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Target Rewards Guide

16 data points

Top 5 Credit Cards by Earning Rate at Target

U.S. BankShopper Cash Rewards Visa Signature
6% cash backWith Bonus Earning
Bank of AmericaCustomized Cash Rewards
5.25% cash backWith Bonus Earning
BancorpPayPal Debit Card
5% cash backWith Bonus Earning
CitiCustom Cash
5% cash backWith Bonus Earning
CardlessBilt Obsidian Card
3X points
Department StoresRetail

Date

2026-07-20fromFlyerTalkFlyerTalk

Giftcard Purchased

3rd Party

Purchase Type

🌐

Online Purchase

https://www.target.com

Reward Details

Amount

Earning Rate

100 USD2X

Rewards

200 ThankYou Points

Online ShoppingRetail

Date

2026-02-25

Giftcard Purchased

Target

Purchase Type

🌐

Online Purchase

https://www.target.com

Reward Details

Amount

Earning Rate

500 USD2X

Rewards

1000 ThankYou Points

Other Purchases

Date

2026-02-20

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1% Cash Back

Rewards

1 USD

Grocery

Date

2026-02-09fromRedditReddit

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

9 USD3X

Rewards

27 Bilt Points

Department StoreRetail

Date

2026-01-23

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

3.88 USD2.06X

Rewards

8 ThankYou Points

Grocery

Date

2026-01-20fromRedditReddit

Giftcard Purchased

Airbnb

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Retailer

Date

2026-01-15

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.target.com/

Reward Details

Amount

Earning Rate

100 USD6% Cash Back (With Bonus Earning)

Rewards

6 USD

Retailer

Date

2026-01-15

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD6% Cash Back (With Bonus Earning)

Rewards

6 USD

Online Shopping

Date

2026-01-02fromRedditReddit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Retail

Date

2025-09-24

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

200 USD1% Cash Back

Rewards

2000 Shop Your Way Points

Retail

Date

2025-09-24

Giftcard Purchased

Uber

Purchase Type

🌐

Online Purchase

https://www.target.com

Reward Details

Amount

Earning Rate

200 USD1% Cash Back

Rewards

2000 Shop Your Way Points

Groceries

Bank & Card

Date

2025-09-13fromRedditReddit

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

https://www.target.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Discount Stores

Date

2025-09-10

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

23.64 USD2X

Rewards

47.28 Marriott Bonvoy Points

Discount StoresRetail

Date

2025-08-06

Giftcard Purchased

Target

Purchase Type

🌐

Online Purchase

https://www.target.com

Reward Details

Amount

Earning Rate

800 USD1% Cash Back

Rewards

8000 Shop Your Way Points

Online Shopping

Date

2025-07-10fromRedditReddit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.target.com/

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Supercenter

Date

2025-06-05

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points


Quick Rewards Guide for Target

💡 Top Performing Card: The community-verified best credit card for Target purchases is the U.S. Bank Shopper Cash Rewards Visa Signature. Transactions on this card consistently earn 6% cash back (With Bonus Earning) by coding in the "Retailer" category.

🔍 Merchant Category Coding (MCC): Target transactions most frequently code as "Retail, Department Stores" (or sometimes "Online Shopping, Retail / Other Purchases / Grocery / Department Store, Retail / Retailer / Online Shopping / Retail / Groceries / Discount Stores / Discount Stores, Retail / Supercenter"). Ensure your chosen card offers high multiplier rewards for this category to maximize your cash back or travel points.

💳 Maximize Online & App Bookings: For online or mobile app purchases at Target, checkout options like PayPal, Apple Pay, or purchasing digital gift cards can sometimes trigger alternative bonus categories (like 5% quarterly rotating categories) that outperform standard card multipliers.

Frequently Asked Questions

Q:What category does Target code as on credit cards?

Based on community data points, Target transactions primarily code under the "Retail, Department Stores" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.

Q:Which credit card is best to use at Target?

The U.S. Bank Shopper Cash Rewards Visa Signature is highly recommended, as it has been verified to earn 6% cash back (With Bonus Earning) on Target. Any card offering 3% or more cash back (or 3x points) on "Retail, Department Stores" purchases will also deliver excellent value.

Q:Does Target code differently depending on the card network?

Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Target usually codes as "Retail, Department Stores" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.