Just make sure you pay in full each month. The card's generous discounts make it a valuable card for loyal Target shoppers. But if you tend to carry a balance, you'll want to look elsewhere.

“What kept coming up was this gift card is registered to somebody else. And it has a zero balance on it.” Armed with her ...

However, frequent Target shoppers can benefit from this no annual fee card. Below ... add up to costly interest charges if you carry a balance (and completely negate the 5% savings).

MORE: Full review of the Target Circle™ Credit Card Annual fee: $0. APR: 0% intro APR on Purchases for 12 months and 0% intro APR on Balance Transfers 12 months from account opening on ...

Target Credit Cards come with benefits like additional time for returns and discounts whether you shop in stores or online. Cardholders also get free shipping on most items when purchased from ...