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Best credit cards for shopping at Target (October 2024)
It's a seemingly universal experience: You walk into Target for some essentials and leave with a few impulse buys — and a larger bill than you imagined.
With nearly 2,000 U.S. locations, the retailer may be your preferred spot for groceries, home goods, furniture, or personal care items. But if you pay with cash or a debit card, you could be leaving money on the table.
Using the right credit card to shop at Target can offer you cash back, points, or miles, maximizing your savings on everyday items. Here are some of today’s top rewards credit cards for Target purchases.
Best credit cards for Target purchases
- Annual fee$0
- Welcome offerEarn a $200 statement credit after spending $2,000 within the first 6 months
- Rewards rate
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back on U.S. online retail purchases (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year in purchases, then 1%)
- 1% cash back on all other purchases
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout
- Benefits
- 0% intro APR on purchases and balance transfers for the first 15 months
- Get a $7 monthly statement credit after spending $9.99 or more on a streaming subscription to the Disney Bundle, plus earn up to $15 in monthly statement credits after purchasing a Home Chef subscription
Why we like this card: With 3% cash back on spending with U.S. online retail purchases (up to $6,000 spent per year), the Blue Cash Everyday from Amex can be valuable for frequent Target shoppers who prefer to shop online. If you max out the category with your Target.com or other online purchases, you could earn $180 in cash back each year, not including the 1% you’ll still earn after the max.
That’s not all — the same cash-back rate also applies to spending at U.S. supermarkets and gas stations (up to the same $6,000 annual cap), making Blue Cash Everyday a solid choice for everyday spending. In addition to cash rewards, this card has a generous intro APR offer for new purchases and balance transfers, plus ongoing annual credits to help offset your regular spending.
Read our full Amex Blue Cash Everyday Card review
- Annual fee$95
- Welcome offerEarn 75,000 miles after spending $4,000 on purchases in the first 3 months
- Rewards rate
- 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 2x miles on all other purchases
- Benefits
- Receive up to a $120 statement credit for Global Entry or TSA Precheck application fees
- Receive a $50 experience credit, room upgrades, and early check-in at eligible hotels
- Access Hertz's Five Star membership tier, offering free upgrades, a wider selection of vehicles, and more
Why we like this card: If you like earning travel rewards, the Capital One Venture’s unlimited 2x miles on every purchase can help you maximize your spending at Target and beyond for future travel. Your regular purchases at Target — groceries, electronics, home goods, clothing, pharmacy needs, or anything else — all earn 2x miles. You can use your miles to book travel through Capital One Travel, put them toward a travel purchase already charged to your card, or transfer them to airline and hotel partners.
In addition to rewards on spending, the Capital One Venture card has no foreign transaction fees, up to a $120 credit for TSA PreCheck or Global Entry, access to the Lifestyle Collection hotels, and a $50 experience credit when you book an eligible stay through Capital One Travel. This card does carry a $95 annual fee, so compare your average spending and budget before you apply.
Read our full Capital One Venture Rewards review
- Annual fee$0
- Welcome offerEarn a $50 cash bonus after spending $100 within the first 3 months
- Recommended credit scoreNo credit history required
- Rewards rate1.5% cash back on all other purchases
- BenefitsEnjoy international travel without additional fees on purchases made abroad
Why we like this card: College students ready to stock their dorm room and purchase school supplies can save money and start building credit with a student credit card. The Capital One Quicksilver Student card is a great entry-level option that also allows you to earn rewards on all your spending. The 1.5% cash back applies to all the purchases you make, including at Target.
The Quicksilver Student card has no annual fee and offers a $50 cash-back welcome bonus after spending $100 within the first three months. Over time, use your card to build credit by making timely payments and avoid debt by spending only what you can afford to pay in full each month.
Read our full Capital One Quicksilver Student Cash review
- Annual fee$0
- Welcome offerEarn $200 cash back after spending $1,500 on purchases in the first 6 months (bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back)
- Card type(s)Cash-back
- Introductory APR0% intro APR on balance transfers for the first 18 months (19.24% - 29.24% variable APR after that)
- Purchase APR19.24% - 29.24% variable
- Rewards rate
- 5% cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24
- 2% cash back on every purchase with unlimited 1% cash back when you buy
- Earn an additional 1% as you pay for your purchases (to earn cash back, pay at least the minimum due on time)
- BenefitsGenerous intro APR on balance transfers
Why we like this card: With the Citi Double Cash, you can earn cash back anywhere you go. The card’s flat 2% cash-back rewards are great for maximizing purchases that don’t fall within common credit card rewards categories (such as shopping at Target).
For new cardholders, there are also a lot of perks that can help you save on upcoming shopping trips. With the cash-back welcome offer, you’ll get $200 bonus cash after spending $1,500 within the first six months (or about $250 monthly). Plus, you can use Citi Double Cash to help pay down any existing debt with a competitive 0% APR intro offer on balance transfers.
Read our full Citi Double Cash® Card review
- Annual fee$0
- Welcome offerSave $50 on a future qualifying purchase after approval
- Card type(s)Retail, Cash-back
- Purchase APR29.95% variable
- Rewards rate
- 5% off Target and Target.com purchases
- 2% rewards on dining and gas station purchases
- 1% rewards on all other purchases
- Benefits
- Free 2-day shipping at Target.com
- Get an additional 30 days for returns and exchanges at Target
- Access to exclusive extras and offers
Why we like this card: If you regularly shop at Target for everyday necessities, groceries, and electronics, you can earn ample annual savings with the recently revamped Target Circle Card. Instead of points or cash back, you’ll get an automatic 5% discount at checkout on your eligible Target spending in-store and online. That discount also applies to in-store Starbucks locations, drive-up services, and same-day delivery.
Depending on the info in your application, you may also be approved for the Target Mastercard version of the card, which offers an additional 2% rewards on dining and at gas stations and 1% on all other (non-Target) purchases. These rewards go toward a Target gift card.
Other Target benefits that come with the card include free two-day shipping on eligible items, an extra 30 days for returns and exchanges, and access to cardholder bonus offers. Finally, if you also join Target Circle 360, which offers unlimited same-day delivery, Shipt access, and more, you’ll save $50 off the annual membership cost ($49 instead of $99).
Read our full Target Circle Card review
- Annual fee$0 for the first year, then $95
- Welcome offerEarn a $250 bonus after spending $2,000 within the first 120 days
- Card type(s)Cash-back, Rewards
- Purchase APR19.74% - 29.74% variable
- Recommended credit scoreGood, excellent
- Rewards rate
- 6% cash back on the first $1,500 in combined purchases each quarter with two retailers of your choice
- 5.5% cash back on hotel and car reservations booked directly in the Rewards Travel Center
- 3% cash back on the first $1,500 in purchases each quarter on one everyday category of your choice (like wholesale clubs, gas and EV charging stations, bills and utilities)
- 1.5% cash back on all other purchases
- Benefits
- Retailers eligible for 6% cash back include Target, Walmart, and Amazon.com
- Categories eligible for 3% cash back include bills and utilities, gas and EV charging stations, and wholesale clubs
- Access to ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and avoid paying interest charges on eligible purchases
Why we like this card: You may have to strategize your spending to maximize the U.S. Bank Shopper Cash Rewards more than other cards, but you can also unlock substantial savings. Start with the 6% cash back at two choice retailers, on up to $1,500 spent each quarter. Target is one of the retailers you can choose from, along with Walmart, Lowe’s, Home Depot, Nordstrom, Macy’s, Wayfair.com, Amazon.com, and more. If cash back at Target is your priority, you could max out the $1,500 each quarter at Target alone and earn $360 cash back annually.
Beyond the 6% category, you’ll earn 3% back on another $1,500 each quarter in one choice category, between wholesale clubs, gas and EV charging stations, and bills and utilities. Plus, a flat 1.5% cash back on all other purchases rounds out this card’s great cash earnings (most other tiered cash rewards cards only earn 1% on non-category spending). In exchange for those big rewards, you’ll pay a $95 annual fee, though it’s waived the first year.
What to look for in a credit card for Target spending
Finding the best credit card for rewards and savings at Target is definitely worthwhile if you frequent the superstore. But deciding on a card may be more complicated than with some other retailers since Target (along with Walmart and wholesale clubs) is often excluded from common rewards categories.
Because of that, credit cards with flat-rate rewards on every purchase — regardless of category — can make an excellent choice for frequent Target shoppers. These cards may earn those flat rewards as cash back, which you can redeem for statement credits toward your account balance. But you can also find flat rewards on travel credit cards that earn points and miles. Then, you can use these rewards toward future travel through the issuer’s portal, transfer to partners, book directly with airlines or hotels, and more.
The other option is a credit card with specific rewards at Target. The cards on our list above (including the Target Circle card) offer significant savings for those who regularly shop in-store or at Target.com.
Beyond rewards at Target, look for benefits and protections that suit your spending. These might include a great welcome bonus with a spending threshold within your budget, annual credits with brands you already use, or purchase and travel protections.
Is the Target credit card worth it?
The Target Circle Card (previously called the Target RedCard) can offer major savings for Target loyalists. Its rewards structure is simple, with a 5% discount on eligible Target purchases instead of points or cash-back rewards. In other words, you’ll get $5 off a $100 shopping trip, $25 off a $500 haul, and so on.
With the Mastercard version, you’ll also earn 2% back (toward a Target gift card) on dining and at gas stations, plus 1% on other purchases. You can find better rewards rates in these categories elsewhere, but if you don’t already earn rewards when you eat out or fill up your gas tank, these categories can still add value.
Finally, the Target Circle Card’s added benefits are best suited for frequent Target shoppers — from free two-day shipping on eligible online purchases to a longer window for returns and exchanges and savings on the Target Circle 360 loyalty program.
Before you apply, though, think about how much you really shop at the superstore. Review your spending over the past few months or look at previous card statements. If you haven’t spent much there, you may get more value from a more flexible general rewards card. You’ll get the most from the Target Circle Card only if you’re already a frequent shopper.
Should you use a credit card for Target?
Like any other time you shop, using a credit card at Target can be a smart move.
Rewards are valuable, but credit cards also help protect you and your purchases. Most issuers have zero liability for charges if your card is lost or stolen, and you can sign up for alerts if an unexpected charge appears on your account. Purchase protection — which covers your purchases against damage or theft up to a certain amount of time — and extended warranty are two more benefits to look for.
At the same time, you must be careful when shopping with a credit card to avoid high-interest debt. You can quickly wipe out any savings you’ll get from rewards and discounts if you cannot pay your balance in full by the time your statement is due. Don’t let the promise of rewards entice you to spend more than you can afford, so you can continue to reap the benefits without costly interest charges.
Our methodology
To find the best credit cards for Target spending, we first focused on cards with rewards or discounts at the big box retailer. Be warned: Purchases at stores like Target, Walmart, and wholesale clubs generally fall outside standard credit card bonus categories. For instance, credit cards with great rewards at grocery stores will usually not earn bonus rewards when you shop at Target based on standard merchant category codes.
Then, we broadened our search to rewards credit cards that may apply to Target purchases more generally. For example, cards with rewards for online purchases (for use at Target.com) and cards with flat rewards across any category.
We did not include rotating bonus category credit cards. While these cards do sometimes offer rewards at Target, it’s often limited to only one quarter per year. If you shop at Target stores regularly, this may not be enough value to make the most of your year-round spending.
Our final picks include credit cards that both match the above criteria and score highly among our general credit card rubrics — which evaluate details like annual fee, APR, benefits, issuer protections, customer service, and more.
This article was edited by Alicia Hahn
Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.
