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 this category can meaningfully boost your overall rewards return on everyday spending.
Top Pick
Target Circle Credit Card
5x on Target Purchases
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
Enter a monthly spend amount above to see estimated annual rewards per card.
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 this category can meaningfully boost your overall rewards return on everyday 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