Target Mastercard earning rate

The Target Mastercard earns cash back at the following rates:

  • Get 5% off instantly on in-store and online.
  • Earn 2% back in Rewards on gas and dining purchases.
  • Earn 1% back in Rewards on all other purchases.

Target Mastercard Rewards value

Once you've earned at least $10 in Rewards, you will be able to convert them into a physical Target GiftCard or a Target eGiftCard.

Target Mastercard benefits

Here are the benefits of the Target Mastercard:

  • Free Shipping: Free 2-day shipping on hundreds of thousands of items at Target.com.
  • Cardmember Offers: Receive Target Circle™️ Card exclusives and offers
  • More Return Time: Get an additional 30 days for returns and exchanges at Target
  • Everyday 5% Discount: In addition to saving 5% instantly at Target, you will also save 5% at in-store Starbucks locations, on specialty gift cards, drive-ups, and same day delivery.

Target Mastercard fees

Annual Fee

The Target Mastercard has no annual fee.