The cards generous discounts make it a valuable card for loyal Target shoppers. But if you tend to carry a balance, youll want to look elsewhere.
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For individuals who shop at Target for everything, including food, clothing, and household necessities, the benefits offered by the Target CircleTM Credit Card are excellent.
You will receive a 5% discount on all eligible Target purchases when you use the $0%20-annual-fee card, so you won’t have to wait to redeem rewards—you’ll get savings right at checkout.
The Target CircleTM Credit Card isn’t a smart choice for people who intend to spend a lot of money because of its high ongoing interest rates. However, if you’re looking to save a little extra money and pay your bills in full each month, it’s worth getting
Target has a number of Circle products, all of which are eligible for the same 5% discount on Target purchases: the Target Circle debit card, Target Circle Mastercard, and Target Circle E2%84%A2%20 Credit Card. The Target CircleTM Credit Card, a closed-loop credit card that can only be used at Target, is the subject of this review.
Target Circle™ Credit Card : Basics
Card type: Store.
Ongoing rewards: 5% discount on all eligible Target purchases.
Annual fee: $0 .
Other benefits:
- Exclusive offers, gifts and early access to promotions.
- Free standard shipping (and free two-day shipping on qualifying items).
- 30 days of extra time to return purchases.
Credit score requirements: Generally speaking, a credit score of 690 or higher enables you to be eligible for the Target CircleTM Credit Card if you have good to excellent credit. As with all credit cards, though, credit scores alone are not enough for approval. The issuer will consider your income and other factors.
Because the 5% discount is applied at checkout, you won’t have to worry about accruing and redeeming rewards on this card because you’ll receive your savings right away. The 5% discount doesnt apply to certain purchases, though. For instance, you won’t be eligible for a 5% discount on prescription drugs, Target gift cards, Target prepaid cards, or optical exams. For a full list of exclusions, see the cards terms and conditions.
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FAQ
What is the lowest credit score to get a Target Credit Card?
What is the minimum for Target Credit Card?
What is the credit limit for Target Credit Card?
What credit score do I need for a target credit card?
If so, you’re probably wondering what credit score you need to qualify. The minimum recommended credit score for the Target credit card is 620, but there are other factors to consider as well. While your credit score plays a significant role in your credit card application, it’s not the only factor that Target takes into account.
Is target a good credit card?
The Target Credit Card is a good credit card that’s worth it for anyone with fair credit or better who regularly shops at Target. The Target RedCard, as it’s also known, has a $0 annual fee and offers 5% discount back on all Target purchases, including those made at Starbucks locations within Target stores.
What are the TARGET credit card requirements for approval?
The main Target Credit Card requirements are that an applicant must be at least 18 years old with a valid Social Security number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least fair credit.
Does target offer a credit card or debit card?
The Target REDcard program offers debit card and credit card options. With a Target REDcard, you’ll get a 5% discount on every Target purchase you make in-store and online. This discount also applies to brands inside Target locations, such as any in-store Starbucks.