If you shop at Target regularly, this is one of the simplest wins available: an instant 5% off at Target stores and Target.com, including in-store Starbucks and Target subscriptions, with no annual fee, so the discount hits at the register rather than accruing as points you have to redeem. Free two-day shipping on eligible Target.com items, an extra 30 days on returns, and 50% off the $99 Target Circle 360 membership add up if Target is a real part of your budget. The signup offer is small but easy, $50 in Target Circle Rewards after spending $50 in the first 60 days. The limits are the point of the card: the 5% does not apply to Target GiftCards, prescriptions, or some services, and the base card earns nothing outside Target, though a Mastercard version issued to well-qualified applicants adds 2% on gas and dining and 1% elsewhere. With a 27.4% APR and no intro rate, this only makes sense as a pay-in-full store card, never a place to carry a balance.
Earn rates & credits
| Category | Rate |
|---|---|
Target Instant 5% discount at Target stores and Target.com, including in-store Starbucks and Target subscriptions; excludes Target GiftCards, prescriptions, and some services. A Mastercard version issued to well-qualified applicants also earns 2% on gas and dining and 1% everywhere else outside Target. | 5% |
| Benefit | Value |
|---|---|
Target Circle 360 Discount 50% off the $99 per year Target Circle 360 same-day delivery membership | $49 /yr |
| Total annual credits | $49 |
Card details
Regular APR | 27.4% variable |
Foreign transaction fee | None |