Raise your hand if you can relate: You walk into a Target to pick up some cleaning supplies and laundry staples. You leave with a cart full of cute clearance clothes, some fluffy new towels, the perfect color lipstick, groceries, and, yes, those staples and supplies.
The “Target Effect” is real, but we don’t mind. The deals the store offers can make up for its pull on our purse strings — you can splurge on those throw pillows and still keep cash in your wallet.
Even better, the red box juggernaut is rolling out a new subscription service soon: Target Circle 360. Here’s why we’re signing up.
Earn cash back on everyday purchases with this rare account
Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!1
With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!
This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.
Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.
Apply for a Discover Cashback Checking account today
Target is a great place to shop
Who doesn’t love Target? Its prices are competitive, but it doesn’t feel like a Walmart — it’s more of a curated, higher-end shopping experience.
Target also carries a wide variety of high-quality items, so you know you’re spending your cash on things that will last. We especially like the brand collabs with top partners.
Target also has relatively good customer service and family-friendly policies.
The price is right
Target Circle 360 will cost customers $99 per year, which shakes out to $8.25 per month. That’s less than some of us spend on our daily Starbucks order.
Target Circle 360 is cheaper than Amazon Prime, which costs $139 per year, and is nearly identical to Walmart Plus, which costs $98 per year — but we like the perks better.
There's an early bird special
If you sign up between April 7, 2024, and May 18, 2024, your Target Circle 360 plan will only cost you $49. Note that the price increases to $99 after the first year.
That is unless you have a Target credit card. Then, you get to hold onto that sweet, discounted member rate.
Get a protection plan on all your appliances
Did you know if your air conditioner stops working, your homeowner’s insurance won’t cover it? Same with plumbing, electrical issues, appliances, and more.
Whether or not you’re a new homeowner, a home warranty from Choice Home Warranty could pick up the slack where insurance falls short and protect you against surprise expenses. If a covered system in your home breaks, you can call their hotline 24/7 to get it repaired.
For a limited time, you can get your first month free with a Single Payment home warranty plan.
There's same-day delivery on certain orders
Arguably, our favorite Target Circle 360 perk is the free delivery on all orders $35 and up. This is Target’s answer to Amazon Prime, which also offers free shipping, but Amazon’s two-day shipping is hit or miss these days.
If you forget to include everything you need in the first order, don’t stress! You can enjoy unlimited free shipping as long as each order exceeds that magic $35 number.
Orders can be shipped from multiple stores
Target Circle 360 is building itself on top of the pre-existing Shipt platform, which Target bought in 2017. That’s how they can get deliveries to you fast and free.
This also means that you can use your Target Circle 360 membership to have Shipt deliver from any store they partner with. For more info, check to see which outlets they work with in your area.
Trending Stories
You can have items sent to other homes
Need to send a last-minute gift to someone because you forgot a special occasion? Want to help a friend in need with grocery delivery? Target Circle 360 has you covered.
With your membership, you can have deliveries sent to other homes and businesses — not just your own — and the same-day, free delivery policy still applies.
You get all of the Target Circle perks
It makes sense that Target Circle 360 members also get the advantages of the unpaid version of the program, Target Circle.
That includes standard two-day shipping (if you don’t need it right away or the order is under $35), 5% off all purchases, and an extra 30 days to return items (on top of Target’s generous 90-day policy for non-members).
Bottom line
Target Circle 360 is poised to change the shopping experience for customers who sign up for the program. If you’re a frequent shopper in the store, all that free shipping will likely make the membership cost well worth it and help you save money shopping for the things you need — or the things you might not need. It is Target, after all.
That doesn’t mean you have to say goodbye to the in-store shopping experience, though, especially if you love stepping into the big red box. You’ll still enjoy the many rewards and discounts Target offers its shoppers.
Lucrative, Flat-Rate Cash Rewards
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
Wells Fargo Active Cash® Card
Current Offer
$200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Benefits
- Low spend threshold for its welcome offer — $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Cell phone protection benefit (subject to a $25 deductible)
- Can redeem rewards at an ATM for literal cash
Drawbacks
- Foreign transaction fee of 3%
- No bonus categories
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Subscribe Today
Want extra-cash moves to come right to you?
Stop browsing endlessly. Get proven ways to earn pocket money, help cover rent, and crush your debt — sent to your inbox daily.
Author Details