Target Circle: What Is It and How Can You Save Big?

Hillsboro, OR, USA - Jan 18, 2021: A Target shopping cart is seen outside a Target store in Hillsboro, Oregon.
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It’s time to flex your savings muscles at one of your favorite stores. If, like many people, you can’t get enough of Target, then you might be delighted to discover Target Circle. Your debit or credit card gets enough of a workout, so loyalty programs always help ease the financial burden of shopping sprees. Why not get rewards, discounts, sales and deals on all of your frequent trips to this mega-retailer and one-stop shop? 

See: How To Get Cash Back on Your Everyday Purchases

What Is Target Circle? 

Shopping at Target can come with some great perks, such as Target Circle, which is a loyalty program. You can earn 1% in earnings rewards with every eligible purchase on a non-RedCard payment. You can earn rewards shopping with Target Circle online or in-store. 

How Target Circle Works

Target Circle is free to join, and there is no associated credit or debit card requirement. If you frequently shop at Target, this could be a great way to get discounts, gift cards and exclusive deals on Target items you would have purchased anyway. Here’s how it works:

  • If you pay without a RedCard, you’ll earn 1% at your local Target store or online at Target.com when you shop to redeem later.
  • If you pay with a RedCard, you’ll get 5% in savings as you normally would, instead of earning 1%.
  • When you shop, you can get community support votes that help direct Target as to how it should give back
  • You can get 5% off of one purchase for your birthday if it is within 30 days of your birthday, which is a nice present to yourself. 
  • You have access to better deals on brands you buy through Target Circle partnerships. 
Make Your Money Work for You

How To Get Your Target Circle Rewards

When you open a Target account and become a Target Circle member, you are primed for big savings curated specifically for you. Simply enter your mobile number or scan your Target Circle barcode to redeem saved offers at the same time. If you don’t use your RedCard, you can still earn 1% to redeem later, rather than saving 5% instantly. 

Here is how to get your rewards:

  • In-store: Enter your mobile number on the self-checkout screen or keypad and then scan your Target Circle barcode. You can find the barcode located in either your Wallet, your Target account online or in the Target app.
  • Online: Log in to your Target account via Target.com or on your Target app and enter receipt numbers. Make sure to do this within 14 days to collect earnings from eligible purchases.

Final Take To GO: Is Target Circle Worth It?

Target Circle is best for you if you shop enough at Target that your local store knows you by name. It is free to join, so it can’t hurt to sign up to see if there is value in what you shop for and what you save. Target Circle also offers discounts and deals specifically designed for your shopping needs, so it kind of makes you your own best personal shopper. 

FAQ

Here are some answers to frequently asked questions about Target Circle and how it works.

  • What is Target Circle and how does it work?
    • Target Circle is a loyalty program where you can earn 1% in earnings rewards with every eligible purchase on a non-RedCard payment. You can earn rewards shopping with Target Circle online or in-store. It is free to join, and there is no associated credit or debit card requirement. If you frequently shop at Target, this could be a great way to get discounts, gift cards and exclusive deals on Target items.
  • Is it worth getting Target Circle?
    • Yes, Target Circle can be worth getting if you frequently shop at Target. Here are some key takeaways:
      • If you pay without a RedCard, you'll earn 1% at your local Target store or online at Target.com when you shop to redeem later.
      • If you pay with a RedCard, you'll get 5% in savings as you normally would, instead of earning 1%.
      • You can get 5% off of one purchase for your birthday if it is within 30 days of your birthday.
      • You have access to better deals on brands you buy through Target Circle partnerships.
  • How do you redeem your Target Circle rewards?
    • There are a few ways to redeem your Target Circle rewards, depending on whether you shop in-store or online:
      • In-store: Enter your mobile number on the self-checkout screen or keypad and then scan your Target Circle barcode. You can find the barcode located in either your Wallet, your Target account online or in the Target app.
      • Online: Log in to your Target account via Target.com or on your Target app and enter receipt numbers. Make sure to do this within 14 days to collect earnings from eligible purchases.
  • What is the Target Circle percentage?
    • With Target Circle, the percentage you can earn is 1% on all eligible purchases you make without a RedCard. Rewards can be redeemed and applied to your later Target purchases. If you pay with your Target RedCard, you'll get 5% savings as you normally would.
Make Your Money Work for You

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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