Which Target Circle™️ Card is best for you?
Explore the benefits of each card type.
Credit Card
Flexibility when you need it. Subject to credit approval.
Apply for creditFor credit or debit cards:
Manage credit or debit accountFor reloadable cards:
Manage reloadable account
Benefits | Credit | Debit | Reloadable |
|---|---|---|---|
| 5% off1 every day at Target and Target.com | Yes: save 5% with circle card | Yes: save 5% with circle card | Yes: save 5% with circle card |
| No annual or monthly fees2 | Yes: no annual or monthly fees | Yes: no annual or monthly fees | Yes: no annual or monthly fees |
| Free 2-day shipping1 on hundreds of thousands of items at Target.com | Yes: Free 2-day shipping | Yes: Free 2-day shipping | Yes: Free 2-day shipping |
| Target Circle™️ Card exclusives and offers1 | Yes: circle card exclusives | Yes: circle card exclusives | Yes: circle card exclusives |
| More return time - get an additional 30 days for returns and exchanges at Target1 | Yes: more return time | Yes: more return time | Yes: 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 account | Yes: pay from checking account | —No: pay from checking account |
| Add cash for free at Target and spend anywhere Visa® debit cards are accepted | — No: add cash for free | —No: add cash for free | Yes: add cash for free |
| Earn 2% on dining and gas purchases3 and 1% everywhere else outside of Target3: Target Mastercard exclusive | Yes: earn 2% on dining and gas | —No: earn 2% on dining and gas | —No: earn 2% on dining and gas |
| Cash withdrawal of up to $40 at checkout | — No: cash withdrawal | Yes: cash withdrawal | Yes: 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 Credit | Apply for Debit | Open a Reloadable |
$50 off
Get Same Day Delivery & more for just $49/year, when you have a Target Circle™ Card1