Target Circle Card

TD Bank · Personal card · Checked against TD Bank's terms Oct 26, 2026

The Target Circle earns 5% cash back at Target. No annual fee. It works only at Target.

Add it to your wallet

Where it's the best card

Target (5%)

Earning rates

1. 5
   Target 5% cash back
   An instant 5% discount at checkout in Target stores and on Target.com, after other discounts, on the part of the purchase paid with the card. Not on prescriptions, pharmacy-counter items or clinic services, Target Optical eye exams and protection plans (glasses and contacts do count), Target GiftCards or prepaid Visa/Mastercard/Amex cards, Starbucks gift cards bought at in-store Starbucks, Shipt or Target Circle 360 fees, taxes, shipping or other fees.

   “Get 5% off your Target purchase instantly at checkout.” target.com

2. 0
   Everything else 0% cash back

   “approved for a Target Mastercard. Some restrictions apply” target.com

Public welcome offer

$50 after $50 in purchases in 2 months, per the issuer's page. Offers vary by person and by how you apply. Paid as $50 in Target Circle Rewards, redeemable through Target Circle, not cash. Spend $50 or more on qualifying purchases in-store or at Target.com with the Target Circle Credit Card within 60 days of approval. Not for the Target Circle Debit Card or mail-in applications. Qualifying purchases exclude alcohol and gift cards, among others.

Sources

• target.com/circlecard
• target.com/c/target-circle-card-program-rules/-/N-4tgj0

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check TD Bank's terms before you apply.