Whether or not you are buying groceries, cleansing provides, electronics or something in between, there is a good probability you do a few of your buying at Goal.
And for those who’re spending a major quantity there, you may need to ensure you’re utilizing a bank card that maximizes your purchases from the shop. With the precise card, you possibly can earn money again that goes into your pocket, or factors which you can put towards that journey you have been dreaming about.
As a superstore with a big number of merchandise, most Goal places code as common spending, so the very best card for conventional grocery shops or wholesale golf equipment might not essentially be the very best card to make use of at Goal. Nonetheless, that does not imply you possibly can’t nonetheless earn additional rewards or save money in your Goal purchases.
Listed below are the highest bank cards that may make it easier to maximize your Goal purchases with reductions or bonus factors.
Overview of the very best bank cards for Goal purchases
First, a fast observe: A small variety of Targets are thought of “grocery shops” which implies at these places, you may earn factors based mostly on the grocery class. Your finest guess is perhaps to make a small buy and examine your assertion to see how the acquisition was “coded.” In case your Goal is taken into account a grocery retailer, try the finest playing cards for groceries.
For everybody else, listed below are the very best playing cards to make use of in your Goal runs:
The data for the Uncover it Money Again and the Goal Circle Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
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Evaluating the very best bank cards for goal purchases
| Card | Welcome Bonus | Annual payment | Incomes charges |
|---|---|---|---|
| Capital One Enterprise X | Earn 75,000 bonus miles after spending $4,000 inside the first three months of account opening. | $395 | 10 miles per greenback spent on accommodations and automobile leases booked by the Capital One journey portal; 5 miles per greenback spent on flights and trip leases booked by the Capital One journey portal; 2 miles per greenback spent on all different eligible purchases |
| Capital One Enterprise Rewards | Earn 75,000 bonus miles after spending $4,000 inside the first three months of account opening. | $95 | 5 miles per greenback spent on accommodations, trip leases, and automobile leases booked by the Capital One journey portal; 2 miles per greenback spent on all different eligible purchases |
| Goal Circle Card | Get a $50 coupon for a purchase order over $50 upon approval. | $0 | 5% financial savings on qualifying purchases at Goal |
| Uncover it Money Again | Uncover will match your first yr’s money again. | $0 | 5% money again on rotating quarterly bonus classes on the primary $1,500 in purchases every quarter you activate (as much as $75 again per quarter); 1% limitless money again on all purchases |
| Blue Money Most popular Card from American Specific | Earn a $250 assertion credit score after spending $3,000 in purchases in your new card inside the first six months of card membership. | $0 intro annual payment for the primary yr, then $95 (see charges and costs) | 6% money again up on as much as $6,000 in purchases per calendar yr at U.S. supermarkets; 6% money again on choose U.S. streaming companies; 3% money again on transit and U.S. gasoline stations; 1% money again on every thing else. Money again is obtained within the type of Reward {Dollars} that may be redeemed as a press release credit score or at Amazon.com checkout. |
| American Specific Gold Card | Earn 60,000 Membership Rewards factors after spending $6,000 on eligible purchases together with your new card inside the first six months of card membership. | $325 (see charges and costs) | 4 factors per greenback spent at U.S. supermarkets (as much as $25,000 in purchases per yr, then 1 level per greenback); 4 factors per greenback spent on eating places (on as much as $50,000 in purchases per calendar yr, then 1 level per greenback); 3 factors per greenback spent on flights booked instantly with airways or by AmexTravel.com; 2 factors per greenback spent on pay as you go accommodations and different eligible purchases booked on AmexTravel.com; 1 level per greenback spent on every thing else |
| Chase Freedom Flex |
Earn $200 money again after spending $500 on purchases within the first three months from account opening. | $0 | 5% on quarterly classes (as much as $1,500 mixed spending, activation required) and on journey bought by Chase Journey℠; 3% again on drugstore purchases and on eating purchases; 1% on all different purchases |
| Chase Freedom Limitless | Earn a further 1.5% on all purchases as much as $20,000 spent within the first yr. | $0 | 5% money again on Lyft rides by March 2025; 5% on Chase Journey; 3% again on drugstore purchases and on eating purchases; 1.5% money again on different purchases |
Greatest bank cards for Goal purchases
Capital One Enterprise X
Annual payment: $395
Signal-up bonus: Earn 75,000 bonus miles after spending $4,000 inside the first three months of account opening. This bonus is price $1,388 in accordance with TPG’s January 2025 valuations.
Incomes charge: Earn 10 miles per greenback spent on accommodations and automobile leases booked by the Capital One journey portal, 5 miles per greenback spent on flights and trip leases booked by the Capital One journey portal, and a pair of miles per greenback spent on all different eligible purchases.
Why we prefer it: Though the Capital One Enterprise X has the best annual payment of any card on this listing, it comes with an in depth vary of advantages which can be helpful for frequent vacationers. You will get a $300 annual credit score towards journey purchases made by the Capital One journey portal, bringing down the efficient annual value to only $95 per yr. Not solely that, however you may get a ten,000-mile bonus each account anniversary, complimentary entry to the Capital One lounges and Precedence Cross lounges for you and as much as two visitors, as much as $120 in assertion credit towards World Entry or TSA Precheck and rather more.
Goal customers additionally win when paying with the Enterprise X, since you may earn 2 miles per greenback on all eligible purchases. TPG’s January 2025 valuations peg Capital One miles at 1.85 cents every, so that you’re an efficient 3.7% return whether or not you are shopping for groceries or furnishings at Goal.
For extra particulars, try our full assessment of the Enterprise X.
Study extra: Capital One Enterprise X
Capital One Enterprise Rewards
Annual payment: $95
Signal-up bonus: Earn 75,000 bonus miles after spending $4,000 inside the first three months of account opening. TPG’s January 2025 valuations peg Capital One miles at 1.85 cents per mile, making this bonus price $1,388.
Incomes charges: Earn 5 miles per greenback on accommodations, trip leases and automobile leases booked by the Capital One journey portal and a pair of miles per greenback on all different eligible purchases.
Why we prefer it: The Capital One Enterprise Rewards could also be higher suited than its premium counterpart for Goal customers who cannot justify paying tons of of {dollars} in annual charges.
Plus, you are still incomes the identical 2 miles per greenback spent charge on all eligible purchases — together with at Goal — however for simply $95 per yr. You will obtain an as much as $120 assertion credit score towards your World Entry or TSA PreCheck utility.
For extra particulars, try our full assessment of the Enterprise card.
Study extra: Capital One Enterprise Rewards
Goal Circle Card
Annual payment: $0
Signal-up bonus: Get a $50 coupon for a purchase order over $50 upon approval.
Incomes charges: Get a 5% low cost on all eligible Goal purchases.
Why we prefer it: In contrast to different playing cards on this listing, this card gives an instantaneous low cost on purchases. A 5% low cost on Goal purchases, each in-store and on-line, can prevent a reasonably penny. Plus, cardholders get 5% off at Starbucks places inside Goal.
Different advantages embody a ten% low cost coupon each account anniversary, 30 additional days for returns and free transport on most Goal on-line purchases with out having to satisfy the standard $35 minimal.
The Circle Card is obtainable as both a debit or bank card. The debit model can typically make extra sense, because it will not add to your 5/24 depend with Chase.
For extra particulars, try our full assessment of the Goal Circle Card.
Uncover it Money Again
Annual payment: $0
Signal-up bonus: Uncover will match your first yr’s money again.
Incomes charges: Earn 5% money again on as much as $1,500 in eligible spending in rotating quarterly classes after activation and limitless 1% money again on all different purchases.
Why we prefer it: The Uncover it is a rotating class card, providing 5% money again on as much as $1,500 in purchases made in accordance with Uncover’s cash-back calendar (activation required). These classes range all year long, from gasoline stations to wholesale golf equipment, and have included Goal previously.
When Goal.com just isn’t part of the quarterly money again bonus class, your purchases will solely earn 1% again. For the reason that card would not cost an annual payment, it will not harm to maintain it in your pockets all year long, although.
The cardboard is comparatively simple to be accepted for. Since this can be a cash-back card, the redemption course of is simple, with no minimal quantity required for redemption. However consider you must activate the brand new classes every quarter through Uncover’s web site.
For extra particulars, try our full assessment of the Uncover it money again card.
Blue Money Most popular Card from American Specific
Annual payment: $0 introductory annual payment for one yr, then $95 (see charges and costs)
Welcome bonus: Earn a $250 assertion credit score after you spend $3,000 in purchases in your new card inside the first six months of card membership.
Incomes charges: Earn 6% money again at U.S. supermarkets (on as much as $6,000 per calendar yr in purchases — then 1%) and choose U.S. streaming companies, 3% money again at U.S. gasoline stations, 3% money again on transit and 1% again on different purchases. Money again is obtained within the type of Reward {Dollars} that may be redeemed as a press release credit score or at Amazon.com checkout.
Why we prefer it: The Blue Money Most popular gives sturdy earnings in lots of fashionable spending classes, together with U.S. supermarkets. Whereas some banks code choose Goal shops as grocery shops, most don’t.
To ensure you’re incomes 6% again in your Goal purchases, you may need to buy Goal reward playing cards from conventional U.S. grocery shops. Then, you should utilize these reward playing cards to pay for Goal purchases.
Goal reward playing cards will be bought at many grocery shops, together with Kroger and Safeway places. Many Amex playing cards have restrictions in opposition to incomes factors on reward card purchases, however stories counsel that this is not strictly enforced, so proceed at your individual danger.
For extra particulars, try our full assessment of the Amex Blue Money Most popular.
Apply right here: Blue Money Most popular Card from American Specific
American Specific Gold Card
Annual payment: $325 (see charges and costs)
Welcome bonus: Earn 60,000 Membership Rewards factors after you spend $6,000 on eligible purchases together with your new card inside the first six months of card membership. Remember to examine the CardMatch Device to see for those who’re focused for the next welcome supply (the focused supply is topic to alter at any time). This bonus is price $1,200, in accordance with TPG’s January 2025 valuations.
Incomes charges: Earn 4 factors per greenback spent at U.S. supermarkets on as much as $25,000 in purchases per calendar yr in purchases (then 1 level per greenback) and at eating places worldwide (on as much as $50,000 in purchases per calendar yr, then 1 level per greenback), 3 factors per greenback spent on flights booked instantly with airways or on AmexTravel.com, 2 factors per greenback spent on pay as you go accommodations and different eligible purchases booked on AmexTravel.com and 1 level per greenback spent on different purchases.
Why we prefer it: The Membership Rewards factors you earn with the Amex Gold are absolutely transferable, so you will get some nice worth from them when redeeming for flight or resort bookings. Just like the Blue Money Most popular Card, the bonus on grocery store spending doesn’t prolong to superstores like Goal, so to earn 4 factors per greenback in your Goal purchases, you may need to buy Goal reward playing cards from a standard U.S. grocery retailer.
Along with the improved incomes charges at U.S. supermarkets and eating places, this card gives excessive returns on airfare. You will additionally earn as much as $10 in assertion credit month-to-month (as much as $120 yearly) if you pay together with your card at taking part associate eating places, as much as $7 month-to-month in Dunkin’ assertion credit and as much as $100 ($50 bi-annually) in Resy assertion credit annually. Enrollment required.
Moreover, Amex Gold cardholders get as much as $120 in annual Uber Money, distributed as as much as $10 credit per thirty days. Uber Money will solely be deposited into one Uber account if you add the Amex Gold as a cost methodology and redeem with any Amex card. Enrollment is required.
For extra particulars, try our full assessment of the Amex Gold Card.
Apply right here: American Specific Gold Card
Chase Freedom Flex
Annual payment: $0
Welcome bonus: Earn $200 money again after you spend $500 on purchases within the first three months of opening an account.
Incomes charges: 5% money again on rotating quarterly classes (as much as the primary $1,500 in mixed purchases, activation required), Lyft rides by March 2025 and on Chase Journey bookings, 3% again at drugstores and on eating and 1% money again on different purchases.
Why we prefer it: In early 2023, Goal was one of many 5% classes on this card, making this a superb selection to maximise earnings in your Goal purchases. And even when it isn’t one of many 5% quarterly classes, you possibly can often purchase Goal reward playing cards from a retailer within the bonus class, comparable to grocery or workplace provide shops, after which maximize your Goal spending that approach.
Nonetheless, the place this may supply some excellent worth is if you pair this card with a premium card just like the Chase Sapphire Reserve® or Chase Sapphire Most popular® Card. That is as a result of Chase permits you to mix the awards in your completely different accounts, successfully changing your cash-back rewards into full-fledged transferable Final Rewards factors and supplying you with entry to some implausible award choices.
For extra particulars, try our full assessment of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Chase Freedom Limitless
Annual payment: $0
Welcome bonus: Earn a further 1.5% on all purchases as much as $20,000 spent within the first yr.
Incomes charges: 5% money again on Lyft rides by March 2025 and on journey bookings made with Chase Journey, 3% again at drugstores and on eating, and 1.5% money again on different purchases.
Why we prefer it: The Chase Freedom Limitless is good for purchases that usually do not fall into the bonus classes supplied by different playing cards, comparable to Goal purchases, because it earns a flat 1.5% again on these.
Once more, you possibly can maximize your earnings by pairing this card with a premium card just like the Chase Sapphire Reserve or Chase Sapphire Most popular Card. Primarily based on TPG’s January 2025 valuations, this mix permits you to earn an efficient 3% return in your Goal purchases.
For extra particulars, try our full assessment of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Backside line
For those who’re an everyday Goal shopper, use one of many above playing cards to maximise your purchases. And, it doesn’t matter what card you utilize, at all times click on by your favourite buying portal if you purchase on-line and join the Goal Circle rewards program to stack your earnings.
For charges and costs of the Amex Gold Card, click on right here.
For charges and costs of the Blue Money Most popular Card, click on right here.
