Review credit card circle target: full details
Overview of Circle Circle card credit card
Target Circle ™ MasterCard is a solid store card. It features a 5% discount for Target and Target.com to buy transactions, return 2% Eat and drink And Gas station Buy and 1% back Everything else. This is a strong candidate for big spending in Target – but not elsewhere. Ranking*:
*Card ranking Based on the opinions of TPG editors and is not affected by the card publisher.
With everything, from clothes and electronic devices to diapers and grocery stores, shopping at Target as closer to shopping as possible. If you spend a lot of your budget here, you can benefit from savings and benefit the Circle Circle card credit card provided.
Circle cards have no annual fees and TPG recommends Credit score From 690 or more for the best approval chance.
Let us break the sword privilege and structure of Circle Circle MasterCard to help you decide whether it suits you or not.
Information for MasterCard of Circle Circle has been collected independently by the Points. The card details on this page have not been considered or provided by the card publisher.
Related: Everything you need to know about the target circle
Target Circle Card advantages and disadvantages
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Preferential welcome Circle Circle
The Circle target card offers a good welcome offer for the store card. After approval, you will receive a voucher in a letter for $ 50 for buying more than $ 50 conditions. When you get a coupon, you have to upload it to the target application and change it within 30 days.
Unfortunately, this coupon has a long list of exclusion of Apple products, milk, Dyson, gift cards, limited time design partnerships, playstation products and many furthermore. However, this welcome offer does not require spending, so you can get the value from it with minimal efforts.
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Related: The best welcome this month
Benefits of the target circle card
As a Circle Target cardholder, you will be shipped for two free days for online orders online, another 30 days to return the goals and exchange and access the incentives and special items toxic toxicity. Circle card rights.
Cardholders will also receive a 5% discount at Starbucks at the store and on certain services. In addition, you will receive a 5% discount for special gift cards, driver orders and delivery on the same day.
Related: Credit card privileges and benefits you should use
Earn rewards on the target Circle card
The income structure of the Circle card is different from most bonus cards.
Instead of making points or reimbursed rewards in cash at Target, the most valuable benefit of this card is 5% savings for most target buying transactions at the store and online (Exceptions of applicationSuch as a certain prescription and gift card). This structure is especially great for anyone who does not want to keep up with the reward because these savings are automatically.
In addition to discounts for target buying transactions, you will earn 2% of cash when buying and buying gas and 1% for all other purchases outside the target, allowing you to earn rewards everywhere You spend.
Note that there is also a version of the Circle card target that the visa can be reloaded and does not earn a reward when purchased outside the target.
Related: Maximize your income this year
Change rewards on the target circle card
You will get a 5% automatic discount for most purchases when shopping at the store or online with Target.
However, spending elsewhere is more complicated. You must first earn at least $ 10 reward. To change them, you will need to go online or call to request an electronic or physical gift card to use at Target. This is a more complex process than most other cash cards, providing credit claims to be the easiest method to change the reward.
The goal said that if your account is closed for any reason, you will have 135 days from the date the account is closed to change your reward. In addition to this situation, the reward is not expired.
Related: What is reward credit card and how does it work?
Which card competes with the Circle Target card?
If you don’t spend most of your budget in Target, you should consider another card.
- If you want a solid income on all your purchases: The Citi Double Cash® card (see ratio and fee) Earn 2% for all purchases (1% when you buy, 1% when you pay off). With it, you will not have to worry about whether you will shop in the right place to get the best income. To find out more, see Full assessment of citi double cash.
- If you spend more of your budget at Amazon rather than target: The Main visa There is a structure of earning income similar to the target Circle card, earning 5% on Amazon, Whole Food Market and Chase Travel℠ purchasing, 2% at restaurants, petrol stations, local transit and travel (Bao Bao including ride) and 1% back on all other purchases. Prime Visa cardholders can also earn 10% or more for choosing the items and categories on Amazon.com. Although it does not bring annual fees, you must be a member of Amazon Prime to receive this card. To find out more, see Complete evaluation of Prime Visa.
- If you want to earn 5% at many traders: The Chase Freedom Flex® Review 5% for the quarterly rotation categories up to $ 1,500 in the purchase transactions combined with each quarter activated (then 1%). Categories may include grocery stores, gyms and even goals, giving you a range of opportunities to maximize your cash. It also earns 5% back when Chase Travel, 3% back to eat at restaurants (including delivery and performance) and buy pharmacies and 1% for all transactions Buy another. To find out more, see Full assessment of Chase Freedom Flex.
For additional options, see our full list Best store credit card And Best cash card.
Related: Storage compared to cash cards: Which one should I get?
Is the target circle card worth it?
The target card does not bring annual fees and earn 5% when buying targets. However, receiving it may mean sacrificing your greater income that you will receive with another card. In addition, changing your reward is a more complex process than most other cash cards. Calculate your expected savings before registering this card and compare them with what you will earn on cash cards and other storage cards.
It is worth noting that there is a Debit Card version of the Circle Target card, with many privileges like the MasterCard card of Circle Circle. We often recommend placing All your spending on a credit cardBut if you are a regular shopper in Target, it may be worth considering the Circle debit card to save targets and privileges without a difficult investigation of your credit reporting.
Related: How to choose the best credit card for you
The key point
Target cards are a great choice for target shoppers who often want a simple reward structure. However, compare the rewards that you will earn with people you can earn a replacement card. This card is aimed at loyal people who want to hit the cow in Target-and not elsewhere.
Related: 4 reasons for store credit card (almost) are always a bad idea
