Best Credit Card for Target in 2026
We ranked major rewards cards by the rates and caveats we track for Target. The top listed option shows up to 5% — review the notes before relying on it.
8 cards earning 2%+ at Target · sorted by highest cash back · updated Q2 2026
Rankings use issuer/product-page reward terms where available. Rotating categories, legacy cards, and needs-review cards are labeled separately so old or uncertain offers do not look like normal applyable recommendations.
Why #1: Strong current match: earns up to 5% discount at Target, subject to the issuer's caps, exclusions, and redemption terms. No annual fee required.
Why #2: Solid up-to-3% cash back option at Target. No annual fee — easy to hold long-term.
Why #3: Solid up-to-3% cash back option at Target. No annual fee — easy to hold long-term.
Why #4: Earns 2.5% cash back on purchases including Target. A reliable flat-rate option when category bonuses do not apply.
Why #5: Earns 2% cash back on purchases including Target. A reliable flat-rate option when category bonuses do not apply.
Why #6: Earns 2% cash back on purchases including Target. A reliable flat-rate option when category bonuses do not apply.
Why #7: Earns 2% cash back on purchases including Target. A reliable flat-rate option when category bonuses do not apply.
Why #8: Earns 2% cash back on purchases including Target. A reliable flat-rate option when category bonuses do not apply.
Frequently Asked Questions
What is the best credit card to use at Target?
The top listed card at Target right now is the Target RedCard™ Credit Card, showing up to 5% discount. 5% discount at checkout on eligible Target in-store & Target.com purchases
Does any credit card offer more than 2% at Target?
Yes — the Target RedCard™ Credit Card at 5%, the Blue Cash Everyday® Card from Amex at 3%, the Robinhood Gold Card at 3% all earn above 2% at Target.
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Search All Stores →Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.