Best Credit Card for Target
Compare the top credit cards for Target store and Target.com purchases and find which one earns the most rewards.
The Target RedCard debit/credit earns 5% on all Target purchases with no annual fee — making it the best card for Target regulars. It also provides free two-day shipping on Target.com orders.
Top Pick
Target Circle Credit Card
5x on Target Purchases
Before you click out
- This is the best fit only if you actually spend heavily on target.
- You are optimizing for rewards without taking on an annual fee.
- If you are still comparing, use the partner fallback only as a targeted next step, not a generic browse detour.
More Good Options
American Express Membership RewardsBlue Cash Everyday Card from American Express2xpts/dollar4.0%return2x on U.S. Department Stores (Select)
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Wyndham RewardsWyndham Rewards Earner Plus Card4xpts/dollar3.6%return4x on dining and grocery store purchases (excluding Target® and Walmart
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Bilt RewardsBilt Palladium Card2xpts/dollar4.0%return2x base rate (no bonus for Target)
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Capital OneCapital One Venture Rewards2xpts/dollar3.7%return2x base rate (no bonus for Target)
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Rewards Calculator
Enter a monthly spend amount above to see estimated annual rewards per card.
Quick summary
A short version of the recommendation with the main numbers and fallback option.
For Target store and Target.com purchases, Target Circle Credit Card is currently our top overall pick at 5x, which works out to about 5.0% back using CardCurator's current point valuations. 5x on Target Purchases. At $500/month of spend, the top card is worth about $300/year before signup bonuses or statement credits. Updated June 13, 2026. Source: https://cardcurator.ai/best-credit-card-for/target
- Target Circle Credit Card: 5x and 5.0% effective return.
- At $500/month, that's about $300/year in rewards value before bonuses.
- Target Circle Credit Card is the current no-fee fallback at 5x (5.0% effective return).
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card for Target?
The Target Circle Credit Card is currently the top pick for Target store and Target.com purchases, earning 5x points per dollar — an effective 5.0% return.
How many points do you earn on Target purchases?
The top-rated card for Target store and Target.com purchases, the Target Circle Credit Card, earns 5x per dollar — an effective return of 5.0%.
Is there a no-annual-fee card that earns rewards on Target?
Yes — the Target Circle Credit Card earns 5x on Target store and Target.com purchases with no annual fee (5.0% effective return).
Is a premium card worth the annual fee for Target spending?
The Bilt Palladium Card ($495/yr) earns 2x on Target store and Target.com purchases. If you spend $1,031/month or more on target, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Target?
Target Circle Credit Card: $300/yr, Blue Cash Everyday Card from American Express: $240/yr, Wyndham Rewards Earner Plus Card: $216/yr. The Target Circle Credit Card earns the most at $500/month.
Do rotating category cards earn on Target?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature target as a 5% bonus category for one quarter per year. Year-round, a dedicated target card typically outperforms rotating category cards since you can't always count on the bonus.