Target Circle™ Mastercard: Calculator & Rewards Breakdown
Fees
Earning Rates
- Get 5% off instantly when shopping in-store and online with Target.
- Earn 2% back on dining and gas purchases.
- Earn 1% back on everything else.
Main Benefits
- Free 2-day shipping on items through target.com
- Get an additional 30 days for returns and exchanges at Target
- Cardmember exclusives
Our Take
Target Mastercard Rewards Calculator
Use this calculator to estimate how much you’ll save and earn with the Target Circle™ Mastercard® (formerly the RedCard Credit Card). You’ll save 5% on all Target and Target.com purchases, earn 2% back at gas stations and restaurants, and 1% back on all other purchases.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Target™ Circle Mastercard® Details
Earning Rates
The Target Mastercard earns cash back at the following rates:
- Get 5% off instantly on in-store and online.
- Earn 2% back in Rewards on gas and dining purchases.
- Earn 1% back in Rewards on all other purchases.
Rewards Value & Calculator
Once you've earned at least $10 in Rewards, you will be able to convert them into a physical Target GiftCard or a Target eGiftCard.
Key Benefits
Here are the benefits of the Target Mastercard:
- Free Shipping: Free 2-day shipping on hundreds of thousands of items at Target.com.
- Cardmember Offers: Receive Target Circle™️ Card exclusives and offers
- More Return Time: Get an additional 30 days for returns and exchanges at Target
- Everyday 5% Discount: In addition to saving 5% instantly at Target, you will also save 5% at in-store Starbucks locations, on specialty gift cards, drive-ups, and same day delivery.
Fees
Annual Fee
The Target Mastercard has no annual fee.
