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You’re a true fan if you're prompted to go on a Target run whenever you see someone wearing a red shirt and khakis. At that level of loyalty, it's worth exploring credit cards that can offer more value for your purchases.
Whether you’re splurging or playing it safe in the $3 bin section, the right credit card can give you cash back, points or miles to use for certain goals, or offset the cost of your next Target purchase. The most obvious choice — and a good one — is Target’s very own credit card, but plenty of other options can offer decent rewards with the retailer and beyond.
Here are some credit cards that can help you make the most of your Target purchases.
🤓 Nerdy Tip
If you shop at stores inside of Target like Starbucks, your purchases may not earn the elevated rewards rate offered in certain categories by some credit cards. Rewards are issued based on how the purchase is categorized by the merchant. With some cards, a purchase may only earn the base rate. Target Circle™ Credit Card
Our pick for: Target loyalists
CARD DETAILS
Annual fee: $0.
APR: The ongoing APR is 28.45%, Variable APR.
Welcome offer: Earn $50 in Target Circle Rewards when you spend $50 or more on qualifying purchases..
Rewards: 5% discount on all eligible Target purchases (in store and online).
Why we like it for Target: If you shop at Target often enough that it merits having a credit card specifically for those occasions, you can’t beat the 5% rewards rate, exclusive offers, free shipping and extra return time for purchases you'll get with the Target Circle™ Credit Card. You can take that 5% further by applying it to gift cards for travel, restaurants, movie tickets and more. If you qualify for the Mastercard version of the card, you can also earn 2% off on dining and gas purchases and 1% everywhere else.
Wells Fargo Active Cash® Card
Our pick for: Simplicity
CARD DETAILS
Annual fee: $0.
APR: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 18.49%, 24.49%, or 28.49% Variable APR.
Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Rewards: Unlimited 2% cash rewards on purchases.
Why we like it for Target: The Wells Fargo Active Cash® Card offers a triple whammy of benefits that includes a sizable bonus, breathing room on interest charges and a decent ongoing rewards rate regardless of where you shop. It's the ideal option if you want an all-purpose card that will reward you handsomely at Target and everywhere else you shop. Rewards are redeemable for a statement credit, a withdrawal from Wells Fargo ATMs (in $20 increments) if you have a Wells Fargo debit card, a direct deposit into a Wells Fargo checking or savings account or a mailed paper check.
Blue Cash Everyday® Card from American Express
Our pick for: Online shoppers
CARD DETAILS
Annual fee: $0, see rates and fees.
APR: 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 19.49%-28.49% Variable APR.
Welcome offer: You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Rewards:
- 3% back at U.S. supermarkets on up to $6,000 spent per year.
- 3% back at U.S. gas stations on up to $6,000 spent per year.
- 3% back on U.S. online retail purchases on up to $6,000 spent per year.
- 1% back on other purchases.*
- Terms apply.
Why we like it for Target: If you want to earn rewards on other everyday purchases beyond Target, the Blue Cash Everyday® Card from American Express can deliver. You’ll earn a decent 3% cash back rate when you shop with U.S. online retailers, including Target. However, the store is not considered a U.S. supermarket by the issuer, so you’ll only earn a 1% base rate when you shop in store. Still, the healthy rewards across different everyday categories make it easy to snag cash back quickly. You can redeem it for a statement credit or Amazon.com purchases at checkout.
BankAmericard® credit card
Our pick for: A lengthy 0% APR
CARD DETAILS
Annual fee: $0.
APR: 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99%-25.99% will apply
Welcome offer: None.
Rewards: None.
Why we like it for Target: To finance a large purchase, consider the BankAmericard® credit card. It can offer a lengthy interest-free window to pay down your purchases at Target or any other store. You won’t earn any rewards with this card, but there’s long-term value to be had when saving on interest costs. It's a great deal, especially considering that the average interest rate for credit cards assessed interest was 21.52% as of February 2026, according to Federal Reserve data.
Capital One Venture Rewards Credit Card
Our pick for: Travelers
CARD DETAILS
Annual fee: $95.
APR: The ongoing APR is 19.49%-28.49% Variable APR.
Welcome offer: Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
Rewards:
- 2 miles per dollar spent on purchases.
- 5 miles per dollar on hotels and car rentals booked through Capital One Travel.
Why we like it for Target: The Capital One Venture Rewards Credit Card merits consideration if you’ve been stung by the travel bug and the Target bug. It offers a simple way to earn rewards at a decent rate toward the next vacation whether you’re shopping at Target or anywhere else. It can also help you save time waiting in line at the airport. The card offers a credit of up to $120 toward the application fee for Global Entry or TSA Precheck when you use it to cover the cost.
Instacart Mastercard®
Our pick for: Instacart shoppers
CARD DETAILS
Annual fee: $0.
Rewards:
- 5% cash back on Instacart app and Instacart.com purchases, including Instacart memberships and subscriptions.
- 5% cash back on travel purchased through Chase.
- 2% cash back on restaurants, gas stations and select streaming services.
- 1% cash back on all other purchases.
Why we like it for Target: If you generally outsource all of your shopping with Instacart, the Instacart Mastercard® offers a solid rate of 5% cash back wherever you shop in the app or website — Target included. Outside of Instacart, you’ll also earn a decent rate when you eat out, fuel up or use select streaming services. You can further maximize rewards if you use Instacart pickup to save on costs like tipping. Cash back redeems for a direct deposit into a bank account, statement credit, travel or Instacart purchases.
*Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page.
