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MASTERCARD

Mastercard Standard

Target Circle Card

Annual Fee

Top Rate

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Rewards Currency

Cash

Point Valuation

1–1 cpp (mid: 1)

Credit Required

Fair to Good

Earning Rates

5XTarget Purchases

0XAll Other

Benefits & Perks

Insurance & Protections

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

Extended Returns

Extended returns for 30 extra days at Target or Target.com

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

$100/claim purchase protection (45 days)$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

Reviews & Analysis

Pros and Cons

Pros

+5% instant discount on all Target store and Target.com purchases
+No annual fee - pure savings with no cost to carry the card
+Free shipping on most Target.com orders with no minimum threshold
+Extended returns - extra 30 days beyond standard return window
+5% off at Target Cafe and in-store Starbucks locations
+Easier approval than premium cards - fair credit may qualify
+Immediate savings at checkout - no points accumulation needed

Cons

-Store card with no rewards outside Target - 0% back on all other purchases
-3% foreign transaction fee makes it poor for international use

Program & Transfers

Target Circle

View Program

Earn more on everyday spend.

Target Circle is a retail rewards program focused on turning everyday purchases into practical member value. The program includes 1 status tier that provide incremental benefits as activity grows. Members can earn through qualifying spend or travel activity and redeem for rewards tied to program terms and availability.

Point Value: 1 cpp

Range: 1–1 cpp

Details & Terms

Payment Terms

Purchase APR	22.4%–31.4% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	$0
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

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Browse all card categories →Browse all card benefits →Browse all credit cards →

MASTERCARD

Mastercard Standard

Target Circle Card

Annual Fee

Top Rate

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Rewards Currency

Cash

Point Valuation

1–1 cpp (mid: 1)

Credit Required

Fair to Good

Earning Rates

5XTarget Purchases

0XAll Other

Benefits & Perks

Insurance & Protections

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

Extended Returns

Extended returns for 30 extra days at Target or Target.com

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

$100/claim purchase protection (45 days)$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

Reviews & Analysis

Pros and Cons

Pros

+5% instant discount on all Target store and Target.com purchases
+No annual fee - pure savings with no cost to carry the card
+Free shipping on most Target.com orders with no minimum threshold
+Extended returns - extra 30 days beyond standard return window
+5% off at Target Cafe and in-store Starbucks locations
+Easier approval than premium cards - fair credit may qualify
+Immediate savings at checkout - no points accumulation needed

Cons

-Store card with no rewards outside Target - 0% back on all other purchases
-3% foreign transaction fee makes it poor for international use

Program & Transfers

Target Circle

View Program

Earn more on everyday spend.

Point Value: 1 cpp

Range: 1–1 cpp

Details & Terms

Payment Terms

Purchase APR	22.4%–31.4% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	$0
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

MASTERCARD

Mastercard Standard

Target Circle Card

Annual Fee

Top Rate

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Rewards Currency

Cash

Point Valuation

1–1 cpp (mid: 1)

Credit Required

Fair to Good

Earning Rates

5XTarget Purchases

0XAll Other

Benefits & Perks

Insurance & Protections

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

Extended Returns

Extended returns for 30 extra days at Target or Target.com

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

$100/claim purchase protection (45 days)$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

Reviews & Analysis

Pros and Cons

Pros

+5% instant discount on all Target store and Target.com purchases
+No annual fee - pure savings with no cost to carry the card
+Free shipping on most Target.com orders with no minimum threshold
+Extended returns - extra 30 days beyond standard return window
+5% off at Target Cafe and in-store Starbucks locations
+Easier approval than premium cards - fair credit may qualify
+Immediate savings at checkout - no points accumulation needed

Cons

-Store card with no rewards outside Target - 0% back on all other purchases
-3% foreign transaction fee makes it poor for international use

Program & Transfers

Target Circle

View Program

Earn more on everyday spend.

Point Value: 1 cpp

Range: 1–1 cpp

Details & Terms

Payment Terms

Purchase APR	22.4%–31.4% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	$0
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

No welcome bonus unlike most competing retail cards

-High APR (22.4%-31.4%) if carrying a balance

-Up to $41 late payment fee

Who It's Best For

Best For

✓Frequent Target shoppers who want automatic 5% savings on every purchase
✓Target.com online shoppers seeking free shipping on orders
✓Families who shop Target weekly for groceries, household items, and essentials
✓Those who prefer instant discounts over earning and redeeming points
✓Shoppers who want extended return windows (extra 30 days)

Not Ideal For

✗Anyone seeking rewards on non-Target purchases (0% back elsewhere)
✗International travelers (3% foreign transaction fee)
✗Those who shop Target infrequently (savings only add up with regular use)
✗Cardholders seeking a welcome bonus (none offered)

No welcome bonus unlike most competing retail cards

-High APR (22.4%-31.4%) if carrying a balance

-Up to $41 late payment fee

Who It's Best For

Best For

✓Frequent Target shoppers who want automatic 5% savings on every purchase
✓Target.com online shoppers seeking free shipping on orders
✓Families who shop Target weekly for groceries, household items, and essentials
✓Those who prefer instant discounts over earning and redeeming points
✓Shoppers who want extended return windows (extra 30 days)

Not Ideal For

✗Anyone seeking rewards on non-Target purchases (0% back elsewhere)
✗International travelers (3% foreign transaction fee)
✗Those who shop Target infrequently (savings only add up with regular use)
✗Cardholders seeking a welcome bonus (none offered)

No welcome bonus unlike most competing retail cards

-High APR (22.4%-31.4%) if carrying a balance

-Up to $41 late payment fee

Who It's Best For

Best For

✓Frequent Target shoppers who want automatic 5% savings on every purchase
✓Target.com online shoppers seeking free shipping on orders
✓Families who shop Target weekly for groceries, household items, and essentials
✓Those who prefer instant discounts over earning and redeeming points
✓Shoppers who want extended return windows (extra 30 days)

Not Ideal For

✗Anyone seeking rewards on non-Target purchases (0% back elsewhere)
✗International travelers (3% foreign transaction fee)
✗Those who shop Target infrequently (savings only add up with regular use)
✗Cardholders seeking a welcome bonus (none offered)