MastercardTarget Circle Card (Mastercard)
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 off a future Target purchase over $50 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.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
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 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.
Rate this card
Be the first to rate it
Commentson Target Circle
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.