Target Circle Card Mastercard
No annual fee, earning Cash, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Target Circle Card Mastercard is a no annual fee card from TD Bank USA earning Cash. It earns 5x on target, 2x on dining, 2x on gas and 1x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers TD Bank USA advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Target | 5x | |
| Dining | 2x | |
| Gas | 2x | |
| Other | 1x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| 30-Day Extended ReturnsGet an extra 30 days on top of the standard return window to return items purchased with your Target Circle Card Mastercard at Target or Target.com. | Once a year | — |
| 5% Off In-Store StarbucksSave 5% off at any in-store Starbucks location inside Target when you pay with your Target Circle Card Mastercard (part of the 5% Target discount program; listed separately as a reminder since Starbucks isn't an obvious Target purchase). The 5% discount excludes alcohol, Target GiftCards, CVS pharmacy, Target Optical and select gift cards. Outside-Target rewards (2% dining/gas, 1% everywhere else) are redeemed as Target GiftCards once you accumulate $10. | Once a year | — |
Status and included memberships
- Free 2-Day Shipping — Free 2-day shipping on hundreds of thousands of items at Target.com when you pay with your Target Circle Card Mastercard. Some items are excluded.
Questions people ask about the Target Circle Card Mastercard
What is the annual fee on the Target Circle Card Mastercard?
The Target Circle Card Mastercard has no annual fee.
What does the Target Circle Card Mastercard earn?
5x on target, 2x on dining, 2x on gas, 1x on other, and 1x on everything else, in Cash.
Does the Target Circle Card Mastercard charge foreign transaction fees?
No — the Target Circle Card Mastercard has no foreign transaction fee.
