Target Circle™ Credit Card
This card is for people who shop at Target often and pay in full. It takes 5% off at checkout in stores and on Target.com, adds free 2-day shipping on Target.com and 30 extra days for returns, and charges no annual fee. New cardholders get $50 in Target Circle Rewards after spending $50 within 60 days. The caveat: it works only at Target, and the 28.20% Variable purchase APR wipes out the 5% the moment you carry a balance.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% off most Target purchases, taken at the register
- Free shipping on Target.com orders paid with the card
- 30 extra days for returns
- 50% off a Target Circle 360 membership
- $50 in Target Circle Rewards for new cardholders who spend $50 in 60 days
- Annual fee: $0
- Regular purchase APR: 28.20% Variable
- Late payment fee: Up to $41
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- You shop at Target every week and want 5% off without tracking points.
- You order from Target.com and want free shipping and longer returns.
- You pay the full balance each month, so the APR never applies.
- You should skip it if you carry a balance: at 28.20% Variable the interest outweighs the 5% discount, and the card works only at Target.
Score guess
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Your guess: 700
Approved at 670 to 739
Approval results for this card
596 results: 489 approved, 107 denied. Approval rate 82% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | Equifax | - | MD | Nov 2023 |
| Approved | 800 and above | Equifax | - | MI | Sep 2022 |
| Approved | 580 to 669 | TransUnion | - | NY | Feb 2019 |
See all 596 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
