Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$240/yr
$240 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$260/yr
$260 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$280/yr
$280 rewards
Not ranked in the Rewards Index: Store card, usable only at one retailer.
Rewards by Category
Dining
1x
Grocery
1x
Gas
1x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
1x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
Now the Target Circle Card (renamed 2024). Store card usable only at Target: 5% off Target purchases, free 2-day shipping, extended returns.
Target RedCard Credit Card FAQ
What is the Target RedCard Credit Card annual fee?
The Target RedCard Credit Card has no annual fee.
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