July 2, 2025: Target has announced its Target Circle Week promotion for 2025 and its press release states that this year’s Target Circle Week includes “a 10% off Target GiftCards offer during the week.”
If you shop at Target, this is a must-get deal but you’ll lose out on rewards if you use your Target Circle card to purchase the gift cards. Here’s what you need to know to get the most cash back out of this deal.
Getting the promotion: You must be a Target Circle member.
In recent years, Target has made becoming a Target Circle member a requirement to get the 10% gift card discount. This is most likely to enforce per-customer limits on gift card purchases. Joining Target Circle is easy and free. Here’s the link to Target’s website where you can sign up.
This year, you’ll get the 10% off Target discount automatically—as long as you are a Target Circle member, you’ll receive the discount on your first eligible purchase on December 7th or 8th.
Historically, the 10% off Target gift card discount was available through all channels
In the past, this discount was available both in-store and online and we expect that to be the same this year.
Purchase limit: One purchase, up to a $50 discount
The last time Target ran this promotion, the promotion was usable only in one transaction, per guest.
Since Target has moved its 10% off Target gift card promotion to a Target Circle offer, it should be pretty easy for Target to enforce the one transaction per guest limit.
We haven’t seen the exact terms of this year’s offer, but we expect that to be the case this year.
Our recommendation: If you’re purchasing multiple gift cards for others, purchase them all in one transaction. If you’re buying for yourself, maximize the promotion’s value by purchasing a single $500 Target gift cad.
Don’t use your Target Circle Card: There’s no 5% discount on Target gift cards
The Target Circle Card’s 5% discount at Target excludes Target gift cards, so you want to be sure you use any other credit card for this purchase.
Unfortunately, we’ve seen several other large sites recommending that their readers to use a Target Circle card for this promotion. Don’t do this. Clearly those recommending using using the Target Circle card to purchase gift cards didn’t read the terms:
So which credit card should you use for the 10% off Target gift card promotion? We’ve got some recommendations.
Best credit cards to use for the July 2025 10% off Target gift card promotion
If you want to stack the maximum amount of rewards on top of your 10% off gift card promotion, here are the best credit cards to use during the promotion in July 2025.
- U.S. Bank Shopper Cash Rewards® Visa Signature® Card. If you have selected Target as one of your choice retailers, you can 6% cash back on your purchase.
- Bank of America Customized Cash Rewards card. Target.com counts as an online retailer, which can earn 3% cash back with this card. Better yet, if you have Preferred Rewards with Platinum Honors or higher status, you can earn 5.25% cash back, thanks to the Preferred Rewards bonus multiplier.
- Blue Cash Everyday® Card from American Express. The card earns 3% cash back on U.S. Online Retail purchases, on up to $6,000 per year in purchases (then 1%) which you can stack on top of the discount.
- Any 2% cash back card. If you use any 2% cash back card, you’ll get 2% cash back on your purchase, on top of the 10% Target gift card discount.
Beyond these cards, the best card to use for the 10% off Target gift card promotion is the card in your wallet that earns the highest cash back rewards at Target. As we mention above, do not use your Target Circle card.
Warning: Don’t use the U.S. Bank Altitude® Reserve Visa Infinite® Card with a mobile wallet in-store
The U.S. Bank Altitude® Reserve Visa Infinite® Card offers 3 points per dollar on purchases made using mobile wallets. These points are redeemable for cash back or travel rewards, giving you up to 4.5% back on your mobile wallet purchases toward travel.
Although it might be tempting to use the U.S. Bank Altitude® Reserve Visa Infinite® Card in-store to purchase Target gift cards at a 10% discount, don’t do it! U.S. Bank’s terms specifically exclude purchases of gift cards from its increased rewards with mobile wallet purchases. And the bank has shut down peoples’ accounts in the past after even one gift card purchase.
YouTube: How to maximize + Stacking maximum credit card rewards
I published a video about this promotion last year on YouTube. I might do a quick video next week about this promotion, but a lot of this holds true again this year.
Bottom line: The 10% off Target gift card promotion is the best deal at Target all year
Target is running its 10% off Target gift card promotion again this year for Target Circle Week, starting on July 6th. If you’re a Target shopper, this is a great opportunity to lock in the best Target discount you’ll find.
