The best credit card for Target
At Target, Target Circle Card earns the most: $5.00 per $100.
Target rings up as superstores — Codes as a superstore — grocery and drugstore bonuses usually do not apply.
The short version
- Use: Target Circle Card, if you carry it.
- Why Target has its own page: at least one card pays a bonus that names this store, which a ranking of the whole category cannot show.
- Elsewhere in superstores: Blue Business Plus leads — the full ranking.
| # | Card | EarnsThe rate the card advertises here, in its own currency: cash back, points or miles. | per $100What $100 of spending earns, in dollars: the rate multiplied by what the currency is worth. This is what the table is ranked by. |
|---|---|---|---|
| 1 |
Target, No annual fee
Taken off at the register as a discount rather than earned as rewards |
5% | $5.00 |
| 2 |
American Express, No annual fee
2x on every purchase, with no bonus categories to track. Up to $50,000 per year, then the base rate |
2x | $4.00 |
| 3 |
Capital One, $95/yr
Base rate — no bonus applies here |
2x | $3.60 |
| 4 |
Capital One, $395/yr
Base rate — no bonus applies here |
2x | $3.60 |
| 5 |
Robinhood, $50/yr
Base rate — no bonus applies here |
3% | $3.00 |
| 6 |
Citi, $595/yr
Base rate — no bonus applies here |
1.5x | $2.40 |
| 7 |
Capital One, No annual fee
Base rate — no bonus applies here |
1.3x | $2.25 |
| 8 |
Wells Fargo, No annual fee
Base rate — no bonus applies here |
2% | $2.00 |
No rotating categories switched on, and no travel-portal rates — the method.
Cards with a rate that names Target
- Target Circle Card — 5% at Target. Taken off at the register as a discount rather than earned as rewards
Before you pay
A shopping portal and a card-linked offer can both pay on top of whichever card you use here — and the portal has to be started before you shop. How the three stack, and in what order.