Maximize Your Savings at Target with the Right Credit Card
Are you a frequent Target shopper? If so, you may be leaving money on the table by not using the right credit card. With nearly 2,000 U.S. locations, Target is a popular spot for groceries, home goods, furniture, and personal care items. By using a rewards credit card, you can earn cash back, points, or miles on your everyday purchases, maximizing your savings.
Top Rewards Credit Cards for Target Purchases
We’ve identified some of the best rewards credit cards for Target purchases, including:
Blue Cash Everyday from Amex
With 3% cash back on online retail purchases (up to $6,000 spent per year), this card is ideal for frequent Target shoppers who prefer to shop online. You can earn up to $180 in cash back each year, plus an additional 1% on purchases after reaching the annual cap.
Capital One Venture
If you like earning travel rewards, this card offers unlimited 2x miles on every purchase, including at Target. You can redeem your miles for travel bookings, transfer them to airline and hotel partners, or use them to offset travel purchases.
Capital One Quicksilver Student
College students can save money and start building credit with this student credit card. You’ll earn 1.5% cash back on all purchases, including at Target, with no annual fee.
Citi Double Cash
This card offers a flat 2% cash-back rate on all purchases, making it a great option for maximizing purchases that don’t fall within common credit card rewards categories.
Target Circle Card
If you regularly shop at Target, this card offers an automatic 5% discount at checkout on eligible Target purchases in-store and online. You’ll also receive additional benefits, such as free two-day shipping and an extra 30 days for returns and exchanges.
Choosing the Right Credit Card for You
When selecting a credit card, consider your spending habits and priorities. Do you shop at Target frequently? Look for cards with specific rewards at Target or flat-rate rewards on every purchase. Do you prefer earning cash back or travel rewards? Consider cards with flexible redemption options.
Benefits Beyond Rewards
Remember to also consider benefits and protections that suit your spending habits. These might include a great welcome bonus, annual credits with brands you already use, or purchase and travel protections.
Responsible Credit Card Use
While credit cards can offer valuable rewards and benefits, it’s essential to use them responsibly. Avoid high-interest debt by paying your balance in full each month, and never spend more than you can afford.
By choosing the right credit card and using it responsibly, you can maximize your savings at Target and beyond.
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