Finding ways to save on everyday purchases can make a real difference in your monthly budget. If you’re a frequent Target shopper, the Target Circle Card might be the perfect tool to help you get more value from your spending. With perks like 5% off on eligible purchases and free shipping options, this card offers more than just convenience—it rewards loyalty. In this guide, we’ll walk you through everything you need to know to successfully apply for the Target Circle Card and start enjoying its benefits right away.
What is the Target Circle Card?
The Target Circle Card, formerly known as the REDcard, is a store-branded credit or debit card offered by Target that provides a range of exclusive perks to its users. Whether you choose the credit or debit version, the card is designed to enhance your shopping experience and help you save money with every purchase made at Target. When you use this card, you receive 5% off most purchases in-store and online, access to exclusive deals, and free two-day shipping on eligible items from Target.com. Additionally, the card includes an extended return window, giving you an extra 30 days to return or exchange most items—making shopping more flexible and stress-free. The card can be used exclusively at Target and Target.com, which helps limit overspending elsewhere and keeps your finances focused.
How to Apply for Target Circle Card?
Applying for the Target Circle Card is a straightforward process that can be completed online or in-store. Start by heading to the official Target Circle Card page. This is where you’ll find the latest terms, benefits, and application portal. Once on the page, click the “Apply Now” button. This will redirect you to the application form hosted by TD Bank, the card’s issuer. You’ll need to provide some basic personal and financial information, such as:
- Full legal name
- Date of birth
- Social Security number
- Annual income
- Contact details
- Employment information
Make sure all the information is accurate to avoid delays in approval. Before submitting, carefully review the card’s terms and conditions, including the interest rates, payment schedule, and privacy disclosures. It’s important to understand what you’re signing up for. Once you’re confident everything is correct, go ahead and submit the application. Most applicants receive a decision within minutes. If approved, your Target Circle Card will arrive by mail, usually within 7 to 10 business days. You can then activate it and start enjoying the perks right away.
Ready to Start Saving?
Applying for this card is a smart move if you’re looking to save more on everyday essentials, earn rewards, and enjoy exclusive perks. In this guide, we’ve walked through what the card is, its benefits, and a step-by-step application process—plus helpful tips to make the most of your new financial tool. Now that you know exactly how to apply and why it’s worth it, there’s no reason to wait. Start enjoying 5% off, free shipping, and extended returns! Apply now.