This profile covers the Target store credit card, not the debit card or Target Mastercard. Credit applicants are considered for Mastercard first, then the store card. The 5% benefit is a checkout discount, not cash-back earnings.
Annual card fee: $0. Other fees may apply.
How rewards are earned
| Purchases | Rate | Conditions |
|---|---|---|
| Eligible Target-store and Target.com purchases | 5% | Applies only to the amount paid with the card, after other discounts and promotional Target gift-card value. Taxes, shipping and other fees are excluded. |
How rewards can be used
Immediate checkout discount
Eligible purchases are reduced at checkout; there is no reward balance to redeem for this benefit. Paying only part with the card discounts only that eligible part.
What qualifies?
No discount on prescriptions, behind-counter pharmacy items or clinic services; Target Optical exams/protection plans; Target gift cards, named prepaid/sports-betting cards and in-store Starbucks gift cards; previous purchases; credit payments, reloads, cash back or advances; Shipt/Target Circle 360 fees; Indiana alcohol; wireless protection/carrier deposits; gift wrapping; taxes, shipping, delivery, handling and other fees; or where prohibited by law.
Benefits and offers outside this profile
Welcome rewards, shipping/return benefits and Circle 360 subscription discounts are not valued. Outside-Target Mastercard rewards and debit-card features belong to separate variants, not this store credit-card profile.
Why there is no calculator estimate
Not included in calculator rankings. Target-specific spending and a checkout-discount calculation are needed; a discount cannot be treated as cash back on all retail purchases.
Read how we compare rewards and what annual estimates leave out. All calculator estimates assume full payment without interest; this profile is not a borrowing-cost or approval recommendation.
Check the source
The checked date covers the facts presented in this profile, not every benefit or personalized offer. Confirm your exact offer with the issuer.