TD Bank · Store card
Target Circle Credit Card
Target Shoppers
No annual fee
Why people consider it
- 5x on Target.
- Cash back at a predictable value — nothing to transfer or learn.
Current welcome offer
Welcome offer: +$50
Requirement: Spend $50 in 2 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: $50 in Target Circle Rewards after $50 of qualifying purchases within 60 days of approval (excludes alcohol, gift cards, CVS pharmacy, clinic and Target Optical); credit card only, not the debit version
Recommended credit score: 640+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Calculate my rewards → Enter your monthly spending and see exactly how much this card would earn you compared to every other card we track. Already carry it? Add it to My Cards →
Is this card worth it?
Ongoing value
$576/year
for the sample household ($4,800/month) · points at typical value
First-year value
$626 first year
Includes: +$50 welcome offer
$50 is one-time. $576/year is ongoing.
To earn the bonus: spend $50 in 2 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- none
- Major trade-offs:
- Only works at Target No rewards outside Target
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
5% off at Target (instant discount)
Optional benefits and credits
Perks (not counted in our math)
$49/yr instead of $99 with a Circle Card saved to your Target account
Approval and bonus eligibility caveats
Recommended credit score: 640+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on TD Bank's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + 5% off everything at Target
- + Free shipping
- + No annual or monthly fees
Cons
- - Only works at Target
- - No rewards outside Target
- - 5% is discount, not points
- - One application: TD Bank considers you for the Target Mastercard first and issues this store-only card only if you don't qualify for it
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.