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What Is Target Circle vs Redcard

What Is Target Circle vs Redcard


Target, one of the largest retail chains in the United States, offers a range of loyalty programs to enhance the shopping experience for its customers. Two prominent programs are Target Circle and RedCard. While both programs provide various benefits and savings, they have distinct features and cater to different customer preferences. In this article, we will delve into the details of Target Circle and RedCard, highlighting their key features, benefits, and how they can enhance your shopping experience at Target.

Target Circle:

Target Circle is a free loyalty program that allows customers to enjoy a variety of benefits while shopping at Target. Here are some key features of Target Circle:

Rewards and Offers: Target Circle members have access to exclusive rewards and offers, including personalized deals based on their shopping preferences. Members can browse through the Target Circle app or website to discover special discounts, coupons, and promotions tailored to their needs.

Earn 1% on Every Purchase: With Target Circle, members earn 1% back on every eligible purchase made at Target. This cashback reward, known as “Target Circle earnings,” can be redeemed on future purchases, allowing members to save money on their shopping trips.

Birthday Discount: As a special perk, Target Circle members receive a birthday discount. This discount can be applied to a single purchase made during the member’s birthday month, providing additional savings.

Early Access to Sales: Target Circle members often receive early access to select sales events and promotions. This allows them to get a head start on shopping for popular items and take advantage of limited-time deals before they become widely available.



RedCard is Target’s store credit and debit card program. It offers additional benefits and savings beyond those provided by Target Circle. Here are some key features of RedCard:

  1. 5% Discount: One of the primary benefits of having a RedCard is the automatic 5% discount on most purchases made at Target. This discount applies both in-store and online, and it is applied at the point of sale, providing immediate savings.
  2. Free Shipping: RedCard holders enjoy the perk of free standard shipping on eligible items when shopping online at This benefit eliminates shipping costs, making online shopping even more convenient and cost-effective.
  3. Extended Returns: With a RedCard, customers have an extended timeframe for returns and exchanges. RedCard holders can return most items for an additional 30 days beyond the standard return policy, giving them more flexibility and peace of mind.
  4. Additional Benefits: RedCard members also receive access to exclusive offers, discounts, and promotions throughout the year. These benefits may include special deals on specific product categories or limited-time savings opportunities.


Choosing Between Target Circle and RedCard:

Deciding between Target Circle and RedCard depends on your shopping habits, preferences, and financial goals. Consider the following factors when making your decision:

  1. Frequency of Shopping: If you are a regular Target shopper who frequently makes purchases, both Target Circle and RedCard can provide benefits. However, if you shop at Target more often and want to maximize your savings, the RedCard’s 5% discount on every purchase can be more advantageous.
  2. Payment Preferences: If you prefer to avoid credit cards or manage your spending closely, Target Circle may be the better option for you. It allows you to earn cashback rewards without the need for a store credit card.
  3. Online Shopping Habits: If you frequently shop online at, the RedCard’s free shipping benefit can be highly appealing. This feature can save you money on shipping costs, especially for larger or heavier items.
  4. Return Flexibility: If you value extended return periods, the RedCard’s extended return policy can be beneficial. This feature provides an additional 30 days for returns and exchanges, giving you more time to decide if a product meets your expectations.



Target Circle and RedCard are two loyalty programs offered by Target, each with its own set of benefits and advantages. Target Circle provides personalized offers, rewards, and 1% cashback earnings, while RedCard offers a 5% discount, free shipping, and extended returns. Consider your shopping habits, preferences, and financial goals to determine which program aligns best with your needs. Whether you choose Target Circle or RedCard, both programs can enhance your shopping experience at Target and provide valuable savings.


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