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TD Bank · Mastercard

Target Circle™ Mastercard®

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
See reward details
Intro offer
Intro value may include 50 points. Confirm current requirements with the issuer.
Recommended credit
Excellent (720+)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 21.45%
Balance transfer APR
0% intro balance-transfer period for 15 months; variable APR applies after.
Cash advance APR
APR range: 29.4%
Promo APR length
15 months
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $41
Grace period
25 days
Recommended credit
Excellent (720+)
Terms last updated
6/22/2026
Key benefits
  • Intro APR or transfer-focused terms
  • No yearly card fee
Rewards breakdown

Wafacard summary: this everyday credit card shows cash-back earning from 1%-5% depending on the purchase type and issuer rules. Check the issuer page for eligible categories, caps, and current terms.

Intro offer: Intro value may include 50 points. Confirm current requirements with the issuer.

Card details

Wafacard note: key fit signals include intro apr or transfer-focused terms, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
TD Bank
Network
Mastercard
Type
general
Review status
Terms reviewed 6/30/2026

Is Target Circle™ Mastercard® worth it?

The Target Circle™ Mastercard® is a no-annual-fee general card from TD Bank, so you can keep it long term without paying to hold it. New cardholders may also qualify for a welcome offer: Intro value may include 50 points. Confirm current requirements with the issuer. It is generally aimed at applicants with excellent (720+) credit, with a purchase APR around APR range: 21.45%. Confirm current terms on TD Bank's site before applying.

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