5%cash back
Target
5% on target, the issuer's published rate for the category.
What the Target Circle™️ Credit Card pays for.
Every perk, coverage and status this card carries, at the issuer's face value.
Browse all cards
Face value of perks
$0
This card carries no statement credits
Annual fee
$0
No annual fee
Top earn rate
5% cash back
Target
Discovery begins here
What every dollar returns, by where you spend it. Three categories earn extra on this card; everything else earns the base rate.
2%cash back
Dining
2% on dining, the issuer's published rate for the category.
2%cash back
Gas Stations
2% on gas stations, the issuer's published rate for the category.
1%cash back
Everything else
The base rate on all other eligible purchases.
Rates are cash back on eligible purchases.
Rewards on purchases away from Target are paid as Target Circle Earnings, spendable only at Target.
Everything that can be found
Every perk this card carries, grouped by what it pays for, at the issuer's published face value. What you actually keep depends on whether you use them.
Access
2 perks
Extra 30 days for returns
An additional 30 days beyond Target's standard return window on purchases made with the card.
Free 2-day shipping on Target.com
Free two-day shipping on most Target.com orders paid with the card, with no minimum.
0 credits, $0 at face value. Figures come from our card database, checked against the issuer's terms. Report a mismatch
See what it would really cost you
Face value is the issuer's best case. Pick the credits you'd use and Which Card works out your effective annual fee, against any other card.
Coverages
Protections that come with the card and cost nothing extra. They have real value and no published price, so they are never counted into the figures above.
Travel & emergency assistance
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
ID theft protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Elite status
Access and standing granted by holding the card. Some need a one-time sign-up with the issuer before they are live on your account.
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Start earning immediately
We'll build your wallet dashboard instantly, with every reset deadline and a note on any credit that needs a sign-up first, so you can begin earning from day one.
