Target Circle Card
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Target | 5% | 5% |
| Everything else | 0% | 0% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Status & Elite Perks (1)
Free 2-Day Shipping
Free 2-day shipping on hundreds of thousands of items at Target.com when you pay with your Target Circle Card. Some items are excluded.
Other (2)
30-Day Extended Returns
Get an extra 30 days on top of the standard return window to return items purchased with your Target Circle Card at Target or Target.com.
5% Off In-Store Starbucks
Save 5% off at any in-store Starbucks location inside Target when you pay with your Target Circle Card (part of the 5% Target discount program; listed separately as a reminder since Starbucks isn't an obvious Target purchase). The 5% discount excludes alcohol, Target GiftCards, CVS pharmacy, Target Optical and select gift cards.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 3 Target Circle Card benefits automatically — redemption progress, reset dates and expiry alerts.