Credit card rates & fees
Debit card agreements & fees
Target Circle™ Card Reloadable Account agreements & fees

When you use your Target Circle Card for your Target.com purchases or are a Target Circle 360 member, you receive free standard shipping on most items and free 2-day shipping on eligible items. Hundreds of thousands of items qualify for 2-day shipping. If an item is eligible for 2-day shipping, it'll be noted on the product detail page and on the cart & check out page. Place your order by the order cutoff time to receive 2-day shipping on select items to select ZIP codes. Visit Target.com/2dayshipping for general delivery guidelines.

Subject to the terms and conditions of the membership. When you have a Target Circle Card (credit or debit) saved to your Target account, $99/year membership fee discounted to $49/year; or $10.99/month membership fee discounted to $4.99/month. Cannot be applied to previous purchases or combined with other promotions.

When you make purchases with your Target Circle Card Account, Target Debit Card, Target Credit Card or Target™ Mastercard® (each, a “Target Circle™ Card”) at Target stores or Target.com, you will receive 30 additional days to return the purchases beyond the standard return policy applicable to each of the purchased items. Target reserves the right to discontinue or alter the terms of this program at any time.

Target Circle™ Card extended returns do not apply to the following:

• Target Optical purchases
• Non-returnable items
• Contract mobile phones
• Online purchases of Supplemental Nutrition Assistance Program (SNAP) eligible items using both Electronic Benefits Transfer (EBT) and a Target Circle Card for payment

When you use your Target Circle Card Account, Target Debit Card, Target Credit Card or Target™ Mastercard® (each, a “Target Circle™ Card”) on Target.com, you will receive free shipping on your Target.com purchases. Offer applies on standard shipping to all 50 states and the District of Columbia as well as APO/FPO addresses and Puerto Rico. If you upgrade your shipping method, shipping fees will apply. Target may offer promotions for free shipping on upgraded shipping methods, and the terms of those promotions will be described in the offer. Select items may require a minimum purchase threshold before the order will be shipped. Orders delivered by Shipt may have a delivery fee. This offer is not valid on previous orders or where otherwise prohibited by law. Target reserves the right to discontinue or alter the terms of this program at any time.

Target Circle Card holders will be offered exclusive extras, including special items and offers (collectively, “exclusive extras”). Every exclusive extra may not be available to every Target Circle Card holder, and the selection of Target Circle Card holders for a specific exclusive extra may be based on criteria, such as previous purchases or geographic location. Target Circle Card holders may need to be fully enrolled in Target Circle™ to redeem offers. Exclusive extras are planned throughout the year at our sole discretion and may vary from year to year. Exclusive extras may have limitations and restrictions. Applicable details for a specific exclusive extra will be provided in communications about the exclusive extra.

Subject to identity verification.

You'll be considered for a Target Mastercard, based on your creditworthiness. If you don't qualify for it, you'll be considered for a Target Circle Credit Card. You’re applying for a Target credit card issued by TD Bank, USA, N.A.

Get $50 in Target Circle Rewards deposited into your Target Circle account within 30 minutes if approved for a Target Circle credit card. Offer not valid on Target Circle debit cards or mail-in applications.

Target Circle Rewards terms apply. Rewards expire one year after the last qualifying earn or redemption activity. Your rewards expiration date is available at target.com/circle or in the Wallet tab of the Target app.