The Target Circle is a personal credit card from Target Circle. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 22.90%–31.15% variable. Signup bonus: $50 in Target Circle Rewards when you spend $50 on your Target Circle credit card within 60 days of approval. Rewards: Save 5% on Target purchases every day. Free shipping on most items at Target.com. Extra 30 days for returns. Exclusive cardholder offers. No annual fee.. Cash back: 2% on dining and gas purchases and 1% everywhere else outside of Target.