3 Reasons I Love My Target Circle Credit Card

I'm a big fan of using rewards credit cards. While I typically gravitate toward credit cards that offer dining and travel rewards, I recently opened a Target Circle™️ Card. While I don't usually spring for a store credit card, I couldn't pass up the benefits of this card. It's a solid credit card choice for Target loyalists.

Are you thinking of adding this rewards credit card to your wallet? I'll share a few reasons why I love my Target Circle™️ Card.

1. 5% discount on Target purchases

Since I live within a couple of miles of a Target store, I shop there more often than I care to admit. It's convenient because I don't have to drive far to pick up last-minute essentials, and shopping at Target fits my budget.

I make sure to use my Target Circle™️ Card at checkout to get an even better deal. Why? My Target Circle™️ Card provides a 5% discount on eligible Target purchases made in-store and online. The discount is automatically applied to my order total.

Saving 5% every time I buy household essentials and goods is a win for my wallet. It's like always having a coupon code without using one of the best coupon apps to get a deal on my order. The savings add up quickly when you're a frequent shopper like I am.

To get this discount when using your card, you must be a member of Target's loyalty program, Target Circle Rewards. It's completely free to join, and you can take advantage of members-exclusive deals and coupons that allow you to save even more money.

2. Free, fast shipping with no order minimum

Like many other online retailers, Target has a minimum order threshold that must be met for shoppers to qualify for free, two-day shipping when ordering online. You must place an order of $35 or more to avoid shipping charges.

But this threshold doesn't apply to those with the Target Circle™️ Card. When using this card to pay for my online Target hauls, I get free, fast shipping no matter the order total. This credit card perk has made my life easier. I don't have to worry about paying expensive shopping charges when ordering only one or two items that I need to arrive quickly.

3. No-rush returns

Another benefit of this credit card is no-rush returns. Shoppers with the Target Circle™️ Card get an additional 30 days to return most items purchased from Target. This lengthier return window applies to online and in-store purchases. Life gets busy, so knowing I don't have to rush to return a purchase that didn't work out is a plus.

Look for credit cards with benefits that improve your life

It can be worthwhile to get a discount or earn valuable rewards on eligible purchases made with a credit card. But you can also benefit from other included perks, so explore those if you're looking for a new card to add to your wallet. Getting free shipping and an extended return period are two examples of how credit card perks can add value to your life.

Check out our list of the best credit cards to review our top credit card picks.