Skip to content

Target will debut a new customer loyalty program this October

Sept. 10, 2019
2 min read
Target expects to report earnings for the fiscal Quarter
Target will debut a new customer loyalty program this October
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.

Starting October 6, 2019, you'll be able to supercharge your relationship with Target.

The iconic red-and-white brand is a large presence in many communities across America, but its store-branded credit card and debit card is not: Only around 25% of Target's customers utilize the REDcard. The company's discount program, Cartwheel, also hasn't gained much traction with its primary intended demographic despite saving shoppers a combined $1.5 billion throughout its lifetime, according to Target.

RELATED: Is the Target REDcard right for you?

Target aims to improve that engagement statistic next month with the launch of its revamped loyalty program, Target Circle. The program will be presented in app form, and will automatically enroll customers who hold Target.com and REDcard accounts. Other customers can sign up through the dedicated Target Circle link. To unlock their Target Circle perks at checkout, customers will swipe a barcode from the app or input their phone number.

Perks include a 1% discount on Target purchases for non-REDcard members, while cardholders will continue to earn the standard 5% on purchases made with the REDcard. Members will also receive personalized deals and early access to Target sales in-store and online, including an annual birthday discount of 5%. Target Circle members will also have a say in where Target directs its charitable giving efforts within the local community.

The new loyalty program will give Target a lot more insight into customer behaviors — a move that may make some shoppers wary. (In 2012, Target notoriously realized that a teenage girl was pregnant before her family found out.)

Daily Newsletter
Reward your inbox with the TPG Daily newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts

While the overall savings may not be significant, every little bit adds up. If the new program rekindles your curiosity about whether or not the Target REDcard is worth it or not, read our guide to the Target debit REDcard here.

Featured image by Corbis via Getty Images

TPG featured card

Rewards rate
2X milesEarn 2X miles per $1 on every purchase, everywhere
5X milesEarn 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Business Travel
Intro offer
Open Intro bonus
Limited-time offer: Earn up to 150,000 bonus miles
Annual fee
$95
Regular APR
24.49% (Variable)
Recommended credit
Open Credit score description
740-850Excellent

Pros

  • Simple earning structure
  • Bonus categories
  • Annual credits
  • No foreign transaction fees
  • Flexible redemption options, including transfer partners

Cons

  • Has an annual fee
  • Fewer bonus categories than some competitors
  • Lacks premium perks
  • Limited-time offer: Earn up to 150,000 bonus miles—75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
  • Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • $95 annual fee
  • Free employee cards which also earn unlimited 2X miles from their purchases
  • Top rated mobile app