Creddy
Target Circle Card card art

TD Bank

Target Circle Card

No annual fee

A store card with no annual fee that takes 5% off Target purchases at checkout, in store and online. Best for regular Target shoppers who pay the balance in full each month.

  • 5%Everything Else
  • 5%Circle Deals
  • 2%Dining

Maintained by Creddy Editorial · Catalog checked Oct 9, 2026

Target Circle Card at a Glance: No Annual Fee, Issuer and Rewards

Annual fee:
No annual fee
Issuer:
TD Bank

Target Circle Card Earning Rates

CategoryRateNotes
Dining2x
Everything else5x

Who Should Get the Target Circle Card?

The Target Circle Card fits people who spend most on dining (2x). It has no annual fee, so it costs nothing to keep.

Is the Target Circle Card Worth It?

The Target Circle Card has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.

Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.

Target Circle Card Statement Credits and When They Reset

Creddy's catalog lists no statement credits for the Target Circle Card. Its value comes from its rewards and other benefits on this page.

Target Circle Card Travel Benefits

Travel Benefits

  • Free 2-Day Shipping

    Get free, fast shipping on hundreds of thousands of items on Target.com. Pay with your Target Circle Card at checkout to get it. Only eligible items qualify, so look for the free 2-day shipping option on the product page.

    Checked Oct 9, 2026
  • Same-Day Delivery Savings with Circle 360

    Get same-day delivery from Target and other local stores with no markups on item prices. This comes with a Target Circle 360 membership. Order through Target, and delivery is available only in eligible areas.

    Checked Oct 9, 2026

More Target Circle Card Benefits

Bonus Earnings

  • 1% Back Everywhere Else Outside Target (Target Mastercard)1%

    Earn 1% back on purchases outside Target with the Target Circle Mastercard. Dining and gas earn a higher 2%. Purchases at Target don't earn this rate. It applies only to the Mastercard, not to other Target Circle Cards.

    Checked Oct 9, 2026
  • 2% on Dining and Gas, 1% Everywhere Else Outside Target (Target Mastercard)2%

    Earn 2% in rewards toward a Target GiftCard on dining and gas purchases with the Target Circle Mastercard.

    Checked Oct 9, 2026
  • 5% Off at Starbucks5%

    Save 5% on orders at Starbucks locations inside Target stores. Pay with your Target Circle Card at the Starbucks counter to get the discount. It applies only to in-store Target Starbucks locations, not to standalone Starbucks stores.

    Checked Oct 9, 2026
  • 5% Off Specialty Gift Cards5%

    Save 5% on specialty gift cards for travel, dining and more. Buy them at Target using your Target Circle Card. Discount rules apply, so check the program terms to see which gift cards qualify.

    Checked Oct 9, 2026
  • 5% Off Target Purchases5%

    Save 5% on your Target purchases. The discount comes off instantly at checkout, in stores and on Target.com. Pay with your Target Circle Card to get it. It works with the debit card and the credit cards.

    Checked Oct 9, 2026
  • 5% Stack Savings with Target Circle Deals5%

    Get your 5% Target Circle Card discount on top of Target Circle deals. Use both on the same purchase to save more. Pay with your Target Circle Card at checkout and the 5% comes off along with any Target Circle offers you've applied.

    Checked Oct 9, 2026

Purchase Protection

  • Extended Returns (No Rush Returns)

    Get an extra 30 days to return items beyond Target's standard return window. It applies to purchases made with your Target Circle Card, in stores or on Target.com. Keep your receipt or order record handy when you return something.

    Checked Oct 9, 2026

Entertainment

  • Circle 360 Monthly Freebies

    Choose a monthly freebie as a Target Circle 360 member, from gifts to special discounts. Pick your perk each month in the Target app. This benefit requires an active Target Circle 360 membership.

    Checked Oct 9, 2026

Fees & Miscellaneous

  • 50% Off Target Circle 360 Membership$50 / yr

    Join Target Circle 360 at about half the regular price. Pay $49 a year instead of $99, or $4.99 a month instead of $10.99. You need a Target Circle Card to get the discounted rate.

    Checked Oct 9, 2026
  • Exclusive Extras

    Target Circle Card holders get offers on special items and perks during the year. What's available changes over time, and offers aren't guaranteed. Watch your Target app and email for current extras you can use with your card.

    Checked Oct 9, 2026
  • No Annual Fee

    The card has no annual fee and no monthly fee, so you can keep it and use its discounts without a yearly cost. Interest and late fees can still apply if you carry a balance or miss a payment.

    Checked Oct 9, 2026
  • No Foreign Transaction Fee

    The card charges a 0% foreign transaction fee on purchases made abroad or in a foreign currency. Use it where the card is accepted, which generally means the Target Mastercard version. Interest and other charges can still apply.

    Checked Oct 9, 2026

Target Circle Card vs Similar Cards

Related credit card guides

Target Circle Card FAQs

What is the Target Circle Card annual fee?

No annual fee