Goal Circle Card bank card overview
The Goal Circle™ Mastercard is a strong retailer card. It includes a 5% low cost on Goal and Goal.com purchases, 2% again on eating and fuel station purchases and 1% again on all the pieces else. It is a robust contender for many who spend large at Goal — however not elsewhere. Card score*: ⭐⭐½
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
With all the pieces from garments and electronics to diapers and groceries, buying at Goal is as near one-stop buying as doable. If you happen to spend a lot of your finances right here, you possibly can profit from the financial savings and advantages the Goal Circle card bank card provides.
The Circle card has no annual price, and TPG recommends a credit score rating of 690 or increased for the perfect likelihood of approval.
Let’s break down the Goal Circle Mastercard’s perks and incomes construction that can assist you resolve if it is a good match for you.
The knowledge for the Goal Circle Mastercard 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.
Associated: The whole lot you want to find out about Goal Circle
Goal Circle Card professionals and cons
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Goal Circle Card welcome supply
The Goal Circle card provides a good welcome supply for a retailer card. After approval, you may get a coupon within the mail for $50 off a qualifying buy of greater than $50. When you obtain the coupon, it’s essential to add it to the Goal app and redeem it inside 30 days.
Sadly, this coupon has an extended listing of exclusions — together with Apple merchandise, dairy milk, Dyson, reward playing cards, limited-time designer partnerships, PlayStation merchandise and extra. Nonetheless, this welcome supply would not have a spending requirement, so you will get worth from it with minimal effort.
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Goal Circle Card advantages
As a Goal Circle cardholder, you may get free two-day transport on on-line Goal orders, an extra 30 days for Goal returns and exchanges and entry to Circle card unique particular provides and gadgets.
Cardholders may also get pleasure from a 5% low cost at in-store Starbucks and on sure companies. Plus, you may obtain a 5% low cost on specialty reward playing cards, drive-up orders and same-day supply.
Associated: Bank card perks and advantages you need to be utilizing
Incomes rewards on the Goal Circle Card
The Circle card’s incomes construction is totally different from most reward playing cards.
As a substitute of incomes factors or cash-back rewards at Goal, this card’s most beneficial profit is a 5% financial savings on most in-store and on-line Goal purchases (exceptions apply, corresponding to prescriptions and sure reward playing cards). This construction is very nice for anybody who would not need to sustain with incomes rewards since these financial savings are computerized.
Other than the low cost on Goal purchases, you may earn 2% money again on eating and fuel purchases and 1% on all different purchases exterior of Goal, permitting you to earn rewards all over the place you spend.
Notice that there’s additionally a model of the Goal Circle card that could be a reloadable Visa and would not earn rewards on purchases exterior of Goal.
Associated: Maximize your earnings this 12 months
Redeeming rewards on the Goal Circle Card
You will get a 5% computerized low cost on most purchases when buying in-store or on-line with Goal.
Nonetheless, spending elsewhere is extra difficult. You could first earn not less than $10 in rewards. To redeem them, you may want to go surfing or name to request an digital or bodily reward card to make use of at Goal. It is a extra difficult course of than most different cash-back playing cards, which supply assertion credit as the best methodology to redeem rewards.
Goal states that in case your account is closed for any cause, you should have 135 days from the date the account was closed to redeem your rewards. Except for this circumstance, rewards don’t expire.
Associated: What’s a rewards bank card and the way does it work?
What playing cards compete with the Goal Circle Card?
If you happen to do not spend the vast majority of your finances at Goal, it’s best to think about a special card.
- If you’d like strong earnings on all of your purchases: The Citi Double Money® Card (see charges and charges) earns 2% again on all purchases (1% while you make a purchase order, 1% while you pay it off). With it, you will not have to fret about whether or not you are buying on the proper place to get your greatest earnings. To study extra, try our full evaluate of the Citi Double Money.
- If you happen to spend extra of your finances at Amazon than at Goal: The Prime Visa has an analogous incomes construction because the Goal Circle card, incomes 5% again on Amazon, Entire Meals Market and Chase Journey℠ purchases, 2% again at eating places, fuel stations, native transit and commuting (together with ride-hailing) and 1% again on all different purchases. Prime Visa cardholders may also earn 10% or extra on a rotating collection of gadgets and classes on Amazon.com. Whereas it would not carry an annual price, you have to be an Amazon Prime member to get this card. To study extra, try our full evaluate of the Prime Visa.
- If you wish to earn 5% at a number of retailers: The Chase Freedom Flex® earns 5% again on quarterly rotating classes on as much as $1,500 in mixed purchases every quarter you activate (then 1%). Classes can embrace grocery shops, gyms and even Goal, supplying you with a wider vary of alternatives to maximise your money again. It additionally earns 5% again on Chase Journey, 3% again on eating at eating places (together with takeout and eligible supply companies) and drugstore purchases and 1% on all different purchases. To study extra, try our full evaluate of the Chase Freedom Flex.
For extra choices, try our full listing of greatest retailer bank cards and greatest cash-back playing cards.
Associated: Retailer vs. cash-back playing cards: Which one ought to I get?
Is the Goal Circle Card price it?
The Goal Circle Card would not carry an annual price and earns 5% again on Goal purchases. Nonetheless, getting it might probably imply sacrificing larger earnings you’ll obtain with a special card. Plus, redeeming your rewards is a extra difficult course of than with most different cash-back playing cards. Calculate your anticipated financial savings earlier than making use of for this card and evaluate them with what you’ll earn on different cash-back and retailer playing cards.
It is price noting that there’s a debit card model of the Goal Circle card, which enjoys most of the identical perks because the Goal Circle Mastercard. We usually advocate placing all of your spending on a bank card, however for those who’re a frequent shopper at Goal, it might be price contemplating the Circle debit card for the Goal financial savings and perks and not using a exhausting inquiry in your credit score report.
Associated: How to decide on the perfect bank card for you
Backside line
The Goal Circle card is a good possibility for normal Goal buyers who desire a easy rewards construction. Nonetheless, evaluate the rewards you may earn on it towards these you may earn on another card. This card is aimed toward loyalists who need to hit the bull’s-eye at Goal — and never elsewhere.
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