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 59 of 59 the no-fee cards in the catalogue. All of them, ranked.
Price its credits, perks and sign-up bonus your way — tick what you would use and say what it is worth to you.
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 | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| 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 Connect — annual fee none
- U.S. Bank Altitude Go — annual fee none
- Amazon Visa — 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.