The 11 Best Credit Cards for Shopping at Target [2024]

Target is one of the most recognizable companies in the U.S. Dubbed as the 11th-best retail brand by Brand Finance in 2021,¹ it’s no wonder lots of Americans find their way back to Target time and time again.

As one of the largest retailers in the U.S., Target also enjoys tremendously high customer satisfaction and NPS scores (how likely a customer is to recommend Target to a friend or colleague), akin to what you’d see at Costco.

Its locations across the U.S. have clothing, toys, electronics, home improvement goods, and pharmaceutical products, and some even have grocery sections! Whatever your needs, Target is likely to stock the items you are looking for.

But before you make a Target run, take a minute to figure out what the best credit cards are for shopping at Target. In this guide, we’ll show you the exact steps to figure out which credit card is best for your needs.

If you follow our guide’s detailed explanations, including key tips on how your purchases at your favorite Target location code, you’ll be massively rewarded with lots of points.

Let’s get started!

The 11 Best Cards for Shopping at Target — Overview

What To Look for in a Credit Card for Shopping at Target

Whenever you make a purchase using your credit card, numerous things are going on behind the scenes. One of these things that happens is that your purchase gets categorized depending on what the merchant category code (MCC) is.

And your merchant category code can vary depending on which exact merchant location you shop at. In the case of Target, your in-store purchases will count as 1 of the following 2 categories:

• 5310 — Discount stores/warehouse/wholesale
• 5411 — Grocery stores/supermarkets/bakeries

So why is this important? Well, if the Target location you routinely shop at is coded as 5411, then you can actually get bonus points as you would with other grocery stores and supermarkets.

On the flip side, if your local Target location is coded as 5310, you may want to use a different credit card.

So how do you figure out what merchant category code your Target location falls under? Unfortunately, this has gotten a lot harder than it has been in the past.

Before, we’d simply use the Visa Supplier Locator Tool; however, this has since been taken down, so the best way to figure out which MCC your local Target falls under is to make test purchases on your credit card.

In the past, you’d see specific locations by MCC. Nowadays, it requires a lot of trial and error to figure it out.

Sadly, Amex specifically excludes Target as a supermarket, even if it initially codes as a supermarket, so this would generally only work on non-Amex cards. We’ll have to look for cards that offer bonus categories at supermarkets that aren’t Amex cards.

As a last general rule of thumb, you should strive to shop at a Target that codes as a supermarket, as long as it’s not too far out of the way. In the next section, we’ll be showing you our recommendations for the best personal credit cards for shopping at Target.

Best Personal Cards

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Citi Strata Premier℠ Card

Welcome Offer

For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.

75,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$95

APR

20.49% to 28.49% Variable APR

Why We Like This Card

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
• $100 annual hotel benefit

Cons

• $95 annual fee

Read Full Review

Card Highlights

• For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
• Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
• Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
• Earn 1X point per $1 spent on all other purchases.
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card.
• No foreign transaction fees on purchases.

Financial Snapshot

• APR: 20.49% to 28.49% Variable APR
• Foreign Transaction Fees: None

Our favorite credit card for Target purchases is the Citi Strata Premier card. In our experience, Mastercard is very generous about categorizing Target locations as grocery stores and supermarkets, which is a huge boon.

To begin, this credit card offers an awesome bonus that is worth several years of the annual fee alone.

But you’ll find that this card is incredibly rewarding for numerous bonus categories:

• 3x ThankYou Points on supermarkets, restaurants, gas stations, EV charging stations, air travel, and hotels
• 1x ThankYou Points on all other purchases

In addition to these immense bonus categories, you’ll get an annual hotel savings benefit of $100 off a single hotel stay of $500 or more (excluding taxes and fees) through thankyou.com once per calendar year, World Elite Mastercard benefits, purchase protection, extended warranty coverage, and access to the Citi Concierge and Citi Entertainment.

There are also no foreign transaction fees with this contactless card and no additional fees for authorized users.

Why We Like Earning Citi ThankYou Rewards Points

As we mentioned, the Citi Strata Premier card earns ThankYou Points — moreover, this card has the ability to transfer points to a large list of travel partners.

But having the ability to earn 3x Citi ThankYou Points on a huge laundry list of useful bonus categories with a modest annual fee is incredible — Citi ThankYou Points are worth around 1.6 cents each, according to our valuations, which means that your 3x points are equivalent to a 4.8% return on spending.

You can easily increase the value you get by transferring your points to travel partners and booking luxury flights like Emirates first class or Cathay Pacific business class.

Target Circle™ Card

The Target Circle card is one of the best credit cards for big spenders at Target. And although you won’t get a return on spend that is higher than the card choices above, you will get the opportunity to earn a 5% discount on Target purchases, regardless of how different locations may have varying merchant category codes.

You will save 5% on most Target and Target.com purchases with the Target Circle card. It’ll also get you free 2-day delivery on most purchases, as well as an extended return policy.

Some exclusions of the 5% savings include:

• Alcohol purchases in Indiana
• Gift wrapping services
• Prescriptions, over-the-counter items located behind the pharmacy counter, and clinic services at Target
• Previous purchases
• Shipt membership fees
• Target credit account payments, Target Circle™ Debit Card cash-back and cash advances on the Target™ Mastercard, Target gift cards and prepaid cards, Game On, Gift of College, and lottery gift cards
• Target Optical eye exams and protection plans (Target Optical products, such as glasses and contact lenses, do receive the 5% discount)
• Taxes, shipping, delivery, handling, and all other fees or charges
• Wireless protection program purchases and deposits required by mobile carrier
• Where otherwise prohibited by law

There’s no annual fee for this card, and the Target Circle card applies the discount automatically at the time of purchase, instead of rewarding points or cash-back after your purchase.

However, this card has very high interest rates, doesn’t offer any travel benefits, and is strictly only usable at Target locations and Target.com (unless you are upgraded to the Target™ Mastercard that can be used anywhere Mastercard is accepted).

Citi Double Cash^® Card

Citi Double Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome Offer

Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash-back

Annual Fee

$0

APR

0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros & Cons

Pros

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

Cons

• No bonus categories
• 3% foreign transaction fees

Read Full Review

Card Highlights

• Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.49% to 28.49%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Citi Double Cash^® Card Travel Portal Special Offer
  Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel℠ portal via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 12/31/2025.

Financial Snapshot

• APR: 0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

Our next choice is the Double Cash card, which is actually one of the most potent rewards credit cards out there.

On the surface level, you might not think there’s anything particularly special about this card. You might think that the 2% cash-back you’d earn (1% at purchase and 1% when you pay, earned as ThankYou Points) might not be anything to write home about, but this card is special for a few reasons.

If you have a ThankYou Rewards credit card like the Citi Strata Premier card or the Citi Prestige^® Card, you can tap into the full list of Citi’s airline transfer partners.

Earning 2% on all purchases (with no caps) is unmatched for a no-annual-fee credit card.

The Double Cash card offers fraud alerts, zero liability for unauthorized purchases, and much more.

Chase Freedom Unlimited^®

INTRO OFFER

Chase Freedom Unlimited^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Up to $300 cash-back

Annual Fee

$0

APR

0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card is one of our favorite credit cards for everyday purchases. Why? Because you can earn a minimum of 1.5% cash-back on all purchases, regardless of the bonus category.

You can also convert your rewards to Ultimate Rewards points, which is one of the most valuable currencies in the world.

With the Freedom Unlimited card, you’ll earn:

• 5% cash-back on travel purchased through the Chase Travel portal
• 3% cash-back at restaurants and on drugstore purchases
• 1.5% cash-back on all other purchases

This credit card offers ancillary benefits like secondary car rental insurance, purchase protection, extended warranty, zero liability protection, fraud protection, and more.

But the most valuable benefit is that with an Ultimate Rewards credit card like the Chase Sapphire Preferred^® Card, Chase Sapphire Reserve^®, or Ink Business Preferred^® Credit Card, you can convert your cash-back to Ultimate Rewards points at a 1%-to-1x ratio.

Why We Like Earning Chase Ultimate Rewards Points

We love Chase Ultimate Rewards points because of how easy they are to earn and how versatile they are.

The best way to redeem your Chase Ultimate Rewards points is to transfer them to the Chase airline and hotel partners for business and first class flights and luxury hotels.

You can also redeem your Chase points for cash-back, Amazon purchases, gift cards, merchandise, and travel booked through the Chase travel portal. But the value you’d get with these redemptions is limited compared to the value you’d get with transfer partners.

Capital One Venture Rewards Credit Card

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$95

APR

19.99% - 29.74% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: 19.99% - 29.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One Venture card is known for offering excellent, straightforward rewards with the ability to transfer to travel partners, this card is continuing to grow in popularity.

This card offers an unlimited 2x Capital One miles on all non-bonus purchases. You’ll also get up to a $120 application fee credit for Global Entry or TSA PreCheck.

You’ll find great travel insurance benefits like lost luggage coverage, roadside dispatch, and travel assistance services. The card also comes with key credit card benefits like purchase protection, return protection, and no foreign transaction fees (rates & fees).

Why We Like Earning Capital One Miles

We are big fans of Capital One Miles. Although the miles aren’t quite as valuable at 1.8 cents each, they are still very valuable as one of the transferable rewards programs.

You can redeem Capital One miles for statement credits, travel purchases, experiences, gift cards, and more.

But without a doubt, the best way to use Capital One miles is to transfer them to partners for flights like Lufthansa first class. Depending on the partner, you’ll transfer your miles mostly at a 1:1 ratio and sometimes a 2:1.5 or 2:1 ratio.

Hot Tip: The best cards to use at Target may not be the best ones to use at other big-box stores. See our helpful guides on the best credit cards for shopping at Walmart, Sam’s Club, Costco, and home improvement stores.

American Express^® Gold Card

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90k points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card is one of the best cards you can have for daily spending, particularly for dining and supermarkets around the world. However, even though the Amex Gold card offers superb rewards, an awesome welcome bonus offer, and fantastic benefits overall, Target is specifically excluded as a bonus category, which means you’ll earn 1x Amex Membership Rewards points per dollar spent on Target purchases.

To start off, this card offers an excellent welcome bonus offer to accelerate the number of points you’ll earn in a flash.

But beyond that, the Amex Gold card earns:

• 4x Membership Rewards points per dollar spent at restaurants, including takeout and delivery in the U.S. (up to $50,000 in purchases per calendar year; after that, earn 1x)
• 4x Membership Rewards points per dollar spent at U.S. supermarkets (up to $25,000 in purchases per calendar year; after that, earn 1x)
• 3x Membership Rewards points per dollar spent on flights booked directly with the airline, as well as airfare booked through AmexTravel.com
• 1x Membership Rewards point per dollar spent on all other purchases

Beyond that, the Amex Gold card offers up to $120 in dining statement credits per year (up to $10 per month) at participating restaurants, including GrubHub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.

Also, enjoy up to $120 in Uber Cash per year for Uber Eats orders or Uber rides in the U.S. (up to $10 per month), up to $100 in Resy credit per year redeemable at any U.S. Resy restaurant and other eligible Resy purchases (up to $50 semi-annually), and up to $84 in Dunkin’ credit per year redeemable at U.S. Dunkin’ locations (up to $7 per month).

You’ll also get access to premium travel benefits like The Hotel Collection, which is a benefit program offering elevated travel perks when booking a 2-night stay at included properties, like a room upgrade at check-in (if available) and a $100 hotel credit.

Also, the Amex Gold card offers amazing benefits and protections, like the lowest hotel rate guarantee (for rates booked with AmexTravel.com), secondary car rental insurance, access to Amex Offers, a complimentary ShopRunner membership upon enrollment, and even access to the American Express Auto Purchasing Program.

Why We Like Earning Amex Membership Rewards Points

We love earning Amex Membership Rewards points because they’re the most valuable transferable currency out there.

Worth around 2.2 cents each, Amex Membership Rewards points can be used for cash-back, gift cards, travel bookings via AmexTravel.com, charitable donations, merchandise shopping, and more.

But if you look closely, the best way to get phenomenal value with your Amex points is to book luxury flights and hotels using the American Express transfer partners.

Blue Cash Everyday^® Card from American Express

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Everyday^® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Welcome Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

Annual Fee

$0

APR

18.49%-29.49% Variable,0% on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday^® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros & Cons

Pros

• 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.

Cons

• Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Read Full Review

Card Highlights

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.49% to 29.49% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday^® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday^® Card.
• Terms Apply.

Financial Snapshot

• APR: 18.49%-29.49% Variable,0% on purchases for 15 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

The Amex Blue Cash Everyday card is great for shopping at target.com. While it only earns 1% cash-back when you shop in-store, you’ll earn 3% cash-back at U.S. online retailers, like target.com on up to $6,000 in purchases each year.

Since most of us do a lot of our shopping online these days, this card makes it easy to rack up lots of cash-back rewards. Additionally, the Amex Blue Cash Everyday card also offers these benefits:

• 3% cash-back at U.S. supermarkets (up to $6,000 in purchases each year)
• 3% cash-back at U.S. gas stations (up to $6,000 in purchases each year)
• 1% on all other purchases
• Get $7 back each month after using your Card to spend $9.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.

Best Business Cards

What if you happen to shop at Target or Target.com a lot for your business? You’ll want to make sure you’re separating your business transactions from your personal purchases, so that’s when a business credit card can come in handy.

Let’s talk about our favorite business credit cards for shopping at Target.

The Blue Business^® Plus Credit Card from American Express

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome Offer

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 points

UP's Bonus Valuation*:

$330

Annual Fee

No annual fee

APR

17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-840)

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost

Cons

• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

• Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
• You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply.

Financial Snapshot

• APR: 17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

Our top business credit card choice for shopping at Target is the Amex Blue Business Plus card.

Offering 2x Membership Rewards points on everyday business purchases (up to $50,000 per calendar year), this is the most rewarding business credit card for Target purchases. After that, you’ll earn 1x points.

You will find a 0% introductory APR on purchases (as shown in the table above) that will help your business temporarily avoid interest payments on purchases.

This credit card is one of the only Amex cards that offers access to Membership Rewards with no annual fee. And with no-fee employee cards, and access to Amex Offers, this card is a no-brainer to have (see rates & fees).

Ink Business Unlimited^® Credit Card

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$750

UP's Bonus Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 17.99% - 23.99% thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.99% - 23.99% thereafter

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 17.99% - 23.99% thereafter

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 17.99% - 23.99% thereafter
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

The Ink Business Unlimited card is one of our favorite business credit cards because, in addition to the huge welcome bonus offer, you’ll find top-notch earning potential across all business purchases.

With this card, you will earn 1.5% cash-back on your business purchases with no caps.

This card is one of the few no-annual-fee cards that provide primary rental car insurance! Other benefits include no-fee employee cards, zero liability fraud protection, purchase protection, extended warranty, and more.

1.5% cash-back isn’t necessarily fantastic by itself, but this credit card’s rewards can be converted to Ultimate Rewards points if you have an Ultimate Rewards credit card like the Ink Business Preferred card at a 1%-to-1x ratio.

That means your 1.5% cash-back can be converted to 1.5x Ultimate Rewards points, which is worth a 3% return on spend.

The American Express Blue Business Cash™ Card

Terms Apply / Rates & Fees

The American Express Blue Business Cash™ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Learn More(at Amex's secure site)

The American Express Blue Business Cash™ Card

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Welcome Offer

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

$250

Annual Fee

No annual fee

APR

17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros & Cons

Pros

• 2% cash-back on up to $50,000 in spend, then 1% back thereafter
• No annual fee
• Travel and purchase protection

Cons

• Not ideal for those who spend a lot on a specific category like groceries or gas

Read Full Review

Card Highlights

• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
• The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply

Financial Snapshot

• APR: 17.74% - 25.74% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

The Amex Blue Business Cash card is an impressive straightforward business credit card with an emphasis on cash-back rewards. So if you find yourself needing cash-back for your business purchases made at Target, this card is a great fit for you.

There isn’t any need to pay attention to bonus categories because you’ll earn 2% cash-back on all eligible purchases (up to $50,000 per calendar year). After that, you’ll earn 1% cash-back.

One of the biggest benefits of this credit card is that the rewards are totally automated — all cash-back earned is credited onto each statement so that you don’t need to worry about redeeming your cash-back.

U.S. Bank Business Leverage^® Visa Signature^® Card

Our very last credit card is the U.S. Bank Business Leverage card, which comes with the ability to earn 2% cash-back in the top 2 categories where you spend the most each month.

These rewards are automatic, so they’re adjusted based on your spending habits, which can change from month to month.

The bonus earnings are uncapped, and there are a total of 48 categories, including discount stores and wholesale clubs and grocery stores and supermarkets.

Both merchant category codes 5411 and 5310 are covered under the definitions in the bolded categories above, which means that all of your Target purchases should earn 2x points.

Other benefits include no-fee employee cards and no foreign transaction fees.

Final Thoughts

Target is one of those retailers that could be thought of as a wholesale club or a grocery store, depending on how you look at it. But in the eyes of credit card processing companies, they will almost always be categorized under 1 of 2 merchant category codes (which vary by location):

• 5310 — discount stores, wholesale clubs, and warehouses
• 5411 — grocery stores, supermarkets, and bakeries

If your local Target falls under MCC 5411, you can use a card like the Citi Strata Premier card.

However, if your Target falls under MCC 5310, you’ll want to use a solid everyday spending card like the Double Cash card, Freedom Unlimited card, or Capital One Venture card. For any target.com purchases, the Amex Blue Cash Everyday card would be a solid choice.

If you’re strictly looking for discounts at Target and no other benefits, the Target Circle card might work for you.

For business credit cards, we’d recommend the Amex Blue Business Plus card, the Ink Business Unlimited card, the Amex Blue Business Cash card, or the U.S. Bank Business Leverage card.

Whatever the case, there are numerous credit cards that will help you accumulate lots of rewards, whether you’re looking for points or cash-back.

For Capital One products listed on this page, some of the benefits may be provided by Visa^® or Mastercard^® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding the Target Circle™ Card, Target™ Mastercard, and U.S. Bank Business Leverage^® Visa Signature^® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.