How to Save with Your Target Circle™ Card

Whether you’re an avid Target shopper or an occasional stop-in, there’s no denying that Target has just about everything you need. You can buy groceries, children’s items, clothes, video games, home decor, gift cards for other retailers, books, and more.

If you want to save even more at Target, you can also sign up for one of the Target Circles. card. But how do you know which Target card to get? Read on to understand how the different Target Circles work. The cards are different.

The Scoop on Target Credit Cards

Target has a variety of card options for consumers. If you’re not looking for a traditional credit card, there’s Target Circle. The debit card is a retail debit card exclusively for Target. When you spend money at Target with this card, your payment is taken directly out of your linked checking account. You can also open target circles These are reloadable accounts, like the reloadable prepaid cards you can use at Target.

However, if you want a traditional credit card, you have a few options.

There are two types of target circles: Credit Card:

target circle credit card	This card can only be used at Target, Target.com or the Target app.
target mastercard	This is the only Target card that can be used at both Target and non-Target retailers.

Regardless of the type of target circle If you have the card, you’ll receive a 5% discount on all eligible purchases at Target stores, Target.com or through the Target mobile app. This discount also applies to Target Circle. Debit Cards and Target Circle Rechargeable card.

However, if you have a Target Mastercard, you can maximize your rewards by using the card at other merchants. You’ll get 2% back on gas and meals and 1% back on all other purchases. You can use your card at any Mastercard participating store.

Another great benefit is that if you have Target Circle, you get an extra 30 days to return items. card. You’ll also get free 2-day shipping and free standard shipping on most items. You may have to pay additional fees for expedited shipping. And you may have to spend a minimum amount to qualify for free two-day shipping.

There are no annual or monthly fees with Target Circle. card. If you don’t have a balance and don’t pay on time, this card won’t cost you anything.

Starting September 2024, there’s also a special $50 off coupon you can get when you’re approved for a credit, debit, or reloadable Target Circle. card. There are some restrictions on what the $50 offer can be used on, but it still applies to most Target products. You can use the coupon for 30 days, which is quite generous compared to other retailers.

Before applying to target circles card… Some Potential Disadvantages to Consider

When can I use the card?

When you apply for the card, you’ll receive a Target Circle. Receive your card within 7-10 days. Once you receive and activate your card, you can use it immediately.

Alternatives to Target Circles card

US Bank Shopper Cash Rewards® Visa Signature® Card. This cash back card allows you to choose two retailers where you can earn 6% cash back. Options include popular stores like Walmart, Amazon.com, and Target. It also offers 1.5% cashback on all other purchases.

However, you can only earn 6% cash back on up to $1,500 in qualifying purchases. target circle The card has no limit to the amount you can earn in rewards. This card also has a $95 fee (waived for the first year), but Target Circle does. The card has no annual fee.

Prime Visa Card. Amazon.com’s Prime Visa credit card lets you get 5% to 15% back on other items, or a flat 5% back on Amazon.com (if you have Amazon Prime). Like the target circle card, this card has no annual fee (Amazon Prime membership costs $139 per year).

You may also be able to earn 0% APR on certain purchases, which can be useful if you need help financing a large purchase. The cash back rewards you earn can be used toward future Amazon.com purchases. New cardholders will also receive a $100 Amazon gift card upon approval. Amazon says it can make a decision within 15 seconds of submitting your application.

More target circles card tips

How difficult is it to get a eligible credit card?

Target does not share any minimum credit score or income requirements to qualify for a Target credit card. According to some outside sources, the typical credit score needed is 640 to 690. However, exact numbers may vary.

The good news is that even if you don’t get approved for a credit card, you can still get most of the same benefits. You can open your target circle If you use a check card, you can receive a 5% discount. You will enjoy most of the same benefits and benefits. However, remember that all transactions are automatically deducted from your bank account.

Where can I use my Target credit card?

Where you can use your card really depends on what type of card you have. With the Target Mastercard, you have much more freedom in where your card is accepted.

However, customers who have a regular Target credit card can only use that card at Target. Basic Target Circle if you visit Target often and have another regular shopping or cash back card. Credit cards will be fine.

Can I pay my Target credit card bill in-store or online?

You can pay with your Target credit card online at target.com/mycirclecard. If you’re already at a physical Target store, you can also pay your bill in person.

The post How to Save with the Target Circle™ Card first appeared on The Real Deal on RetailMeNot.