Target Circle Card (Mastercard)
By Alex Compton · Last verified
An automatic 5% off every Target run, now usable everywhere Mastercard works.
Welcome Bonus
5,000
≈$50 value
Spend Requirement
$50
in 2 months
Annual Fee
$0
No FTF
Credit Score
700+
(Good-Excellent)
Current offer note: $50 in Target Circle Rewards after $50 in qualifying purchases with the Target Circle credit card within 60 days of approval
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 3 tracked offers going back to 2024, nothing has beaten 5k.
Current offer
5k
All-time high
5k
Typical offer
5k
In place since
June 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 5,000 | $50 in 2 mo | Terms reconfirmed$50 in Target Circle Rewards after $50 in qualifying purchases with the Target Circle credit card within 60 days of approval | Target Circle Card page → |
| 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 ledger- confirmed
$50 Target Circle Rewards after $50 in 60 days, 5% off at Target, 2% dining/gas and 1% elsewhere on the Mastercard, no annual fee confirmed
Fields: benefits
Target Circle Card page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xTarget and Target.com (instant 5% discount)
- 2xDining and gas (earned as Target GiftCards)
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦5% comes off at the register, no points to manage
- ✦Free 2-day shipping at Target.com and an extra 30 days for returns
- ✦Target Circle 360 membership at 50% off ($49 a year instead of $99)
- ✦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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