The Target Credit Card is a good credit card that’s worth it for anyone with fair credit or better who regularly shops at Target. The Target Card, as it’s also known, has a $0 annual fee and offers 5% discount back on all Target purchases, including those made at Starbucks locations within Target stores.

Target Credit Card Review Highlights

Save 5% on most Target purchases

The Target Store Credit Card, also known as the Circle Card (previously the RedCard), gives cardholders an indefinite 5% off sale on pretty much everything except pharmacy purchases, gift cards, wireless protection plans and a few other items. If Target is one of your favorite stores, that’s a great deal, with the potential to save you hundreds of dollars per year.
 

Don’t worry about yearly fees

The Target Card doesn’t charge an annual fee, which always makes it easier to justify opening a credit card just for purchases at a single store. This also saves you $26.75 compared to the average credit card, according to WalletHub’s latest Credit Card Landscape Report.
 

Enjoy 30 extra days for returns

Simply having a Target Credit Card gives you 30 extra days to return purchases for a refund, on top of each item’s standard return window. That extra time could be a life-saver for someone with a busy schedule.
 

Get free shipping from Target.com

The Target Card gives you free standard shipping on all Target.com orders, making it easier to shop online. As long as you don’t need something at the last minute, you won’t have to pay extra for doing your shopping from home with a Target Card.
 

Qualify with “fair” credit

You only need “fair” credit to qualify for the Target Card, which means it’s possible to get approved with a credit score of just 620. You can see if you’re in the ballpark by checking your credit score for free on WalletHub.