Target Circle™️ Credit Card Review
Target Circle™️ from TD Bank — all information about the credit card.
Good Choose for Groceries
- Rewards Rate:
- 5% Cash Back on purchases at Target and Target.com.
- Intro Offer:
- No current offer.
- Annual Fee:$0
- Purchase Intro APR:None
- Regular APR:28.15% Variable
- Balance Transfer APR:None
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TD Bank Target Circle™️ Rewards Calculator
All benefits
- Cash back
- 5% On purchases at Target and Target.com.
Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 28.15% Variable
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- None
- APR for Cash Advances
- 31.15% Variable
- How to Avoid Paying Interest
- Your due date is at least 25 days after the close of each billing cycle. You will no be charged interest on purchases if you pay your entire balance by the due date each month.
Fees
- Annual Fee
- $0
- Fees for Cash Advances
- Either $10 or 3% of the amount of each cash advance, whichever is greater
- Return Payment
- Up to $30
- Late Payment
- Up to $41
Pros & Cons
- High discount on Purchase of eligible items
- Two-day free shipping on selected items
- Extended time for returns and exchanges
- 5% discount at several other places
- Limited acceptance
- High APR
- Certain products are excluded from discount
- High Penalty Fees
Features
- No Annual Fee
- No foreign transaction fees
- Payment Flexibility
- Rewards
- Purchase Protection
- Good Credit
- Excellent Credit
About the issuer
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- 0% Introductory APR for the first 15 months that your account is openPurchase Intro APR
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Target Circle™️ Credit Card Review
Let’s discuss the pros and cons of the Target Circle™️ Credit Card, which offers a 5% discount on most purchases from Target stores, Target.com, and Target Starbucks.
Target Circle™️ Credit Card focuses on rewarding cardholders by offering discounts on purchases from Target stores, Target.com, and offering other coupons and gift vouchers. The Target Circle™️ Credit Card can be used everywhere MasterCard is accepted. The card doesn’t provide any introductory offers and has a high APR of 28.15%. Late payment and returned payment fees are up to $40 and up to $29, respectively.
Target Circle™️: Pros and cons
| Pros: | Cons: |
|---|---|
| Discount on Purchases from Target. Target Circle™️ Credit Card offers a 5% discount on most purchases from Target Stores and Target.com. A 5% discount is also applied to purchases from Starbucks cafes located inside the Target stores and gift card purchases at Target. | High APR. Target Circle™️ Credit Card charges a variable APR of 28.15%. There is no intro APR. |
| Free 2-day Shipping from Target.com. For most purchases from Target.com, you can get free 2-day shipping on thousands of items. However, item eligibility depends on your ZIP code and the location of the product. | No Cash Advance. The Target Circle™️ Credit Card does not offer a cash advance to its users. |
| No Annual Fee. There is no annual fee for Target Circle™️ Credit Card. | No Direct Application. Only Target Circle™️ cardholders are eligible to get the Target Circle™️ Credit Card. Frequent Target shoppers, who make timely payments, are offered this credit card as a reward. |
| Annual 10% Discount Coupon. The Target Circle™️ Card offers cardholders a 10% discount coupon every year on the card’s anniversary. | Not all products get a discount. Some of the products in Target stores and target.com are excluded from the 5% discount. These items include OTC and prescription drugs in Target Pharmacy, Target Optical eye exams and protection plans, Target gift cards, gift wrapping services. |
| MasterCard® brings greater acceptability. The Target Circle™️ Card can be used everywhere MasterCard® is accepted. | No rewards for non-Target purchases. You won’t get any cash back or discounts for purchases made outside Target. |
| No Foregn Transaction Fee. Although the card doesn’t provide any incentive to pay outside Target stores, the absence of foreign transaction fee can be useful in some circumstances. |
Target Circle™️ Credit Card: rewards system
The Target Circle™️ Card doesn't offer traditional cashback rewards. Instead it offers a flat 5% discount on most purchases from Target stores, Target.com and Target Starbucks. In addition, it offers an annual 10% coupon on card anniversary, and don’t forget about a 5% discount on gift cards purchases at Target. Basically, you can do purchases at your favorite merchants with a 5% discount by buying their gift cards with the Target Circle™️ Card at Target stores.
Who can benefit from getting the Target Circle™️ Credit Card?
The individuals who regularly shop at Target stores, Target.com and Starbucks can benefit from this card by utilizing a discount of 5% on a regular basis. MasterCard® brings greater acceptance with it
Are there any other benefits of the Target Circle™️ Credit Card?
The Target Circle™️ Card offers other benefits such as:
- Additional return period
The Target Circle™️ Card offers additional 30 days returns and exchanges.
- MasterCard® benefits
MasterCard® offers multiple other benefits like ID Theft Protection programs, Global Services (e.g. emergency card replacement) and airport concierge.
Conclusion
Wirth a 5% discount on most Target purchases and no annual fee the Target Circle™️ is a highly rewarding card for individuals who want a single solution for their regular shopping from Target stores and Target.com. However, there is no benefit of using this card at places other than Target. There isn’t any clearly defined application method or application criteria for the Target Circle™️ Credit Card. Only Target Circle™️ Credit Card cardholders who shop regularly at Target are eligible to receive this card as an upgrade.
FAQ
What is the customer service phone number for Target Circle™️ Credit Card?
How to check my application status for Target Circle™️ Credit Card?
- NoneAnnual Fee
- 18.49% - 24.49%Regular APR
- 5%Cash Back on hotels and rental cars booked through Capital One Travel.
- NonePurchase Intro APR