7 Reasons We’re Signing up for Target 360 (And So Should You)

If Target is your favorite store, this is the subscription service for you
Updated May 1, 2024
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Logo of Target store

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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.

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Target is a great place to shop

MKPhoto/Adobe red grocery shopping cart

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

Mat Hayward/Adobe bullseye display in target store

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

Sundry Photography/Adobe target symbol displayed

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.

Get a free quote

There's same-day delivery on certain orders

sheilaf2002/Adobe target corporation

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

wolterke/Adobe target-retail-bullseye-logo

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.

You can have items sent to other homes

RCP/Adobe target store entrance

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

MichaelVi/Adobe target corporation bullseye logo

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

Tada Images/Adobe a target branded shopping cart

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.

Discover®️ Cashback Debit Benefits

  • Earn 1% cash back on up to $3,000 in debit card purchases each month1
  • No minimum deposit, no minimum balance, and no account fees
  • Access your paycheck up to 2 days early with Early Pay
  • 60K+ fee-free ATMs and make cash deposits at Walmart stores nationwide

Author Details

Cat Lafuente Cat Lafuente is a Florida-based writer and editor with extensive experience in digital and print content spaces. Her own personal finance journey — particularly consolidating debt and paying it off, in turn boosting her credit score and becoming a homeowner — inspired her to join the FinanceBuzz team; she hopes she can help others do the same.

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