Target Circle Rewards - Program Details & Rewards Calculator

Target Rewards

Learn the benefits of the Target Circle Rewards program and calculate how much cash back you can earn spending in the program and with the Target RedCard.


Program Details

Target is an American retail store headquartered in Minneapolis, Minnesota. They are currently the 8th-largest retailer in the United States and have over 1,800 stores across the states.

Target Rewards Program & Calculators

Target's loyalty program is called Target Circle and it's free to sign up for. With Target Circle, you'll earn 1% back on purchases made in-store at Target, online at Target.com, or through the Target App. If you have the Target RedCard, you'll earn 5% back on Target purchases like you normally would. Along with earning cash back you'll also receive the following benefits as a Target Circle member:

  • Access to deals & offers through your account
  • A 5% off coupon annually on your birthday
  • Earn votes to help direct where Target gives in your community
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You'll be able to keep track of everything in your account.

It's a pretty straightforward program and an easy way to earn a little cash back into your pocket. Plus, you'll be able to add coupons and offers to your Target Circle account and then will trigger automatically at checkout at Target. If you shop at Target frequently, I recommend signing up.

Credit Card Rewards Calculators

The Target RedCard is the best credit card for Target purchases. It offers a great 5% return and grants you multiple benefits when shopping at Target such as free 2-day shipping, additional time for returns, and exclusive gifts and offers. It comes in a credit and debit card version. The Target RedCard Debit Card links directly to your checking account to make purchases whereas the Target RedCard Credit Card works like a normal credit card in which you'll pay off your card every month.

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Compare credit cards side by side based on spend, benefits and fees.

You can click on the Target credit card below to learn about the bonus categories, perks & benefits, standard sign up bonus, and fees of the card. The Target credit card also has it's own cash back calculator. The calculator will calculate how cash back you can earn and the cash value of the Target credit card based on your monthly/yearly spend, how much each card benefit is worth to you, and the fees of the card. You can compare the results side by side any credit card featured on the site. Any spend you enter into the Target credit card calculator will carry over to all credit card calculators on the site, so there's no need to re-enter spend when jumping page to page.

Comparison Calculators

Comparison Calculators features side by side comparisons of frequently compared credit cards or comparisons requested through our YouTube channel. These calculators are already set up so you can immediately start calculating total rewards as well as the cash value of the compared cards based on your monthly/yearly spend, how much the card benefits are worth to you, and the annual fees. Comparison Calculators does not allow you to change the designated cards being compared. If you want to compare credit cards outside of the comparisons listed below, I recommend searching for the credit card you want to compare and then using its calculator to compare it against anything featured on the site.

Online Portals + Target.com

You can earn additional rewards on top of the cash back you normally earn with Target by using online shopping and cash back portals. These free-to-use portals offer the chance to double and triple dip on rewards. They're very easy to use:

  1. You find the store on the online portal of your choosing
  2. Click on that portal's affiliate link for that store
  3. You'll land on the store's normal home page to shop as normal
  4. Once you make a purchase, the shopping portal will be notified
  5. You'll earn cash back (or other rewards) with that online portal
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Earn easy cash back using cash back portals with Target.

This is an easy way to earn the 1% cash back with Target Circle or 5% with the Target RedCard and earn some additional cash back, points, or miles on top of that. I highly recommend using an online portal for online shopping especially when booking travel such as hotels and car rentals.

You can check out our reviews on the top cash back portals that you can use with Target.com:

Guides, Deals, and Useful Links

Listed below are guides, deals, and useful links. Do note that some of the links listed may be external links meaning they will take you outside of The Point Calculator website. These are indicated by a new window symbol () and will open in a new window/tab. These links are updated as needed.


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Article By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.

About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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