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February 13, 2024: For most purchases of groceries and household consumables at Target, the Target Circle™ Mastercard is the best card to use, most of the time. But other cards can offer more cash back and better benefits like extended warranties and purchase protection. Here are the best credit cards to use at Target.
The best cards for Target shopping in 2025
 Target Circle™ Mastercard Annual fee: $0 | Discount at Target: 5% discount on most items you buy at Target and Target.com Extra Target perks: Get an extra 30 days for returns and exchanges at Target. Consumer insurance protections: None The best choice for most purchases of consumables, clothing, and groceries at Target for most people. Discount does not apply to Target GiftCards, so use another card for the annual 10% off Target GiftCards sale. |
 U.S. Bank Shopper Cash Rewards® Visa Signature® Card Annual fee: $0 intro annual fee for the first year ($95/year thereafter) | Rewards at Target: 6% cash back on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Eligible retailer choices include Target. Consumer insurance protections: Extended Warranty Protection, Return Protection, Purchase Security The best choice for purchases requiring an extended warranty or the Target 10% off Gift Cards sale. |
 U.S. Bank Smartly™ Visa Signature® Card Annual fee: $0 | Rewards at Target: 2% cash back (up to 4% cash back with a banking relationship) rewards everywhere, including at Target. Consumer insurance protections: None A good choice if you have (or can move) substantial investment accounts to U.S. Bank. To earn maximum rewards, you must have $100,000 in qualifying balances with U.S. Bank. |
 Bank of America® Customized Cash Rewards credit card Annual fee: annual_fees | Rewards at Target.com: Earn up to 3% cash back (5.25% cash back with a banking relationship) on a category you choose, on up to $2,500 in spending each quarter. Choose online shopping to earn 5.25% cash back at Target.com Consumer insurance protections: Extended Warranty Decent cash back rate at Target.com if you want a card with no annual fee. To earn maximum rewards, you need to have $100,000 in qualifying balances with Bank of America. |
 Blue Cash Everyday® Card from American Express Annual fee: annual_fees (See Rates and Fees) | Rewards at Target.com: 3% cash back on U.S. online retail purchases (including Target.com) on up to $6,000 per year in purchases, then 1%. Consumer insurance protections: Purchase Protection Great choice for families who shop at Target.com and subscribe to Disney+ |
 Citi Double Cash® Card Annual fee: annual_fees | Rewards at Target: 2% cash back rewards (1% when you purchase and 1% when you pay) on every purchase. Consumer insurance protections: Extended Warranty Excellent choice for no annual fee and an extended warranty. |
 U.S. Bank Altitude® Reserve Visa Infinite® Card Annual fee: $400 | Rewards at Target: 3% cash back or 4.5% travel rewards when you use mobile wallet to pay. Consumer insurance protections: Extended Warranty, Return Protection, Purchase Protection. If you want an extended warranty, and the highest cash back available with no annual fee and no bank deposit requirements, this is the card to get. This card is no longer available to new cardmembers. |
What to consider: How to find the best Target credit card for you
If you’re shopping at Target, there are likely two general types of things that you buy: groceries and household consumables (like bananas, toilet paper, and toothpaste) and durable goods (like small appliances, electronics, and furniture). And your priorities for these two types of purchases are going to be different.
When buying groceries, you should likely prioritize cash back or the discount you get with your card. Consumer insurance benefits like extended warranty are secondary. Milk and eggs don’t come with warranties, so you’re not going to get any benefit out of these card perks
However, when buying durable goods, or things with warranties, getting robust consumer insurance protections like extended warranty and purchase protection should be your priority, even if at the expense of some cash back. If you need to make a warranty claim on a computer, television, or cell phone, the few dollars of cash back you might give up to put that purchase on a card with an extended warranty will be well worth it.
Which card to use for the 10% off Target gift card promotion
Although the Target 10% off Target Gift Card promotion happens twice a year, it’s worth a special callout. The Target Circle Card does not give you an additional discount on Target Gift Cards. That means you should use any other credit card for this promotion.
Remember that Target usually allows you to purchase these gift cards online, so you’re not limited to only the cards you can use in-store—one of the cards that offers 3% at Target.com is your best bet if you want to maximize this promotion any not pay an annual fee.
Editor’s pick: Target Circle™ Mastercard for a 5% discount
The best credit card to use at Target most of the time is the Target Circle™ Mastercard. Most of your purchases at Target are likely to be groceries and household consumables—purchases where cash back (or a discount) is really the only benefit that matters.
Here’s what we like most about the Target Circle™ Mastercard:
- 5% discount on Target purchases. While you can eke out slightly more value from 5% cash back, an immediate 5% discount on Target purchase wins for simplicity and immediate value.
- No annual fee. We don’t like annual fees, and other cards’ annual fees pushed them lower on our list.
- Extra 30 days to return items. Target’s return policy (90 days on most items) is already quite generous, but getting an extra 30 days to return items is a nice perk that you won’t get elsewhere.
While we think that the Target Circle™ Mastercard is the best card to use at Target in general, we think that there are a few cases when you should consider another card.
First, when Target runs its annual 10% off Target gift card sale (usually the first week in December) you’ll want to use another card—the 5% discount on the Circle card doesn’t apply to purchases of Target gift cards.
Second, when you purchase durable goods like home appliances, electronics, and furniture, using a card with an extended warranty is likely to provide more value than the Target Circle card’s 5% discount. If you buy a $1,000 laptop with a cash back card that offers an extended warranty, you’re probably giving up about $35 worth of discount, but that’s a cheap price to pay for an extra year of warranty coverage on an expensive item.
Finally, we wouldn’t use the card outside target. Even though the card gets 2% on dining and gas, there are other cards that can earn you more—and as cash back, rather than as a Target gift card. Target also lists that you can get “exclusives and offers” with the card, but
Target Circle™ Mastercard: An essential card for Target shoppers
If you’re a Target shopper, the Target Circle™ Mastercard should be your first choice for a credit card to use at Target. The card offers an instant 5% discount on most items you will buy. That makes it ideal for groceries, clothing, and household consumables.
Why use it at Target: The Target Circle Mastercard’s instant 5% discount on most things you buy at Target is hard to beat.
Use another card when you buy an expensive item that would benefit from an extended warranty. Also, since the Target Circle Card’s 5% discount does not stack with Target’s annual 10% off gift cards promotion, use another card for this purchase.
You should get the card if Target is your primary grocery store or your go-to for household consumables.
Downsides and drawbacks: The Target Circle card isn’t terribly useful for purchases outside of Target stores. Sure, you can use it, but you’d do much better with a card that earns 2% cash back—you’ll earn better rewards as cash back that you can spend anywhere, rather than as a Target gift card.
Learn more about the card in our overview of the Target Circle™ Mastercard.
Target Circle™ Mastercard at a glance
Annual fee: $0
All information about the Target Circle™ Mastercard has been collected independently by cardsandpoints.com.
The Target Circle™ Mastercard is the best card to use for your everyday purchases of groceries and home supplies from Target.
Welcome offer
Best sign-up bonus: Target changes its promotions frequently, but you can often get $50 off a future qualifying purchase of $50 or more. Click through for the current offer for details. Learn how to apply.
The coupon for a future Target shopping trip will be mailed to you if you’re approved. Be aware that this coupon expires within 30 days of the date it is issued.
Historically, Target has changed this bonus often. If the $50 off $50 coupon offer isn’t displayed on Target’s website, wait a few weeks and look again—it’s very likely that the offer will be launched again shortly.
Rewards
- 5% discount every day at Target and Target.com
certain purchases, such as prescriptions, some gift cards, taxes, and alcohol purchases in some states are not eligible for a discount. - 2% on dining.
- 2% on gas.
- 1% on other purchases.
Rewards on non-Target purchases are earned as a Target gift card. The 5% discount on Target purchases is an at-purchase discount that will be reflected on your receipt when you use your card.
Benefits
Target benefits
- Free 2-day shipping on Target.com. Does not apply to orders delivered by Shipt.
- Target Circle Card exclusives and offers. Offers vary by cardholder. Not every exclusive offer will be available to every cardholder.
- More return time. Get an extra 30 days for returns and exchanges at Target.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card: Highest rate of cash back rewards at Target
For absolute maximum cash back at Target, use the U.S. Bank Shopper Cash Rewards® Visa Signature® Card. The card lets you earn 6% cash back rewards on two retailers you choose, on up to $1,500 in combined purchases each quarter.
The list of eligible merchants you can select from includes Target, plus you can get 6% cash back at another retailer of your choice
Not only does the card earn the highest cash back available at Target, but the card’s extended warranty and purchase protection benefits make it a great choice to use for expensive purchases of electronics and small household appliances.
Finally, when Target runs its 10% off Target gift cards promotion, you should be able to earn 6% on Target gift card purchases, giving you an effective discount of 15.4% on the promotional Target gift cards when you consider the value of the cash back you’ll earn.
Why use it at Target: You want absolute maximum cash back rewards and robust consumer insurance benefits like extended warranty, return protection, and purchase protection.
Use another card when you spend over $1,500 during a quarter at your two chosen retailers—you can do better than the 1.5% rewards you’ll get on purchases over the maximum.
You should get the card if you spend close to or more than $1,500 in purchases at two of the retailers on the Shopper Cash Rewards card’s list of eligible retailers.
Downsides and drawbacks: The card has an annual fee, so you’ll need to run the numbers to see if the card makes sense for you. Remember that you can get a 5% discount with the Target Circle card and a 2% cash back at pretty much anywhere with any number of no-annual-fee 2% cash back cards.
Learn more about the Shopper Cash Rewards card from our review of the card.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card at a glance
Annual fee: $0 intro annual fee for the first year ($95/year thereafter.)
Foreign transaction fee: 3% of each foreign transaction.
All information about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by cardsandpoints.com.
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card offers the highest rate of cash back at Target of any card—up to 6% cash back.
Sign-up bonus
Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. Learn how to apply.
Rewards
- 6% on your first $1,500 in combined eligible purchase each quarter with two retailers you choose.
- 3% on your first $1,500 in eligible purchases each quarter on your choice of one everyday category.
Eligible everyday categories include wholesale clubs, gas and EV charging stations, and bills and utilities. - 1.5% on all other eligible purchases.
Rewards are earned as cash back.
Eligible 6% retailers
With the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, you can choose two retailers to earn 6% cash back on up to $1,500 in combined eligible purchases each quarter. Here’s the list of eligible retailers.
- Ace Hardware®
- Apple®
- Amazon.com®
- Anthropologie®
- Bed, Bath, & Beyond®
- Best Buy®
- Chewy.com®
- Crate and Barrel™
- Disney®
- Home Depot®
- Ikea®
- Kohl’s®
- Lowe’s®
- Lululemon®
- Macy’s™
- Menards®
- Nordstrom™
- Pottery Barn®
- QVC®
- Restoration Hardware™
- Target®
- Walmart®
- Wayfair.com
- Williams Sonoma®
Benefits
Consumer insurance benefits
- Purchase security.
- Return protection.
- Extended warranty protection.
Travel insurance benefits
- Travel and emergency assistance services.
Partner benefits and statement credits
- Free Shipt membership until 12/31/24 with enrollment. After free membership expires, you are automatically enrolled in an annual Shipt membership at then-current prices until you cancel.
U.S. Bank Smartly™ Visa Signature® Card: 4% cash back rewards everywhere
If you have $100,000 that you can move to U.S. Bank, there’s a good argument for the simplicity of using the U.S. Bank Smartly™ Visa Signature® Card everywhere.
Why use it at Target: You value simplicity and like cash back rewards.
Use another card when you buy an expensive item that would benefit from an extended warranty. Giving up a little bit of cash back could pay off big time if you ever need to make a warranty claim.
You should get the card if you value simplicity and have $100,000 of investments with or that you can move to U.S. Bank.
Downsides and drawbacks: The obvious downside to the card is that getting maximum cash back with the Smartly Visa requires you to have $100,000 of investments or deposits with U.S. Bank. The card also offers no additional benefits beyond its cash back, making it a less-than-ideal choice to use for purchases where you’d want an extended warranty or purchase protection.
Learn more about the card in our review of the U.S. Bank Smartly™ Visa Signature® Card.
U.S. Bank Smartly™ Visa Signature® Card at a glance
Annual fee: $0
All information about the U.S. Bank Smartly™ Visa Signature® Card has been collected independently by cardsandpoints.com.
The U.S. Bank Smartly™ Visa Signature® Card is a new offering that promises up to 4% cash back for customers who hold over $100,000 of assets with U.S. Bank.
Sign-up bonus
U.S. Bank is not offering a sign-up bonus on the Smartly™ Visa Signature® Card at this time.
Rewards
Unlimited 2% cash back on every purchase.
Up to an additional 2% cash back if you have a U.S. Bank Smartly® Savings account and hold a significant amount of deposits with U.S. Bank. Qualifying deposits include balances in U.S. Bank deposit, trust, and investment accounts.
- Earn a total of 2.5% with a qualifying balance between $5,000 and $49,999.
- Earn a total of 3% with a qualifying balance between $50,000 and $99,999.
- Earn a total of 4% with a qualifying balance of $100,000 or more.
Rewards are earned as points which must be redeemed as a credit into an eligible U.S. Bank deposit account if you want to get the full amount of cash back.
Benefits
The U.S. Bank Smartly™ Visa Signature® Card does not advertise any significant benefits beyond its cash back.
Bank of America® Customized Cash Rewards Credit Card: 3% or more online
Bank of America’s Customized Cash Rewards Credit Card can really pay off if you have $100,000 or more in assets with Bank of America and Merrill. If you do, you can get up to 5.25% cash back at Target.com if you select online shopping as your choice category.
But even as a standalone card, the card is a reasonable choice to use for Target.com purchases when you want an extended warranty. Without a BofA banking relationship, it can still get you 3% rewards for your online shopping, which is pretty decent.
Why use it at Target: You want greater rewards at Target.com, don’t want to pay an annual fee, and value an extended warranty benefit.
Use another card when you’re buying grocery and consumable items in-store.
You should get the card if you either have $100,000 of assets with Bank of America or you are fine with a card that can earn you up to 3% cash back online.
Downsides and drawbacks: There’s little downside to having this card—even without a banking relationship, it will get you 3% cash back in the category you select on up to $2,500 spent each quarter.
Bank of America® Customized Cash Rewards Credit Card at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
All information about the Bank of America® Customized Cash Rewards Credit Card has been collected independently by cardsandpoints.com.
The Bank of America® Customized Cash Rewards credit card offers up to 3% cash back rewards in a category you choose—and up to 5.25% cash back if you’re a Preferred Rewards member with Platinum or higher status.
Sign-up bonus
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as cash back rewards.
Rewards
- 3% in the category of your choice.
- 2% at grocery stores and wholesale clubs.
- 1% on all other purchases.
You’ll earn 3% and 2% rewards on the first $2,500 in combined purchases each calendar quarter in the 3% and 2% bonus categories. Earn 1% cash back on these purchases thereafter.
Rewards are earned as cash back. If you have Bank of America Preferred Rewards, you’ll receive additional rewards based on your rewards multiplier of up to 1.75. Your rewards multiplier is based on your relationship with Bank of America and Merrill.
3% choice categories
Choose one of the following categories to earn 3% cash back:
- Gas and EV charging stations.
- Online shopping, including cable, internet, phone plans, and streaming.
- Dining.
- Travel.
- Drug stores and pharmacies.
- Home improvement and furnishings.
You can change your choice category once each calendar month. You’ll earn 3% and 2% rewards on the first $2,500 in combined purchases each calendar quarter in the 3% and 2% bonus categories. Earn 1% cash back on these purchases thereafter.
Benefits
Consumer insurance benefits
- Extended Warranty Protection.
Travel insurance benefits
- Travel and Emergency Assistance Services.
- Roadside Dispatch.
Blue Cash Everyday® Card from American Express: Cash back for U.S. online retail
The Blue Cash Everyday® Card from American Express offers 3% cash back on the first $6,000 you spend on U.S. online retail purchases each year, then 1%. That means you can earn plenty of cash back at Target.com
Since the card doesn’t offer an extended warranty benefit, you’re likely to get value out of this card if you are an occasional Target shopper who shops primarily online.
Why use it at Target: You want greater rewards at Target.com, but want a card that is also usable for other regular purchases.
Use another card when buying items in-store or when you want an extended warranty benefit.
You should get the card if you like the idea of having a card that can earn you bonus rewards on a modest amount of U.S. online retail purchases, U.S. gas station purchases, and U.S. supermarket purchases. And if you subscribe to Disney+ as a standalone service, you can probably get some value out of the card’s Disney+ credit (enrollment required, terms apply.)
Downsides and drawbacks: The card’s caps on its bonus rewards might prove stifling for someone who spends a lot in the card’s bonus categories.
Blue Cash Everyday® Card from American Express at a glance
Annual fee: annual_fees
(See Rates and Fees )
The Blue Cash Everyday® Card from American Express is a great choice if you want a card with no annual fee for everyday purchases.
Welcome offer
Earn a $200 statement credit after you spend $2,000 on purchases on your new Card in your first 6 months of Card Membership. Plus receive 10% back, up to $150, as a statement credit on purchases at restaurants worldwide within the first 6 months of Card Membership. Learn how to apply for this Resy exclusive offer.
All information about the Blue Cash Everyday® Card from American Express has been collected independently by cardsandpoints.com.
Rewards
- 3% on groceries at U.S. supermarkets
on up to $6,000 per year of purchases, then 1%. - 3% on U.S. online retail purchases
on up to $6,000 per year of purchases, then 1%. - 3% on gas at U.S. gas stations
on up to $6,000 per year of purchases, then 1%. - 1% on other purchases.
Rewards are earned as cash back.
Benefits
Consumer insurance benefits
- Purchase protection. Covers eligible purchases against theft or accidental damage up to $1,000 per covered purchase and up to $50,000 per account per calendar year. Exclusions and terms apply.
Travel insurance benefits
- Car rental loss and damage insurance.
- Global assist hotline.
Partner benefits and statement credits
- $84 Disney Bundle Credit. Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing U.S. subscription to the Disney Bundle. Enrollment required.
- $180 Home Chef Credit. Receive up to $15 per month in statement credits when you purchase an auto-renewing U.S. subscription for Home Chef meal kits.
- Amex Offers. Receive statement credits or extra rewards with targeted offers from select merchants. Enrollment required.
Citi Double Cash® Card: 2% cash back with extended warranty
The Citi Double Cash® Card offers a simple value proposition: 1% cash back when you buy and 1% cash back when you pay. And Citi recently added an extended warranty benefit to the card, making it great as an “everywhere else” card and as a go-to option when you want a card with no annual fee and an extended warranty.
Why use it at Target: Use the Double Cash over the Target Circle Card for purchases when you want extended warranty protection.
Use another card when buying items like groceries or consumables for which having an extended warranty simply doesn’t matter.
You should get the card if you don’t already have a card that earns 2% cash back everywhere.
Downsides and drawbacks: There is little downside to getting the Citi Double Cash. Even if you never use it at Target, it’s a great fallback card for everyday purchases.
Citi Double Cash® Card at a glance
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
All information about the Citi Double Cash® Card has been collected independently by cardsandpoints.com.
The Citi Double Cash® Card is the card you want to use “everywhere else” if you’re collecting ThankYou® Points and it’s also great as a 2% cash back everywhere card. The recent addition of an extended warranty benefit substantially ups the card’s value for many.
Sign-up bonus
Best sign-up bonus: bonus_miles_full Learn how to apply.
This bonus is marketed as cash back, but earned as Citi ThankYou® Points.
Rewards
- 5% total cash back on hotel, car rental, and attractions booked through the Citi Travel portal.
- 2% cash back on every purchase
Earn 1% cash back when you buy, plus an additional 1% as you pay.
Rewards are earned as Citi ThankYou® Points.
Benefits
- Extended warranty
U.S. Bank Altitude® Reserve Visa Infinite® Card: Maximum uncapped rewards with mobile wallet
If you hold the U.S. Bank Altitude® Reserve Visa Infinite® Card you can earn you up to 3% cash back or 4.5% toward travel on your Target purchases whenever you use a mobile wallet with tap-to-pay as your payment. The card also has both extended warranty and purchase protection benefits, so it is a great choice for your non-consumable purchases.
Unfortunately, you won’t be able to get increased rewards at Target.com. There’s not currently a way to use the tap-to-pay feature of mobile wallets online.
There’s one purchase at Target that you should never use the Altitude Reserve for: Gift cards. U.S. Bank’s terms say that you won’t earn 3x rewards on mobile wallet purchases if you buy gift cards and the bank has a history of shutting down accounts for even one gift card purchase made using a mobile wallet.
Why use it at Target: The Altitude Reserve is an excellent option for a single card to use almost everywhere in-store. Mobile tap-to-pay is accepted almost universally these days, so if you have the card, you’re
Use another card when buying items online if you can’t use Apple Pay, Google Pay, or Samsung Pay to check out.
Downsides and drawbacks: The annual fee on the Altitude Reserve is a little steep, but that is largely mitigated by the card’s easy-to-use statement credits.
Learn more about the card in our review of the U.S. Bank Altitude® Reserve Visa Infinite® Card.
U.S. Bank Altitude® Reserve Visa Infinite® Card at a glance
Annual fee: $400
Foreign transaction fee: None.
All information about the U.S. Bank Altitude® Reserve Visa Infinite® card has been collected independently by cardsandpoints.com.
You probably won’t get the U.S. Bank Altitude® Reserve Visa Infinite® card just for Target, but it is one of the best overall cards to use in-store when you can pay with a mobile wallet.
Sign-up bonus
The U.S. Bank Altitude® Reserve Visa Infinite® card is no longer available to new cardmembers.
Rewards
- 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
- 3x points on mobile wallet spending with Apple Pay®, Google Wallet, and Samsung Pay.
- 3x points on eligible travel purchases.
- 1x points on all other eligible purchases.
Rewards are earned as Altitude Rewards points.
Altitude Rewards points can be redeemed for cash back at 1 cent per point or used to book travel through the Altitude Rewards center at 1.5 cents per point. You can also redeem your points against travel purchases through Real Time Rewards at 1.5 cents per point.
Benefits
Consumer insurance benefits
- Extended warranty protection.
- Purchase security.
- Return protection.
- Personal identity theft protection.
Travel insurance benefits
- Auto rental collision damage waiver.
- Lost luggage reimbursement.
- Travel accident insurance.
- Emergency evacuation and transportation.
- Trip cancellation/interruption coverage.
- Trip delay reimbursement.
- Travel and emergency assistance services.
Travel benefits
- Airport lounge access. Complimentary Priority Pass™ Select membership with 8 free visits annually.
- TSA PreCheck or Global Entry statement credit.
Partner benefits and statement credits
- $325 annual statement credit for eligible travel and dining purchases.
- Free Shipt membership until 12/31/24 with enrollment. After free membership expires, you are automatically enrolled in an annual Shipt membership at then-current prices until you cancel.
Bottom line: Target Circle card for most purchases, but don’t forget about extended warranty benefits
Most frequent Target shoppers will want to pick up the Target Circle Card for its 5% discount on most things at Target, but be aware that there are some times when you might want to use another card, like when you want extended warranty protection, or when you’re buying Target Gift Cards.
Frequently asked questions
How do I get 5% cash back rewards with the Target Circle™ Mastercard?
The Target Circle™ Mastercard gives you a 5% discount, rather than 5% cash back rewards. You’ll see this discount reflected on your receipt at Target stores or when you check out at Target.com.
Can I use my Target Circle™ Mastercard outside of Target?
Yes, but you really shouldn’t. The Target Circle™ Mastercard offers lackluster rewards outside of Target and Target.com and rewards come as credit toward a Target gift card. You can easily better cash back elsewhere using another card. The debit card and reloadable card cannot be used outside of Target.
What happened to Target Circle 1% rewards?
Target Circle™ no longer offers 1% rewards on every purchase. Instead, Target offers targeted promotions which will vary by account. Not every Target Circle members will be eligible for every offer.
Should I get the Target Circle™ credit card, debit card, or reloadable account.
In our view, the Target Circle™ Mastercard is the clear choice. You’ll receive the same 5% discount with any of the Target Circle cards, but the credit card offers better protections against fraudulent purchases.
How do I find information on the Target Red Card?
The Target Red Cards have been rebranded as Target Circle™ cards. Our coverage at cardsandpoints.com has been updated to reflect the new Target Circle™ branding.
American Express card disclosures
- For rates and fees of the Blue Cash Everyday® Card from American Express, please visit this link: See Rates and Fees
Amex Purchase Protection (standard) benefit disclosure: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Car Rental Loss and Damage Insurance (standard) disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Amex Global Assist Hotline disclosure: You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.
