Target Corporation’s Circle Card program is a leading loyalty program among retailers in the United States. The program is avaiꦯlable to everyone and is integrated seamlessly ꧋into customers' payment methods.

With lower barriers to entry than other loyalty programs, the Circle🃏 Card program is one way that Target tries to build a relationship with its customers. Through the program, Target can personalize the promotions and advertising it offers the consumer.

The Circle Card comes in four forms: a store credit card, a Mastercard credit card, a store de🔯bit card, and a reloadable Visa card:

• The store credit card can only be used to shop at Target.
• Shoppers can use the Mastercard credit card at Target and anywhere else that Mastercard is accepted. It offers additional rewards on some purchases outside of Target.
• The store debit card can only be used to shop at Target and is linked to customers' existing checking accounts.
• The reloadable card can be used at Target and anywhere else that Visa is accepted.

Features of the Target Circle Card

All Target Circle Cards offer 5% off purchases every day at in-store and online locations and free two-day shipping on most items. Users also have an extended return facility giving them 30 extra days to return products to Target or Target.com.

However, Circle Card extended returns do not a💯pply to the following:

• Target Optical purchases
• Non-returnable items
• Contract mobile phones
• Online purchases of 澳洲幸运5官方开奖结果体彩网:Supplemental Nutrition As⛦sistance Program (SNAP)-eligible items using both Electronic Benefits Transfer (EBT) and a Circle Card for payment.

The Target Circle Card has a late payment fee of up to $41 and a returned payment fee of up to $30. 

Customers looking to combine the benefits of the Circle Card with a traditional credit card can a꧑pply for the Mastercard Circle Card, issued by TD Bank, USA.

What's in It for Target?

Most companies use loyalty programs to build loyalty for their brands but also to collect customer data. Target’s program does the sa꧅me, and its data colle🎃ction system is thorough.

It tracks every purchase, email, or phone call. 𒊎T𓂃he data it collects is applied to algorithms for marketing and planning purposes. In turn, the company then personalizes deals and discounts for its individual card-holding shoppers.

How to Get a Target Circle Card

You can get a Target Circle Card by applying online at the Target.com website or at a Target store.

You must verify your employment and income and review the terms.

You may be approved to shop online immediately. Or you may have to wait for se𒆙veral days to get your card, depending on whether Target approves you automatically.

The website isn't 100% clear on how long it takes to be approved for a Circle Card if you are not automatically approved. If you are not approved, it may be due to red flags on your credit report or a low 澳洲幸运5官方开奖结果体彩网:credit score.

As with any credit card, you have to meet certain requirements for approval. If you apply and are not automatically approved, you may get a notice that your file is "in review."

The Bottom Line

Target's Circle Card can be used for both in-store and online ordering for user convenience. The Target Circle Card program is appealing to regular Target shoppers because it provides generous discounts and community donations.

However, if you use the Circle Card credit card, be aware of the high interest rate and the late payment fees, which could cause your debt to mount if you don't pay the balance off each month.