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    NerdWallet review

    By Claire Tsosie

    Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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    Editor's overall rating

    For frequent Target shoppers, the benefits offered on the Target Circle™ Credit Card hit the bull's-eye.

    This card features a generous 5% discount on all eligible Target purchases. Because you get those upfront savings at checkout, you don't need to worry about accruing and redeeming rewards. It also offers a 10% discount every year on your cardholder anniversary.

    The annual fee is $0.

    This card isn't the best choice if you plan to carry a balance since it comes with a steep ongoing APR: The ongoing APR is 29.95% Variable. But if you plan to pay your credit card bill in full every month and shop at Target regularly, it's a valuable offer.

    For more information, read NerdWallet's full review.