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Which card should I use at Target?

Target Circle Mastercard gives a discount at Target, not a rate. Every rate below was checked against the card issuer's or the store's own pages.

Cards are ordered by the value they earn per dollar here at our Balanced point values. The order is never paid for. Value per $100 assumes you have room left under any earning cap. Where a rate needs a membership, the value is for the first rate the row shows.

How purchases at Target are counted

Target takes Visa, Mastercard, Discover and American Express.

The Target Circle Card takes 5% off at checkout. That is a discount on the price, not points or cash back.

American Express, for example, does not count Target or Walmart as a U.S. supermarket.

Cards at Target

Cards with their own rate at Target

Cards at Target: Cards with their own rate at Target
CardWhat it earns hereValue per $100
Target Circle Mastercard5% off at checkout$5.00 saved

No annual fee

Cards at Target: No annual fee
CardWhat it earns hereValue per $100
The Blue Business® Plus Credit Card from AmexBusiness2x pointsOn up to $50,000 a year across every purchase on this card, then 1x.$4.92
Citi Double Cash® Card2x pointsThis value assumes full transfer rates to travel partners, which need a second card from the same bank.$4.60
Chase Freedom Unlimited1.5x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank.$3.35
Chase Ink Business UnlimitedBusiness1.5x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank.$3.35
Capital One VentureOne BusinessBusiness1.5x miles$3.27
GM Rewards™ Mastercard® from Barclays3x pointsYou need a GM MyAccount to redeem GM Rewards points on GM websites, in GM mobile apps or through a GM vehicle.$3.00
American Airlines AAdvantage® MileUp℠ Card1x miles$3.00
Robinhood Gold Card3% cash backNeeds an active annual Robinhood Gold membership.$3.00

Annual fee

Cards at Target: Annual fee
CardWhat it earns hereValue per $100
Bilt Palladium Card2x points$5.02
Capital One Venture Rewards Credit Card2x miles$4.36
Capital One Venture BusinessBusiness2x miles$4.36
Capital One Venture X Rewards Credit Card2x miles$4.36
Capital One Venture X Business CardBusiness2x miles$4.36
Air France KLM Visa Signature1.5x miles$3.75
United Club℠ Business CardBusiness1.5x miles$3.45
Citi Strata Elite℠ Card1.5x points$3.45

Other cards earn here too. Check the cards you hold in Which Card.

A card is listed only once we have read its rate on the issuer's or the store's own page.

Questions

Is the Target Circle 5% a reward?
No. It is 5% off at checkout, taken from the price when you pay.
Does Target count as a grocery store for card rewards?
Not on every card. American Express, for example, does not count Target or Walmart as a U.S. supermarket.

Sources

Every rate and store fact on this page comes from the issuer's or the store's own pages, checked between October 14, 2026 and October 16, 2026. Where a site refuses automated reading, we read its latest archived copy.

Store names are trademarks of their owners. PointBagel is not affiliated with them.