Target Circle Credit Card Review

Get ready to revolutionize your shopping experience with the Target Circle Credit Card—the ultimate companion for every savvy shopper!

Imagine unlocking a world of exclusive perks, unbeatable savings, and unparalleled convenience every time you step foot into your favorite Target store or browse online. With the Target Circle, you’re not just getting a credit card—you’re gaining access to a treasure trove of benefits designed to elevate your retail therapy to new heights!

The Target Circle Credit Card isn’t just a card—it’s your ticket to unlocking a world of savings, convenience, and excitement with every purchase. It has seamless integration into your Target shopping routine and array of irresistible benefits. So why wait? Take your shopping adventures to the next level today!

CREDIT CARD

Target Circle

5% discount Target Circle Benefits

Your everyday 5% discount applies to so much more:

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Target Circle Credit Card benefits

• Unlocking savings: Enjoy an automatic 5% off on purchases at Target, both in-store and online, making every shopping trip a chance to save big. But wait, there’s more! The savings don’t stop there. With the Target Circle, you can stack your 5% discount on top of other offers found in the Target app, allowing you to supercharge your savings and enjoy discounts ranging from 5% to a whopping 50% off on merchandise.

• Earn 1% on Every Eligible Purchase to Redeem Later: With the United Explorer Credit Card, you’ll earn a straightforward 1% cash back on every eligible purchase you make. This means that every time you swipe your card—whether it’s for groceries, gas, or dining out—you’re accumulating rewards that can be redeemed for travel, gift cards, or other exciting options later on. It’s a simple and effective way to turn your everyday spending into valuable rewards, making each purchase work harder for you.
• Personalized Offers Tailored to Your Shopping Preferences: One of the standout features of the United Explorer Credit Card is its ability to provide personalized offers that align with your shopping habits. By analyzing your purchase history and preferences, the card offers targeted deals and promotions that are relevant to you, ensuring that you receive maximum value from your spending. Whether it’s discounts at your favorite retailers or bonus rewards in categories you frequently shop, these tailored offers enhance your overall experience and help you save even more.
• Access to Special Discounts and Deals—All at Your Fingertips: Cardholders enjoy exclusive access to a variety of special discounts and deals that can be easily accessed through the United Explorer Credit Card platform. From shopping discounts at popular retailers to limited-time offers on travel experiences, you’ll find a plethora of savings opportunities right at your fingertips. This not only makes your shopping more enjoyable but also allows you to stretch your budget further, maximizing the benefits of being a cardholder.
• Target’s community giving funds: As a member, you’ll have the opportunity to vote for local nonprofits to receive Target’s community giving funds, making a positive impact in your community with every vote. With its wide range of benefits and opportunities to save and give back, Target Circle is your ticket to a more rewarding shopping experience at Target. 

• Cartwheel Perks: Access additional savings through Target’s Cartwheel program, where you can find personalized offers and discounts on hundreds of items. As a Circle holder, you’ll enjoy exclusive Cartwheel offers tailored to your shopping preferences.
• Early Access to Special Events: Be among the first to shop during special events like Target’s Black Friday sale, Cyber Monday deals, and other holiday promotions. With early access, you can snag the hottest items before they sell out and secure the best deals.
• No annual fee: With the Target Circle Credit Card, enjoying exclusive perks comes with no strings attached—there’s absolutely no annual fee! That’s right—say goodbye to pesky yearly charges and hello to a credit card that’s all about giving you more without asking for anything in return.
• Extended Returns: Benefit from an extended return window with the Target Circle. Enjoy an additional 30 days for returns and exchanges, making it easier to shop with confidence knowing that you have extra time to make any adjustments if needed.
• Free Shipping: Get free standard shipping on most Target.com orders, with no minimum purchase required. This perk ensures that you can shop from the comfort of your home without worrying about additional shipping costs.
• Exclusive Deals and Offers: Gain access to exclusive promotions, special offers, and early access to sales events throughout the year. Be the first to know about upcoming deals and enjoy priority access to limited-time offers, ensuring that you never miss out on savings.
• Additional Savings: Take advantage of additional savings opportunities, such as exclusive coupons and discounts available only to Target Circle holders. These extra perks make it even more rewarding to shop at Target and maximize your savings.
• Anniversary Offer: Celebrate your Circle anniversary in style with an exclusive Anniversary Offer! As a valued Target Circle Credit Card holder, you’ll receive a special perk to mark the occasion and make your anniversary even more memorable. Whether it’s an extra discount on your next purchase, bonus rewards, or another exciting surprise, this Anniversary Offer is our way of saying thank you for being a loyal member of the Target family.

Who can apply?

• Credit Score: Applicants should have a credit score of 690 or better to increase their chances of approval.
• Age Requirement: Applicants must be at least 18 years old.
• Social Security Number: A valid Social Security number is required.
• Previous Relationship with Target: While having a previous relationship with Target may enhance approval chances, it is not a strict requirement.

How to apply?

Applying for a Target Circle Credit Card is easier than you think:

1. Go to the Target website and look for Target Circle Credit Card
2. Click on Apply Now
3. Read Terms and Conditions
4. Fill your personal and financial details
5. Submit your application

Frequently asked questions

Is there a penalty APR for late payments on the Target Circle Credit Card?

Target does not currently have a penalty APR for late payments on the Target Circle Credit Card. 

Can I manage my Target Circle Credit Card account online?

Yes, you can easily manage your Target Circle Credit Card account online through the Target website or the Target mobile app. 

Are there any restrictions on the 5% discount offered with the Target Circle Credit Card?

While most purchases at Target are eligible for the 5% discount, there are some exclusions, such as purchases of Target gift cards, prepaid cards, and certain specialty items. 

Can I use the Target Circle Credit Card for purchases outside of Target?

The Target Circle Credit Card is primarily intended for use at Target stores and Target.com. While it may be accepted at some other retailers that accept Mastercard, it is primarily designed for use at Target.

CREDIT CARD

Target Circle

5% discount Target Circle Benefits

Your everyday 5% discount applies to so much more:

APPLY NOW You will be redirected