Whether or not you are buying groceries, cleansing provides, electronics or something in between, there is a good likelihood you do a few of your purchasing at Goal.
And if you happen to’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 you can put towards that journey you’ve got been dreaming about.
As a superstore with a big number of merchandise, most Goal areas code as basic spending, so the perfect card for conventional grocery shops or wholesale golf equipment could not essentially be the perfect card to make use of at Goal. Nevertheless, that does not imply you possibly can’t nonetheless earn further rewards or save money in your Goal purchases.
Listed below are the highest bank cards that can provide help to maximize your Goal purchases with reductions or bonus factors.
Overview of the perfect bank cards for Goal purchases
First, a fast observe: A small variety of Targets are thought-about “grocery shops” which suggests at these areas, you may earn factors primarily based on the grocery class. Your greatest guess may be 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 greatest playing cards for groceries.
For everybody else, listed below are the perfect playing cards to make use of in your Goal runs:
The knowledge 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 offered by the cardboard issuer.
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Evaluating the perfect bank cards for goal purchases
| Card | Welcome Bonus | Annual price | 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 resorts and automobile leases booked via the Capital One journey portal; 5 miles per greenback spent on flights and trip leases booked via 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 resorts, trip leases, and automobile leases booked via 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 Categorical | 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 price for the primary yr, then $95 (see charges and charges) | 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 the whole lot else. Money again is acquired within the type of Reward {Dollars} that may be redeemed as a press release credit score or at Amazon.com checkout. |
| American Categorical Gold Card | Earn 60,000 Membership Rewards factors after spending $6,000 on eligible purchases along with your new card inside the first six months of card membership. | $325 (see charges and charges) | 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 immediately with airways or via AmexTravel.com; 2 factors per greenback spent on pay as you go resorts and different eligible purchases booked on AmexTravel.com; 1 level per greenback spent on the whole lot 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 via Chase Journey℠; 3% again on drugstore purchases and on eating purchases; 1% on all different purchases |
| Chase Freedom Limitless | Earn an extra 1.5% on all purchases as much as $20,000 spent within the first yr. | $0 | 5% money again on Lyft rides via 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 price: $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 keeping with TPG’s January 2025 valuations.
Incomes fee: Earn 10 miles per greenback spent on resorts and automobile leases booked via the Capital One journey portal, 5 miles per greenback spent on flights and trip leases booked via 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 very best annual price of any card on this listing, it comes with an intensive vary of advantages which might be useful for frequent vacationers. You may get a $300 annual credit score towards journey purchases made via 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 Move lounges for you and as much as two visitors, as much as $120 in assertion credit towards International Entry or TSA Precheck and far 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 taking a look at an efficient 3.7% return whether or not you are shopping for groceries or furnishings at Goal.
For extra particulars, try our full evaluate of the Enterprise X.
Study extra: Capital One Enterprise X
Capital One Enterprise Rewards
Annual price: $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 resorts, trip leases and automobile leases booked via 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 fee on all eligible purchases — together with at Goal — however for simply $95 per yr. You may obtain an as much as $120 assertion credit score towards your International Entry or TSA PreCheck software.
For extra particulars, try our full evaluate of the Enterprise card.
Study extra: Capital One Enterprise Rewards
Goal Circle Card
Annual price: $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: Not like different playing cards on this listing, this card affords an instantaneous low cost on purchases. A 5% low cost on Goal purchases, each in-store and on-line, can prevent a fairly penny. Plus, cardholders get 5% off at Starbucks areas inside Goal.
Different advantages embrace a ten% low cost coupon each account anniversary, 30 further 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 rely with Chase.
For extra particulars, try our full evaluate of the Goal Circle Card.
Uncover it Money Again
Annual price: $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’s 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 prior to now.
When Goal.com shouldn’t be part of the quarterly money again bonus class, your purchases will solely earn 1% again. Because the card would not cost an annual price, it will not harm to maintain it in your pockets all year long, although.
The cardboard is comparatively straightforward to be authorised for. Since this can be a cash-back card, the redemption course of is easy, with no minimal quantity required for redemption. However have in mind you need to activate the brand new classes every quarter by way of Uncover’s web site.
For extra particulars, try our full evaluate of the Uncover it money again card.
Blue Money Most popular Card from American Categorical
Annual price: $0 introductory annual price for one yr, then $95 (see charges and charges)
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 acquired 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 affords sturdy earnings in lots of in style 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 need to use these reward playing cards to pay for Goal purchases.
Goal reward playing cards could be bought at many grocery shops, together with Kroger and Safeway areas. Many Amex playing cards have restrictions towards incomes factors on reward card purchases, however experiences recommend that this is not strictly enforced, so proceed at your personal danger.
For extra particulars, try our full evaluate of the Amex Blue Money Most popular.
Apply right here: Blue Money Most popular Card from American Categorical
American Categorical Gold Card
Annual price: $325 (see charges and charges)
Welcome bonus: Earn 60,000 Membership Rewards factors after you spend $6,000 on eligible purchases along with your new card inside the first six months of card membership. Make sure to examine the CardMatch Software to see if you happen to’re focused for a better welcome supply (the focused supply is topic to vary at any time). This bonus is price $1,200, in keeping 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 immediately with airways or on AmexTravel.com, 2 factors per greenback spent on pay as you go resorts 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 totally transferable, so you will get some nice worth from them when redeeming for flight or lodge 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 conventional U.S. grocery retailer.
Along with the improved incomes charges at U.S. supermarkets and eating places, this card affords excessive returns on airfare. You may additionally earn as much as $10 in assertion credit month-to-month (as much as $120 yearly) while you pay along with your card at collaborating accomplice 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 every year. Enrollment required.
Moreover, Amex Gold cardholders rise up to $120 in annual Uber Money, distributed as as much as $10 credit per 30 days. Uber Money will solely be deposited into one Uber account while you add the Amex Gold as a fee methodology and redeem with any Amex card. Enrollment is required.
For extra particulars, try our full evaluate of the Amex Gold Card.
Apply right here: American Categorical Gold Card
Chase Freedom Flex
Annual price: $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 via 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, corresponding to grocery or workplace provide shops, after which maximize your Goal spending that method.
Nevertheless, the place this could supply some excellent worth is while 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 totally different accounts, successfully changing your cash-back rewards into full-fledged transferable Final Rewards factors and supplying you with entry to some unbelievable award choices.
For extra particulars, try our full evaluate of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Chase Freedom Limitless
Annual price: $0
Welcome bonus: Earn an extra 1.5% on all purchases as much as $20,000 spent within the first yr.
Incomes charges: 5% money again on Lyft rides via 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 right for purchases that sometimes do not fall into the bonus classes provided by different playing cards, corresponding 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. Based mostly on TPG’s January 2025 valuations, this mixture permits you to earn an efficient 3% return in your Goal purchases.
For extra particulars, try our full evaluate of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Backside line
Should you’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 via your favourite purchasing portal while you purchase on-line and join the Goal Circle rewards program to stack your earnings.
For charges and charges of the Amex Gold Card, click on right here.
For charges and charges of the Blue Money Most popular Card, click on right here.
