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Which Target Circle™️ Card is best for you?

Explore the benefits of each card type.

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For credit or debit cards:

Manage credit or debit account

For reloadable cards:

Manage reloadable account

Target Circle™️ Card

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Save an extra 5%1 your way, every day

Some restrictions apply. See below for program benefits and rules.1

Circle Credit Card

Credit Card

Flexibility when you need it. Subject to credit approval.

Apply for credit
Circle Debit Card

Debit Card

Connect your existing checking account.

Apply for debit
Circle Reloadable Card

Reloadable Account

Load money. Spend. Repeat.

Open a reloadable
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Save $50*

on a future qualifying purchase over $50 when approved for a Target Circle™ Credit or Debit Card.

*Offer redeemable through Target Circle™. Offer details below.
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Get a $50 credit*

when you open a Target Circle™️ Reloadable account and spend $50 at Target.

*Offer details below

Find the card right for you

Benefits

Credit

Debit

Reloadable

5% off1 every day at Target and Target.comYes: save 5% with circle cardYes: save 5% with circle cardYes: save 5% with circle card
No annual or monthly fees2Yes: no annual or monthly feesYes: no annual or monthly feesYes: no annual or monthly fees
Free 2-day shipping1 on hundreds of thousands of items at Target.comYes: Free 2-day shippingYes: Free 2-day shippingYes: Free 2-day shipping
Target Circle™️ Card exclusives and offers1Yes: circle card exclusivesYes: circle card exclusivesYes: circle card exclusives
More return time - get an additional 30 days for returns and exchanges at Target1Yes: more return timeYes: more return timeYes: more return time
Pay for your Target purchases directly from your existing checking account (purchases generally take 1-3 days to process) No: pay from checking accountYes: pay from checking accountNo: pay from checking account
Add cash for free at Target and spend anywhere Visa® debit cards are accepted No: add cash for freeNo: add cash for freeYes: add cash for free
Earn 2% on dining and gas purchases3 and 1% everywhere else outside of Target3: Target Mastercard exclusiveYes: earn 2% on dining and gasNo: earn 2% on dining and gasNo: earn 2% on dining and gas
Cash withdrawal of up to $40 at checkout No: cash withdrawalYes: cash withdrawalYes: cash withdrawal
1 Some restrictions apply. See below for Target Circle™️ Card benefits and program rules.
2 See below for credit card rates and fees. See below for debit card agreement and fees. See below for Reloadable Account rates and fees.
3 Only for guests approved for a Target Mastercard. Restrictions apply. Learn more.
1 Some restrictions apply. See below for Target Circle™️ Card benefits and program rules.
2 See below for credit card rates and fees. See below for debit card agreement and fees. See below for Reloadable Account rates and fees.
3 Only for guests approved for a Target Mastercard. Restrictions apply. Learn more.
Apply for CreditApply for DebitOpen a Reloadable

Your everyday 5%1 discount applies to so much more.1

1Some restrictions apply. See below for Target Circle™️ Card benefits & program rules.

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Starbucks

Save 5% at any in store location.1
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Specialty gift cards

Save 5% on specialty gift cards for travel, restaurants, movie tickets, and more.1
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Drive Up

Stay in your car and save 5%.1
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Same Day Delivery

Save 5% on your same day delivery order placed on Target.com.1
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Target Circle

The free and easy way to get the most deals and rewards at Target.

Learn more
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$50 off

Get Same Day Delivery & more for just $49/year, when you have a Target Circle™ Card1

Apply for CreditApply for DebitOpen a Reloadable

1Some restrictions apply.See belowfor program benefits and rules.

Target Circle™️ Card benefits & program rules

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