Which Target Circle membership has best perks, benefits and savings
Members get exclusive access to shop the best Target deals!
- Target Circle is a free loyalty program offering personalized deals and a 5% birthday discount.
- Target Circle 360 is a paid membership offering free delivery and extended returns.
- The Target Circle Card (formerly RedCard) offers 5% back on purchases and other perks.
Saving as much money as possible has become a huge priority for many, and fortunately, Target offers numerous ways to save on everyday shopping trips. Shoppers can take advantage of deals at major saving events—including the upcoming Target Black Friday sale—earn rewards through their free loyalty program, Target Circle or opt for enhanced benefits with the paid membership, Target Circle 360.
So, what's the difference between Target Circle and Target Circle 360? Each of Target's rewards programs have its own set of perks and benefits that can help you save on everything from groceries and clothing to major gift shopping during the holiday season.
Additionally, Target frequently offers extra savings events throughout the year exclusively for all Target Circle members, whether free or paid.
With Black Friday and Cyber Monday 2025 coming up, we've outlined everything you need to know about each Target Circle membership and how to score the best savings for you and your family ahead of the holiday shopping season.
- What is Target Circle?
- How do I use my Target Circle membership offers at checkout?
- What are the perks of a free Target Circle membership?
- What is Target Circle 360?
- What are the perks of a Target Circle 360 membership?
- What is a Target Circle Card?
✔️ What is Target Circle?
Target Circle is Target's loyalty program that offers member savings and rewards on purchases and it's completely free to join! Using your Target Circle account has never been easier. All your deals, coupons and offers are digitally loaded and automatically apply at checkout for both online and in-store purchases.
How do I use my Target Circle membership offers at checkout?
To use your Target Circle membership in-store at checkout, simply enter in your mobile phone number associated with your Target account on the keypad at checkout or on the self-check out screen. Or, you can opt to scan your Target Circle barcode, which is found in the Wallet tab in the Target app, or on the Target.com/Circle/dashboard.
When shopping online, be sure you are signed into your Target.com account or are using the Target app to score any deals or Target Circle Rewards.
What are the perks of a free Target Circle membership?
As a Target Circle member, you'll enjoy benefits like personalized deals, coupons and offers based on your shopping history. Plus, you'll also score a 5% birthday discount every year.
You will also have the opportunity to participate in exclusive deals and shopping events, such as the Target Circle Week shopping event. Then, during the holiday shopping season, Target Circle members have access to Target's Deal of the Day specials each day in December (you will find them in the Target app).
Shopping tip: if you're a Target Circle Card holder (formally Target RedCard), Target Circle shoppers can earn 5% back on your spending. Being a Target Circle Card holder has many other perks but this one is our favorite.
✔️ What is Target Circle 360?
Target Circle 360 is a paid membership that expands on Target's free-to-join Circle membership. This paid membership costs $99 per year or $10.99 per month. However, if you're already a Target Circle Card (formerly Target RedCard), this paid membership will only cost you $49. That's an easy 50% savings!
What are the perks of a Target Circle 360 membership?
Target Circle 360 comes with many great benefits including:
- Unlimited same-day delivery on orders of $35 or more through Shipt. Many same-day deliveries even arrive within one hour (depending on your location)!
- Free two-day shipping on all other eligible items
- Additional 30 days to return purchases beyond the standard 90-day return policy
If you'd like to give this paid membership a try but aren't sure if this would be worthwhile for your household, Target does offer a free 14-day trial. Plus, you may also be able to score an additional 50% off this membership cost if you're a verified college student or are a government assistance recipient.
✔️ What is a Target Circle Card?
Target debuted a new credit card, the Target Circle Card, to replace its Target RedCard. This card is now available as a Credit card, Debit card or Reloadable card, making it a convenient option for any budget. Even sweeter, when you sign up and are approved for a new Target Circle Card, you'll also score a $50 Target Circle Reward when you spend your first $50 within 60 days. That initial purchase will pay for itself.
In addition, as a Target Circle Card holder, you will also earn 5% on your purchases, score free 2-day shipping on eligible purchases and 50% off the purchase of a Target Circle 360 membership.
Our team of savvy editors independently handpicks all recommendations. If you purchase through our links, the USA Today Network may earn a commission. Prices were accurate at the time of publication but may change.