card applicants, while the debit and reloadable options are more flexible. Target doesn’t require a minimum income for the debit and reloadable cards, making them accessible for more customers.

How to apply for the Target Circle™ Card

Applying for a Target Circle™ Card is simple, with options to apply online, through the app, or in-store.

Online

Visit the Target website and navigate to the Target Circle™ Card page. Follow the prompts to select your preferred card type, complete the application form, and submit. The process usually takes just a few minutes.

Via the app

Download the Target app, available on iOS and Android. After signing in or creating a Target account, you can access the “Target Circle™ Card” option under the account settings to begin your application.

In-store

For those who prefer an in-person experience, you can apply at any Target store. Visit the customer service desk, where a representative will guide you through the application process.