Target Overhauls Loyalty Program with New Target Circle Perks and Paid Membership

Target has revamped its loyalty program under the Target Circle umbrella, automatically applying deals and earning rewards.

The Target RedCard debit and credit cards are now called the Target Circle Card, still offering 5% off purchases.

Target Circle 360 is a new $49 annual membership with same-day delivery, extra return time, and other benefits.

The Target Circle Card credit card earns 2% back on dining and gas and 1% back on other purchases.

While tempting for Target shoppers, other cards may offer higher cash back rates overall.