Target Circle™️ Credit Card
Issued by TD Bank
Rates verified August 2026
Welcome Bonus
No welcome bonus
Rewards Rate
1% cash back · up to 5% on Target
Annual Fee
No annual fee
Recommended Credit Score
good
You'll be taken to the issuer's secure application
Rewards Program
1% cash back · up to 5% on Target
Welcome Offer
No welcome bonus
Annual Fee
No annual fee
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Dining, Gas Stations, Target
Why We Recommend This Card
5.0% on Target
2.0% on Dining
2.0% on Gas Stations
No annual fee — keep more of what you earn
Extended Returns
Extended returns for 30 extra days at Target or Target.com
Free Shipping
Free 2-day shipping on hundreds of thousands of items at Target.com
Network benefits (Mastercard) — 7 standard protections
Global emergency services
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Mastercard ID Theft Protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer
Mastercard Transit Benefit
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Direct to the Issuer
The Apply button takes you to TD Bank's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information