The Target Circle Credit Card is the best card for Target — it earns 5x and 5x on Target Purchases.
Updated August 2026
Best Credit Card for Target
Compare the top credit cards to maximize your rewards every time you shop at Target.
Choosing the right card for Target can meaningfully boost your overall rewards return. The difference between a 1x flat card and the best card for this category can add up to hundreds of dollars in extra rewards per year on regular spending.
How CardCurator ranks this merchant
These rankings use current earn rates, annual fee drag, reward value, and merchant-category fit. They are based on live card data, not a fixed sponsored list.
Top Pick
Target Circle Credit Card
5x on Target Purchases
Go broader than Target if you are still deciding by spending goal
This merchant page is best when you already care about Target. If you are still choosing the right card for all of your target spend, use the category guide or the best-cards hub first.
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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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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Citi ThankYou PointsCiti Double Cash2xpts/dollar3.6%return2x base rate (no bonus for Target)
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Rewards Calculator
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Quick summary
A short version of the recommendation with the main numbers and tradeoffs.
At Target, Target Circle Credit Card is currently our top overall pick at 5x, which works out to about 5.0% back based on CardCurator's current point valuations. 5x on Target Purchases. On $500/month of spend, the top card is worth about $300/year before signup bonuses or statement credits. Summary generated August 5, 2026. Source: https://cardcurator.ai/merchant/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 also the best no-annual-fee option.
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card to use at Target?
The Target Circle Credit Card is currently the top pick at Target, earning 5x points per dollar — an effective 5.0% return. 5x on Target Purchases
How many points do I earn at Target per dollar spent?
Top cards earn between 2x and 5x at Target. Leading options include: Target Circle Credit Card (5x), Blue Cash Everyday Card from American Express (2x), Bilt Palladium Card (2x).
Does Target count as target for credit card rewards?
Target typically falls under the Target category for credit card reward purposes. Cards with a target spending bonus will earn an elevated rate here. Choosing the right card for Target can meaningfully boost your overall rewards return. The difference between a 1x flat card and the best card for this category can add up to hundreds of dollars in extra rewards per year on regular spending.
Is there a no-annual-fee card that earns well at Target?
Yes — the Target Circle Credit Card has no annual fee and earns 5x at Target (5.0% effective return). 5x on Target Purchases
Is a premium card worth the annual fee for Target spending?
The Bilt Palladium Card ($495/yr) earns 2x at Target. If you spend $1,031/month or more there, the category rewards alone offset the annual fee — before counting travel credits and other perks that often exceed $500 in value on premium cards.
Which card earns the most if I spend $500 per month at 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.
Need a situation-specific recommendation?
Merchant rankings are a good starting point, but the best card can change if you care more about international use, business spending, or lower-friction approval.