Target Circle Card
Target · Mastercard · no annual fee · earns cash back.
Rates checked against the issuer 2026-08. Foreign transaction fee: not recorded here.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $0, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $0 a year on the illustrative household's spending, which puts it number 38 of 38 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | Conditions |
|---|---|---|
| Everything Else, Groceries, Online Shopping, Superstores | 5% | Target only · Taken off at the register as a discount rather than earned as rewards |
| Everything else | 0% |
Where a year's rewards come from
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- Free two-day shipping on many Target.com orders
- Extended return window
Similar cards
- Wells Fargo Active Cash — annual fee none
- U.S. Bank Altitude Go — annual fee none
- Goldman Sachs Apple Card — annual fee none
- Wells Fargo Attune — annual fee none
- Every cash back card, ranked
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.
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