Nice! I was just thinking to myself how I would like a version of Walmart+ for Target. More info here: https://corporate.target.com/news-features/article/2024/03/target-circle-loyalty-program Is this for both the credit card and the debit card? Looks like yes, new names: Target Circle Card: Target Debit Card, Target Credit Card, Target Mastercard, and Target Circle Card Account (Target Circle Card Reloadable Account) What about the Target Redcard Mastercard that some are invited to upgrade to? Will TD Bank continue to manage the new Circle Card? The Target Circle credit cards (Target Credit Card and Target Mastercard) are issued by TD Bank USA, N.A. Mastercard is a registered trademark of Mastercard International, Inc. Looks like that isn't changing. It sounds like the 5% off (with no 1% extra back in Target Circle Rewards) and extended returns will remain intact? 5% Target Circle Card Discount: You will receive 5% off purchases paid for with your Target Circle Card (debit, credit, and reloadable) at Target stores and Target.com Target Circle Card Extended Returns: When you make purchases with your Target Circle Card (debit, credit, and reloadable) 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. Would free two-day shipping come with all orders? Or would there still be a $35 minimum for orders to qualify for free shippinng? 2-Day Shipping: When you pay with your Target Circle Card (debit, credit, and reloadable) or are a Target Circle 360 member, get free 2day shipping on hundreds of thousands of items. Eligible items will be noted on the product detail page, in cart & at check out. It isn't entirely clear if the $35 minimum would still apply. It doesn't explicitly say no minimum but it doesn't have the $35 minimum language either. Guess we will have to wait on this one. I'm assuming there continue to be no annual fee? Discounted Target Circle 360 Membership: Subject to the terms and conditions of the membership. $99 annual membership fee discounted to $49 when you have a Target Circle Card (credit, debit and reloadable) saved to your Target account. No fee, unless you want Circle 360. But you get a discount to $49 with Target Circle card. Excellent that this offer applies to the debit card as well. Answer from Inspirasion on reddit.com
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Target
target.com › circlecard
Target Circle™️ Card: Save 5% at Target
Go to credit or debit card siteGo to reloadable card site ... Flexible spending with no monthly or annual fees2. The Target Circle credit card and Target™️ Mastercard require credit approval10.
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Target
help.target.com › help › TargetGuestHelpArticleDetail
How do I access Manage my Target Circle™ Card? - Help
go to chat button go to minimized chat button · My Target.com Account · Free 2-day shipping on eligible items with $35+ orders* REDcard - save 5% & free shipping on most items see details · Registry · Weekly Ad · Target Circle Card · Gift Cards · Find Stores · Orders
Discussions

Just a cosmetic rebrand of Target Redcard to Target Circle Card?
Nice! I was just thinking to myself how I would like a version of Walmart+ for Target. More info here: https://corporate.target.com/news-features/article/2024/03/target-circle-loyalty-program Is this for both the credit card and the debit card? Looks like yes, new names: Target Circle™ Card: Target Debit Card, Target Credit Card, Target™ Mastercard®, and Target Circle Card Account (Target Circle Card Reloadable Account) What about the Target Redcard Mastercard that some are invited to upgrade to? Will TD Bank continue to manage the new Circle Card? The Target Circle credit cards (Target Credit Card and Target Mastercard) are issued by TD Bank USA, N.A. Mastercard is a registered trademark of Mastercard International, Inc. Looks like that isn't changing. It sounds like the 5% off (with no 1% extra back in Target Circle Rewards) and extended returns will remain intact? 5% Target Circle™ Card Discount: You will receive 5% off purchases paid for with your Target Circle Card (debit, credit, and reloadable) at Target stores and Target.com Target Circle™ Card Extended Returns: When you make purchases with your Target Circle Card (debit, credit, and reloadable) 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. Would free two-day shipping come with all orders? Or would there still be a $35 minimum for orders to qualify for free shippinng? 2-Day Shipping: When you pay with your Target Circle Card (debit, credit, and reloadable) or are a Target Circle 360 member, get free 2day shipping on hundreds of thousands of items. Eligible items will be noted on the product detail page, in cart & at check out. It isn't entirely clear if the $35 minimum would still apply. It doesn't explicitly say no minimum but it doesn't have the $35 minimum language either. Guess we will have to wait on this one. I'm assuming there continue to be no annual fee? Discounted Target Circle 360 Membership: Subject to the terms and conditions of the membership. $99 annual membership fee discounted to $49 when you have a Target Circle Card (credit, debit and reloadable) saved to your Target account. No fee, unless you want Circle 360. But you get a discount to $49 with Target Circle card. Excellent that this offer applies to the debit card as well. More on reddit.com
🌐 r/CreditCards
20
38
March 5, 2024
Target Redcard / Circle Card Limit, Payment Holds
I’ve never understood why anyone gets the target credit card when their debit card offers the exact same benefits without having to deal with synchrony TD. Just get their debit card and that’ll solve all your problems. More on reddit.com
🌐 r/CreditCards
15
4
October 24, 2025
Target Circle Card is a fantastic option for people that prefer cash back
This isn’t rocket science. If you shop at Target, then yes, of course it’s a no brainer. But it’s only really one piece of a solid cashback scheme. More on reddit.com
🌐 r/CreditCards
50
71
July 16, 2024
circle card BS
They don't want people standing in lines for too long. But they want you to slow the lines down by getting them to apply for the circle app/ circle card. These idiots actually need to work on the floor and understand exactly how a store operates. More on reddit.com
🌐 r/Target
61
167
December 8, 2023
🌐
Target
target.com › help › contact-us › target-circle-card
Target Circle™ Card : Contact Us : Target
Target Circle Credit Card: 1-800-424-6888 Target Circle Mastercard: 1-612-815-9922 Target Circle Debit Card: 1-888-729-7331 Target Circle Reloadable Card: 1-833-840-4332 For relay service, please dial 711
🌐
Target
target.com › c › target-debit-card › - › N-4tfyn
Target Circle™ Card : Target
Save 5% and Unlock Deals with Target Circle Card™. Exclusive offers & birthday gift. Shop & earn rewards.
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Target Circle
targetcirclereloadable.com
Reloadable Debit Card | Target Rewards | Target Circle
Receive 5% off when shopping in-store or online at Target with Target Circle Card Reloadable! Enjoy no monthly usage fees and free cash reloads at any Target location!
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U.S. News
money.usnews.com › home › credit cards › td bank
Target Circle™ Card 2025 Review | US News
Target Circle™ Card users get a 5% discount on eligible purchases at Target stores and on Target.com, including clearance items, Starbucks purchases at Target stores, drive-up orders, specialty gift cards, and same-day delivery orders on ...
Find elsewhere
🌐
Target
target.com › l › target-circle › - › N-pzno9
Target Circle™
Target Circle™Target Circle™ CardTarget Circle 360™Registry & Wish ListWeekly AdFind Stores · Categories · Deals · New & featured · Pickup & delivery · Personalized & automatically applied deals   Earn rewards to save or spend Discounts for verified military, college students & teachers ·
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Reddit
reddit.com › r/creditcards › just a cosmetic rebrand of target redcard to target circle card?
r/CreditCards on Reddit: Just a cosmetic rebrand of Target Redcard to Target Circle Card?
March 5, 2024 -

Just reading this article, it sounds like Target Redcard will become Target Circle Card. Is this for both the credit card and the debit card? What about the Target Redcard Mastercard that some are invited to upgrade to? Will TD Bank continue to manage the new Circle Card? It sounds like the 5% off (with no 1% extra back in Target Circle Rewards) and extended returns will remain intact? Would free two-day shipping come with all orders? Or would there still be a $35 minimum for orders to qualify for free shipping? I'm assuming there continue to be no annual fee?

https://www.cnbc.com/2024/03/05/target-launches-paid-membership-target-circle-360.html

Top answer
1 of 4
18
Target will probably come out with some specifics in the coming days/weeks. I can't imagine them removing the $35 minimum for two-day shipping due to the shipping and labor costs that would incur for them.
2 of 4
12
Nice! I was just thinking to myself how I would like a version of Walmart+ for Target. More info here: https://corporate.target.com/news-features/article/2024/03/target-circle-loyalty-program Is this for both the credit card and the debit card? Looks like yes, new names: Target Circle™ Card: Target Debit Card, Target Credit Card, Target™ Mastercard®, and Target Circle Card Account (Target Circle Card Reloadable Account) What about the Target Redcard Mastercard that some are invited to upgrade to? Will TD Bank continue to manage the new Circle Card? The Target Circle credit cards (Target Credit Card and Target Mastercard) are issued by TD Bank USA, N.A. Mastercard is a registered trademark of Mastercard International, Inc. Looks like that isn't changing. It sounds like the 5% off (with no 1% extra back in Target Circle Rewards) and extended returns will remain intact? 5% Target Circle™ Card Discount: You will receive 5% off purchases paid for with your Target Circle Card (debit, credit, and reloadable) at Target stores and Target.com Target Circle™ Card Extended Returns: When you make purchases with your Target Circle Card (debit, credit, and reloadable) 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. Would free two-day shipping come with all orders? Or would there still be a $35 minimum for orders to qualify for free shippinng? 2-Day Shipping: When you pay with your Target Circle Card (debit, credit, and reloadable) or are a Target Circle 360 member, get free 2day shipping on hundreds of thousands of items. Eligible items will be noted on the product detail page, in cart & at check out. It isn't entirely clear if the $35 minimum would still apply. It doesn't explicitly say no minimum but it doesn't have the $35 minimum language either. Guess we will have to wait on this one. I'm assuming there continue to be no annual fee? Discounted Target Circle 360 Membership: Subject to the terms and conditions of the membership. $99 annual membership fee discounted to $49 when you have a Target Circle Card (credit, debit and reloadable) saved to your Target account. No fee, unless you want Circle 360. But you get a discount to $49 with Target Circle card. Excellent that this offer applies to the debit card as well.
🌐
Target
target.com › account
Account : Target
Target Circle™Target Circle™ CardTarget Circle 360™Registry & Wish ListWeekly AdFind Stores · Categories · Deals · New & featured · Pickup & delivery ·
🌐
App Store
apps.apple.com › us › app › reloadable-target-circle-card › id1625095592
Reloadable Target Circle Card App - App Store
Additional features & benefits include: No monthly fee Get your pay up to 2 days early with free early direct deposit⁴ Free subaccounts to keep your family spending on track Use your card to shop online or in stores anywhere Visa® debit cards ...
Rating: 4.8 ​ - ​ 4.94K votes
🌐
Investopedia
investopedia.com › articles › investing › 030916 › target-red-card-what-you-need-know-tgt.asp
Target's Circle Card: What You Need to Know
May 13, 2025 - The Target Circle Card program is a loyalty program that offers shoppers discounts on purchases. Find out how the program works and how to get a Target Circle Card.
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Target
contactus.target.com › ContactUs
Target Circle Credit & Debit
Target Circle Card · Gift Cards · Find Stores · Orders · Choose a topic · Select... Target.com Order Experience · Store Experience · Registries and Lists · Target GiftCard · Pharmacy & Clinic · Product Safety & Quality · Target Circle Credit & Debit ·
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Target Red Card
targettredcardlogin.com
Target red card login - Account Login
Sign in · Use your Google Account · Not your computer? Use Guest mode to sign in privately. Learn more about using Guest mode · Create account
🌐
Reddit
reddit.com › r/creditcards › target redcard / circle card limit, payment holds
r/CreditCards on Reddit: Target Redcard / Circle Card Limit, Payment Holds
October 24, 2025 -

I'm mostly posting this for posterity, because I did some searching around Reddit and couldn't find my exact issue. Hoping this helps someone else.

Despite my high income and 821 credit score, My Target card has had a $600 limit for 3.5 years. I have never gotten an auto CLI, and you can't request one.

My family does most of our shopping, including groceries, at Target. In order to free up space under the limit, I have to pay the card off every 2 weeks when I get paid. However, if you make three payments in one calendar month, the last payment has a hold put on it. It takes the money out of your bank account, but doesn't free up your credit limit for several days, maybe up to a couple weeks. To get it to clear, you have to call Target customer service, then do a three-way call with your bank to prove to them that the payment came out.

All of the Target customer service is foreign, and I've never reached a level of supervisor who even fully understood the problem.

I cancelled the card. My main card gets 2% cash back everywhere, and I decided the extra 3% is not worth my dignity to be begging for CLIs or to call my bank to prove I paid my card every couple months. Not to mention the many times we've publicly had our credit card declined at Target.

I'd like to shop somewhere else, but for my family there is currently not a better option locally than Target.

🌐
YouTube
youtube.com › chief tuts
How to Apply for a Target RedCard Debit or Credit Card (Quick Tutorial) - YouTube
In this video I will show you How to Apply for a Target RedCard Debit or Credit Card. It would be good if you watch the video until the end so that you don't...
Published   April 19, 2024
Views   208
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Credit Karma
creditkarma.com › credit cards › insights › target circle™ card review: does it hit the bull’s-eye for frequent shoppers?
Target Circle Card Review: Does It Hit the Bull’s-Eye for Frequent Shoppers? | Intuit Credit Karma
Target Circle™ Card review: Does it hit the bull’s-eye for frequent shoppers?
Interested in the Target Circle Card? Read reviews and see cardholder data, including average credit limits and credit scores.
Rating: 4.1 ​
🌐
NerdWallet
nerdwallet.com › credit-cards › learn › making-most-target-redcard
Making the most of the Target Circle™ Credit Card
3 weeks ago - It can be a store debit card. And if you’re invited, it can be a Mastercard that you can use wherever Mastercards are accepted. Whichever version you have, you get the same money-saving perks: 5% off everything you buy at Target or Target.com and free shipping at Target.com.
🌐
Target Circle
targetcirclereloadable.com › faqs
FAQs
Get the answers to all of your questions about Target Circle Card Reloadable. We're here to help you get started, receive discounts, and so much more!
🌐
NerdWallet
nerdwallet.com › back to nerdwallet homepage › finance › what to know about target circle and target circle 360
What to Know About Target Circle and Target Circle 360 - NerdWallet
October 1, 2025 - Target offers a free membership ... The Target credit card is called the Target Circle™ Credit Card and gives a 5% discount on most Target purchases....