Cash back · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
TD Bank Target Circle️ is a no-annual-fee cash back card from TD Bank. Its best everyday rates are 2% on dining, and 2% on gas stations; everything else earns 1%. There is also 5% on Target, a single-merchant rate.
On our reference budget of $24,600 a year it returns about $306, an effective 1.2% back.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
Earn 2% on dining
Earn 2% on gas purchases
5% off every day at Target and Target.com
No welcome bonus is stored for this catalog entry yet.
Extended returns for 30 extra days at Target or Target.com.
Free 2-day shipping on hundreds of thousands of items at Target.com.
These come from Mastercard, not from TD Bank. Every card on the Standard Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
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Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Target Circle™️ Credit CardThis card · 2% on dining | None | $306 | +$306 | 535th of 1,291 |
| TD CashTD Bank's most-held other card · 3% on dining | None | $570 | +$570 | 16th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
