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 | Earns | per $100 |
|---|---|---|---|
| 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 |
Citi · No annual fee
Base rate — no bonus applies here |
2x | $3.20 |
| 6 |
Chase · No annual fee
Base rate — no bonus applies here |
1.5x | $3.00 |
| 7 |
Chase · No annual fee
Base rate — no bonus applies here |
1.5x | $3.00 |
| 8 |
Robinhood · $50/yr
Base rate — no bonus applies here |
3% | $3.00 |
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.
More in superstores
At the Target checkout, it tells you.
Cardful recognises the store and ranks the cards you carry, on the page.