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CardCurator — Rewards Intelligence
Target

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

Best Pick
Target Circle Credit Card card art
Target Circle

Target Circle Credit Card

5x
points per dollar
5.0%
effective return
No annual fee
annual fee

5x on Target Purchases

More Info

More Good Options

  • Blue Cash Everyday Card from American Express card art
    American Express Membership Rewards
    Blue Cash Everyday Card from American Express
    2x
    pts/dollar
    4.0%
    return

    2x on U.S. Department Stores (Select)

    Learn more →
  • Bilt Palladium Card card art
    Bilt Rewards
    Bilt Palladium Card
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Target)

    Learn more →
  • Capital One Venture Rewards card art
    Capital One
    Capital One Venture Rewards
    2x
    pts/dollar
    3.7%
    return

    2x base rate (no bonus for Target)

    Learn more →
  • Citi Double Cash card art
    Citi ThankYou Points
    Citi Double Cash
    2x
    pts/dollar
    3.6%
    return

    2x base rate (no bonus for Target)

    Learn more →
Compare these 3 cards side by side

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$ / month

Enter a monthly spend amount above to see estimated annual rewards per card.

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, Bilt Palladium Card: $240/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.

Popular Target merchants

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