What to Know About Target Circle and Target Circle 360

The Target Circle loyalty program is free and seamless, while Target Circle 360 adds access to same-day and two-day shipping for an annual fee.

Written by

Edited by

Edited by other Updated Oct 1, 2025 If you shop at Target often, one of the retailer’s “Circle” loyalty programs or credit card may be worth a look. Target offers a free membership for typical deals and bonuses and a paid membership (similar to Amazon Prime) for premium perks like free, fast shipping. The Target credit card is called the Target Circle™ Credit Card and gives a 5% discount on most Target purchases. Target Circle™ Credit Card Circle members can take special advantage of Target’s recurring Circle Week sales. The next one happens to be Oct. 5-11.

What is Target Circle (the free one)?

What is Target Circle (the free one)? Target Circle has been the retailer’s free loyalty and coupon program since 2019. It had some nice perks, but the primary way to score deals was kind of complicated. Previously, members would have to search for and save exclusive offers on Target’s website or the mobile app before being able to redeem the discounts online or in-store. Now, available deals are automatically applied at checkout.

Notable Circle perks

Notable Circle perks Access to Circle exclusive deals that are automatically applied at checkout. Access to rewards opportunities, and personalized deals. Free trials for products or services from partnering brands. The ability to help direct charitable donations from Target to local organizations.

What is Target Circle 360 (the paid one)?

What is Target Circle 360 (the paid one)? Target Circle 360 is a paid subscription plan that costs $10.99 a month or $99 a year. This upgraded version of Target Circle is geared toward super shoppers who’ll take advantage of the primary perks that come on top of the standard Circle membership: free same-day delivery from Target and partnering grocers, pet stores and more and two-day shipping on tons of products.

Notable Circle 360 perks

Notable Circle 360 perks Unlimited same-day delivery on select items from your local Target and now other stores like CVS, PetSmart, Lowe’s and 7-Eleven. Free two-day shipping on a wide selection of items. An extra 30 days to make returns, on top of Target’s standard policy. A free gift each month.

What is the Target Circle™ Card (the plastic one)?

What is the Target Circle™ Card (the plastic one)? The Target Circle™ Credit Card is simply the Target RedCard™ renamed. Primary perks of the card are an extra 5% off on Target Purchases, access to free, fast shipping, an extended return period and 50% off the Target Circle 360 annual membership. Target Circle™ Credit Card

Meet MoneyNerd, your weekly news decoder

So much news. So little time. NerdWallet's new weekly newsletter makes sense of the headlines that affect your wallet.
So much news. So little time. NerdWallet's new weekly newsletter makes sense of the headlines that affect your wallet.
So much news. So little time. NerdWallet's new weekly newsletter makes sense of the headlines that affect your wallet.

Is Target Circle worth it?

Is Target Circle worth it? Target Circle: If you buy anything from Target on a somewhat regular basis, you might as well join the free Target Circle loyalty program. That way you can be sure to get any discounts offered on products purchased when you enter your phone number at checkout. Think of it like the rewards program you use at your preferred grocery store. Target Circle: Target Circle 360: Paying the $99 annual fee for Target Circle 360 may be worth it if you shop at Target often and do much of it online. Like Amazon’s Prime membership, Target’s paid plan is all about the free, fast shipping. The kicker may just be the ability to get same-day delivery from other popular stores, too. Target Circle 360: Conversely, if you already pay $139 a year for Amazon Prime or $98 a year for Walmart+, adding Target’s plan might be too much. The Nerdy move is to subscribe only to the retailer you use the most. Target Circle™ Card: You might want to total up the past year of your Target purchases to determine whether the Target Circle™ Credit Card is worth it. If it’s your go-to retailer for most things, the extra 5% discount could add up. Otherwise, you might be missing out on cash back cards with broader shopping options. Target Circle™ Card: Target Circle™ Credit Card Explore more on About the author Tindall Tommy Tindall is a lead writer and content strategist covering how to make money — and how to keep it. He’s recorded and written about his experience testing popular gig jobs like driving for Uber, delivering with DoorDash and full-service shopping for Instacart. He loves making an extra buck, but laments the hours of awkward silence he endured as an Uber driver (never again). Cool kids might call him a content creator because he makes YouTube videos for the NerdWallet channel and app, but he himself is no longer very cool. Ask him about budgeting apps — he's tried most of them, but still prefers a good ole Google sheet to track spending. Then be sure to smash that “like” and “subscribe” button. Before NerdWallet, Tommy held decidedly more boring jobs at Fannie Mae and Booz Allen Hamilton. Today, he feels super privileged to write for you, the consumer. Published in Average Monthly Expenses by Category 6 of the Best Cash-Back Apps Savings Goal Calculator 9 Browser Extensions for Easily Finding Coupons 28 Proven Ways to Save Money By Tommy Tindall, Amanda Barroso, Elizabeth Ayoola How to Get Coupons: Rewards Programs, Browser Extensions, Apps and More By Lauren Schwahn, Amanda Barroso Use This Script to Cut Your Cell Phone Bill By Laura McMullen, AI-Assisted NerdWallet Frugal Living Comprehensive Guide: 30+ Ways to Find Serious Savings By Kelsey Sheehy, Hal M. Bundrick, CFP® 13 Ways to Get Free Stuff By Lauren Schwahn, Amanda Barroso, Lisa Mulka Best Grocery List Apps of 2026 By Amanda Barroso 9 Browser Extensions for Easily Finding Coupons By Tommy Tindall, Lisa Mulka