Target Circle Card (Mastercard)
By Alex Compton · Last verified
An automatic 5% off every Target run, now usable everywhere Mastercard works.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 5,000 | $50 in 2 mo | Bonus increased: 4,000 → 5,000 · Spend: $40 → $50$50 off a future Target purchase over $50 within 60 days of approval | Archive record · no attached snapshot |
| 2024-04 | 4,000 | $40 in 2 mo | Earliest record$40 off promo around the RedCard to Circle Card rebrand | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xTarget and Target.com (instant 5% discount)
- 2xDining and gas (earned as Target GiftCards)
- 1xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦5% comes off at the register, no points to manage
- ✦Free 2-day shipping at Target.com and extended returns
- ✦No foreign transaction fees
Why it earns its spot
- +5% off Target plus stacking with Target Circle deals
- +Open-loop Mastercard, unlike the store-only version
Where it costs you
- −TD wants excellent credit for the Mastercard version
- −2% and 1% earnings redeem only as Target GiftCards
- −High APR, never carry a balance
The Compound Verdict
For a Target regular, an instant 5% discount with free shipping is real money and zero effort. The Mastercard upgrade adds 2% on dining and gas, but those rewards come back as Target GiftCards, which tells you who this card is for. Heavy Target households only.
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