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The best credit cards to use at Target

Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.

You might know that the Target RedCard offers a 5% discount on almost everything you buy at Target, but there are a few other cards that you might want to consider for their extended warranty benefits. These are the best credit cards to use at Target

The best credit cards to use at Target

CardWhy use it at Target
Target RedCard™ Mastercard card art
Target RedCard Mastercard
Annual fee: $0
The RedCard Mastercard gives you a 5% discount on most things you buy at Target.

More on the Target RedCard Mastercard.
Chase Freedom Unlimited® card art
Chase Freedom Unlimited®
Annual fee: $0
Get 3% cash back rewards, plus an extended warranty benefit on most items you buy as a new cardmember with the card’s current welcome bonus. Get 1.5% cash back, plus an extended warranty afterward, or if you already have the card.

More on the Chase Freedom Unlimited®.
Chase Freedom Flex card art
Chase Freedom Flex℠
Annual fee: $0
The Chase Freedom Flex occasionally offers 5% on Target as a quarterly category and can extend the warranty on the items you buy by an additional year, for free.

More on Chase Freedom Flex℠.
The best credit cards to use at Target.

Why not just use the Target RedCard?

If you are a frequent Target shopper, you probably have some variant of the Target RedCard in your wallet. The RedCard offers a 5% discount on most items you purchase at Target and Target.com. Plus, it includes some benefits like additional time to return items and free 2-days shipping on many items at Target.com. So why would you not just use the Target RedCard for every purchase? Isn’t the RedCard the best card to use at Target?

For some items, earning maximum cash back or getting the biggest discount may not be your priority. If you’re buying groceries, office supplies, gift cards, or toilet paper, getting the biggest discount makes sense. But when you start purchasing durable goods—items like appliances, electronics, and furniture, the calculus changes.

If you purchase an item with a warranty, it can be well worth foregoing a small amount of rewards to be protected by a credit card extended warranty. Fortunately, you don’t have to give up many rewards if you stick with our list of the best cards to use at Target.

More on the best cards to use at Target.

Target RedCard – A 5% discount on almost everything you buy at Target and Target.com

If you’re a Target shopper, the Target RedCard should be your first choice of a credit card to use at Target. The card offers an instant 5% discount on most items you will buy. That makes it ideal for groceries, clothing, and household consumables. Another one of our picks might be better for durable goods, though. Getting an extra year of extended warranty protection on the things you buy might be worth foregoing that 5% discount.

About the Target RedCard

Target RedCard™ Mastercard card art
Target RedCard™ Mastercard

The Target RedCard™ Mastercard offers a generous discount at Target and Target.com. The card carries no annual fee.

The RedCard’s flagship rewards come in the form of a 5% discount on most purchases at Target and Target.com. You’ll also get 2% on dining and gas purchases and 1% everywhere else you use the card. Rewards for spending on purchases outside of Target come in the form of a Target gift card, rather than cash back.

Cardmembers also get a few extra perks when shopping at Target and Target.com. These include an extra 30 days to return or exchange items you buy at Target and free 2-day shipping on hundreds of thousands of items at Target.com. The Target RedCard Mastercard has no annual fee.

Rewards of the Target RedCard™ Mastercard

5%Discount at Target and Target.com
2%*Dining
2%*Gas
1%*Everywhere else
Rewards of the Target RedCard™ Mastercard

*Rewards are earned as credit toward a Target gift card

Target RedCard Mastercard welcome bonus:

Save $50 on a future qualifying purchases of over $50 when approved for a credit or debit RedCard.

Our take on the welcome bonus: The Target RedCard frequently offers a similar bonus for new cardmembers. If Target isn’t currently offering a welcome bonus, just wait a few weeks and they’ll launch a new offer. $50 off of $50 matches the largest offer we’ve seen on this card.

The link above is a direct link. We don’t make any money when you use the link above, but we’ll always show you the best offer.

Target RedCard™ Mastercard card art

Target RedCard™ Mastercard at a glance:
Annual fee: $0
Rewards: 5% discount at Target and Target.com. 2% on dining and gas. 1% everywhere else.
Benefits: Free 2-day shipping at Target.com. Additional 30 days to return at Target.

Chase Freedom Unlimited® – 3% everywhere for a year for new cardmembers, plus extended warranty

The strongest argument against using the Target RedCard for every purchase at Target is a credit card extended warranty. If you buy an expensive item like a television, iPad, or cell phone at Target, it’s probably a good idea to give up a small amount of rewards to get credit card extended warranty coverage for an additional year.

Fortunately, you don’t have to give up much in the way of rewards if you’re willing to get a new Chase Freedom Unlimited® card. The Chase Freedom Unlimited® normally offers 1.5% rewards everywhere. But with the current welcome bonus, that gets doubled in your first year as a new cardmember. That means you can get 3% rewards on your Target purchases, plus an extra year of extended warranty coverage.

About the Chase Freedom Unlimited®

Chase Freedom Unlimited card art
Chase Freedom Unlimited®

The Chase Freedom Unlimited® offers cardmembers 1.5% rewards on all purchases. It is the essential “everywhere else card” in the Chase Ultimate Rewards® ecosystem.

Although the Chase Freedom Unlimited® is marketed as a “1.5% everywhere” card, it offers plenty of bonus spending categories. You get 5% on travel purchased through Chase Travel, 3% on dining at restaurants including eligible takeout and delivery, and 3% on drugstore purchases. Although rewards are marketed as cash back, the card earns Chase Ultimate Rewards® points behind the scenes, which can be transferred to a premium Ultimate Rewards® card and redeemed for greater value.

For a card with no annual fee, the Chase Freedom Unlimited® comes with a healthy set of benefits, including purchase protection, extended warranty, secondary auto rental collision damage waiver insurance, and trip cancellation/interruption insurance.

Chase Freedom Unlimited® Rewards

5%Travel purchased through Chase Ultimate Rewards®
5%Lyft rides (through March 31, 2025)
3%Dining, including eligible takeout and delivery
3%Drugstore purchases
1.5%All other purchases
Rewards of the Chase Freedom Unlimited®
Chase Freedom Unlimited® Welcome bonuses

Our take on the welcome bonuses: The 5% gas and grocery offer is arguably the best offer we’ve seen on this card. The 1.5% additional cash back offer isn’t a great offer, but we’re showing it because there might be a niche case where you would prefer this offer.

Offer #1 (best offer): Chase Freedom Unlimited®: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus get a 5% gas and grocery offer up to $600 cash back.

(Earn 5% cash back on combined gas station and grocery store purchases on up to $12,000 spent in the first year.)

The link above is a referral link. If you use this link, either we or someone on our team may earn points. We always show you the best offer, regardless of our ability to earn a commission.

Offer #2: card_name: bonus_miles_full

The link above is our affiliate link. We are showing you this offer in addition to the 5% offer above because there are some people who might prefer this offer.

Chase Freedom Unlimited® card art

Chase Freedom Unlimited® at a glance:
Annual fee: $0
Rewards: 5% travel through Chase Travel. 3% dining. 3% drugstore. 1.5% all other purchases

Chase Freedom Flex℠ – Occasional 5% at Target, plus extended warranty

Just like with the Chase Freedom Unlimited®, you use the Chase Freedom Flex℠ to get an extended warranty. Go ahead and use your RedCard for groceries, but if you need warranty coverage, use a card with a robust extended warranty benefit. Normally, the Chase Freedom Flex℠ will offer only 1% rewards at Target, making a card that earns 1.5% everywhere and has an extended warranty more compelling. But occasionally, that changes.

When the Chase Freedom Flex℠ offers 5% rewards at Target through its rotating categories, the card quickly becomes the best card to use at Target. That’s because the card offers rewards that match the Target Card’s 5% discount and it gives you an extra year of extended warranty, to boot!

About the Chase Freedom Flex℠

Chase Freedom Flex card art
Chase Freedom Flex℠

The Chase Freedom Flex℠ is Chase’s take on the 5% rotating category card, offering increased rewards in limited-time categories that are announced quarterly. The Chase Freedom Flex℠ has no annual fee.

The Chase Freedom Flex℠ offers 5% back on up to $1,500 spent each quarter in rotating bonus quarterly categories. Categories have historically included purchases at grocery stores, Amazon.com, gas stations and big box retailers. In addition, the card offers 3% cash back on restaurants and drugstore purchases and 1% cash back on everything else. All rewards are earned as Ultimate Rewards points, but can be redeemed for cash back.

In addition to cash back rewards, the Chase Freedom Flex℠ offers a generous suite of benefits for a card with no annual fee. The card protects your purchases with Purchase Protection, Extended Warranty Protection, and Cell Phone Protection and it offers protection for your travels with secondary auto rental collision damage waiver insurance and trip cancellation/interruption insurance.

Chase Freedom Flex℠ rewards

5%Travel purchased through Chase Travel
5%Lyft rides (through March 31, 2025)
3%Dining, including eligible takeout and delivery
3%Drugstore purchases
1.5%All other purchases
Rewards of the Chase Freedom Unlimited®
Chase Freedom Flex℠ welcome bonus:

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus get a 5% gas and grocery offer up to $600 cash back.

Earn 5% cash back on combined gas station and grocery store purchases on up to $12,000 spent in the first year.

Click here to learn more and apply for the Chase Freedom Flex℠.

Our take on the welcome bonus: This is the best offer we’ve seen on this card. Getting a $200 bonus after spending $500 on the card is good, but getting five percent cash back on up to $12,000 of spending on gas and groceries makes this card both one of the best gas cards and one of the best grocery cards for new cardmembers.

The link above is a referral link. Someone on our team may earn points if you apply and are approved to the link above. We always show you the best offer, and this is the best offer we know about on this card.

Chase Freedom Flex card art

Chase Freedom Flex℠ at a glance:
Annual fee: $0
Rewards: 5% in rotating categories (up to $1,500 in combined purchases per quarter). 5% travel through Chase. 3% dining. 3% drugstores. 1% other purchases.
Benefits: Extended warranty. Purchase protection. Cell phone protection.

Frequently asked questions

What is the best credit card to use for Target?

For most purchases, you should probably use the Target RedCard, which gives a 5% discount on most items you purchase at Target and Target.com. But it can be a good idea to use a card with an extended warranty benefit for durable goods. It’s probably worth sacrificing part of your discount in order to get an extra year of warranty protection on electronics, appliances, and furniture.

How to get 5% back at Target?

Technically, the RedCard gives you a 5% discount, rather than 5% rewards at Target. You can earn 5% rewards occasionally when you use a rotating category card like the Chase Freedom Flex when Target is included in the card’s quarterly categories.

Is the RedCard only good at Target?

The Target RedCard is issued in several variants. The prepaid card, in-store credit card, and debit card can be used only at Target. The RedCard Mastercard can be used elsewhere, though its rewards outside of Target are mediocre.

Is Target Circle worth it?

Target Circle is a no-cost rewards program that you can sign up for as a Target shopper. You can earn 1% rewards on most purchases through the program and get targeted discounts and promotions. If you shop at Target, you should sign up for Target Circle.

Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.