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MASTERCARDMastercard Standard

Target Circle Card

Annual Fee

Source: Issuer Target

$50

in rewards · Welcome Bonus

Source: Issuer Page

Up to 5X (Target)

Highest rate (conditional)

Apply on Td Bank's site

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Rewards Currency

Cash

Point Valuation

1–1 cpp (mid: 1)

Credit Required

Fair to Good

Welcome Offer

Bonus: $50 in rewards

Spend: $500

Period: 2 months

Benefits & Perks

Insurance & Protections

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Medical identity monitoring

Complimentary HealthLock membership to monitor and protect your medical identity and data.

Extended Returns

Extended returns for 30 extra days at Target or Target.com

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

Reviews & Analysis

Pros and Cons

Pros

+5% instant discount on all Target store and Target.com purchases
+No annual fee - pure savings with no cost to carry the card
+Free shipping on most Target.com orders with no minimum threshold
+Extended returns - extra 30 days beyond standard return window
+5% off at Target Cafe and in-store Starbucks locations
+Easier approval than premium cards - fair credit may qualify
+Immediate savings at checkout - no points accumulation needed

Cons

-Store card with no rewards outside Target - 0% back on all other purchases
-3% foreign transaction fee makes it poor for international use

Program & Transfers

Target Circle

View Program

Earn more on everyday spend.

Target Circle is a retail rewards program focused on turning everyday purchases into practical member value. The program includes 1 status tier that provide incremental benefits as activity grows. Members can earn through qualifying spend or travel activity and redeem for rewards tied to program terms and availability.

Point Value: 1 cpp

Range: 1–1 cpp

Details & Terms

Payment Terms

Purchase APR	22.4%–31.4% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	$0
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Verified	Citation
Issuer Target	—	Issuer Target
RewardsCC API	—	RewardsCC API
Issuer Target	—	Issuer Target
Issuer Page	Aug 20, 2026	Issuer Page: Welcome offer

Explore More

See all TD Bankcards →Browse all card categories →Browse all card benefits →Browse all credit cards →

$50 welcome offer is modest compared to the $200 bonuses on many competing no-fee cards

-High APR (22.4%-31.4%) if carrying a balance

-Up to $41 late payment fee

Who It's Best For

Best For

✓Frequent Target shoppers who want automatic 5% savings on every purchase
✓Target.com online shoppers seeking free shipping on orders
✓Families who shop Target weekly for groceries, household items, and essentials
✓Those who prefer instant discounts over earning and redeeming points
✓Shoppers who want extended return windows (extra 30 days)

Not Ideal For

✗Anyone seeking rewards on non-Target purchases (0% back elsewhere)
✗International travelers (3% foreign transaction fee)
✗Those who shop Target infrequently (savings only add up with regular use)
✗Cardholders seeking a large welcome bonus ($50 offer requires only $50 spend, but is modest)

The Math: Is $0 Worth It?

First-year value includes $50 welcome bonus

Welcome bonus$50

Annual credits (60% utilization)$0

Annual fee-$0

Net first-year value+$50

Credit Utilization (60%)

Annual credits$0

Excludes earning value, lounge access, insurance, and elite status

Total Value Captured

Annual Fee

-$0

Net Annual Value

+$0

Partner credits at

Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.

STStarbucks

Top brands for this card

Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.

TargetBrand bonus