{"id":17202,"date":"2026-07-25T22:54:18","date_gmt":"2026-07-25T17:54:18","guid":{"rendered":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/?p=17202"},"modified":"2026-07-25T22:54:18","modified_gmt":"2026-07-25T17:54:18","slug":"target-circle-360-vs-free-circle-is-99-worth-it","status":"publish","type":"post","link":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/?p=17202","title":{"rendered":"Target Circle 360 vs. Free Circle: Is $99 Worth It?"},"content":{"rendered":"<p><script>\r\n  atOptions = {\r\n    'key' : '644b717812d811d6a1c1fc5b6ccd6fa6',\r\n    'format' : 'iframe',\r\n    'height' : 90,\r\n    'width' : 728,\r\n    'params' : {}\r\n  };\r\n<\/script>\r\n<script src=\"https:\/\/www.highperformanceformat.com\/644b717812d811d6a1c1fc5b6ccd6fa6\/invoke.js\"><\/script>\r\n<br \/>\n<\/p>\n<div style=\"--rs-view-gap-s:6\">\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\">No one ever goes to Target looking to buy one item and comes out with only that solitary purchase. That\u2019s because Target has so many ways to save, including its free upgrade of Target Circle, as well as its Circle 360 membership for $99 annually or $10.99 per month.<\/p>\n<p><iframe loading=\"lazy\" data-cms-widget-id=\"in-content-CAU\" referrerpolicy=\"strict-origin-when-cross-origin\" sandbox=\"allow-scripts allow-same-origin allow-popups allow-popups-to-escape-sandbox allow-forms allow-top-navigation-by-user-activation\" src=\"https:\/\/products.gobankingrates.com\/pub\/0384a803-638e-43ac-86db-b124b9c8ab88?utm_campaign=target-circle-360-vs-free-circle-when-99-dollar-upgrade-pays-off\" width=\"100%\" id=\"contentful-iframe-embed-2rqjf1O8Dd2sIEPZo4h7Bs\" title=\"In-Content CAU - Revops (2rqjf1O8Dd2sIEPZo4h7Bs)\" height=\"658px\" scrolling=\"no\" style=\"border:none;display:block;max-width:100%;overflow:hidden;overflow-clip-margin:0\"><\/iframe><\/p>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\">Perks include same-day delivery threshold, two-day shipping access, return window extension and stacking potential with the RedCard 5% back, but is the upgrade worth it? <\/p>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\"><strong>Trending Now: <\/strong><a style=\"color:#0f6161\" href=\"https:\/\/www.moneylion.com\/trending\/money\/hearth-hand-with-magnolia-finds-target-under-that-look-expensive\/?utm_medium=rss&amp;utm_campaign=c3-related_link_|_c4-features&amp;medium=rss&amp;campaign_id=c3-related_link_|_c4-features\" class=\"Actionable_root__gYRbW Link_root__f6YnY Link_--variant-underline__ewwU2 Link_--color-inherit___v63X\"><span style=\"display:inline\" class=\"Text_root__l8CkT Text_--weight-bold__PDVlx\"><strong>11 Hearth &amp; Hand With Magnolia Finds at Target for Under $50 That Look Expensive<\/strong><\/span><\/a> <\/p>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\"><strong>Check Out: <\/strong><a style=\"color:#0f6161\" href=\"https:\/\/www.moneylion.com\/trending\/money\/genius-wealthy-people-know\/?utm_medium=rss&amp;utm_campaign=c3-related_link_%7C_c4-advertorial&amp;medium=rss&amp;campaign_id=c3-related_link_%7C_c4-advertorial\" class=\"Actionable_root__gYRbW Link_root__f6YnY Link_--variant-underline__ewwU2 Link_--color-inherit___v63X\"><span style=\"display:inline\" class=\"Text_root__l8CkT Text_--weight-bold__PDVlx\"><strong>10 Subtly Genius Things All Wealthy People Do With Their Money \u2014 That You Should Do, Too<\/strong><\/span><\/a><\/p>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\">Rachid Wehbi, founder and CEO of <a style=\"color:#0f6161\" href=\"https:\/\/www.sellthetrend.com\/\" class=\"Actionable_root__gYRbW Link_root__f6YnY Link_--variant-underline__ewwU2 Link_--color-inherit___v63X\"><span style=\"display:inline\" class=\"Text_root__l8CkT Text_--weight-bold__PDVlx\">Sell The Trend<\/span><\/a>, modeled a realistic monthly spend scenario showing the crossover point where Circle 360 pays for itself depending on if you are a online-heavy shopper or lite in-store-only customer. Find out below if <a style=\"color:#0f6161\" href=\"https:\/\/www.moneylion.com\/trending\/money\/what-groceries-from-target-for-a-family-of-four-cost-in-2010-vs-2026\/?utm_medium=rss&amp;utm_campaign=c3-in_content_link_|_c4-features&amp;medium=rss&amp;campaign_id=c3-in_content_link_|_c4-features\" class=\"Actionable_root__gYRbW Link_root__f6YnY Link_--variant-underline__ewwU2 Link_--color-inherit___v63X\"><span style=\"display:inline\" class=\"Text_root__l8CkT Text_--weight-bold__PDVlx\">Target<\/span><\/a> Circle 360 is worth the $99.<\/p>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\"><strong>Explore More: <\/strong><a style=\"color:#0f6161\" href=\"https:\/\/www.moneylion.com\/trending\/money\/target-deals\/?utm_medium=rss&amp;utm_campaign=c3-related_link_|_c4-features&amp;medium=rss&amp;campaign_id=c3-related_link_|_c4-features\" class=\"Actionable_root__gYRbW Link_root__f6YnY Link_--variant-underline__ewwU2 Link_--color-inherit___v63X\"><span style=\"display:inline\" class=\"Text_root__l8CkT Text_--weight-bold__PDVlx\"><strong>The Best Target Buys for the Money Right Now<\/strong><\/span><\/a> <\/p>\n<h2 style=\"scroll-margin-top:5rem\" id=\"best-discounts-and-savings\" class=\"Text_root__l8CkT Text_--variant-title-4--m__TbTu_ Text_--variant-featured-2__NZyQc\">Best Discounts and Savings<\/h2>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\">For <a style=\"color:#0f6161\" href=\"https:\/\/moneylion.com\/trending\/money\/frugal-shopper-things-i-never-waste-money-on\/?utm_medium=rss&amp;utm_campaign=c3-in_content_link_%7C_c4-features&amp;medium=rss&amp;campaign_id=c3-in_content_link_%7C_c4-features\" class=\"Actionable_root__gYRbW Link_root__f6YnY Link_--variant-underline__ewwU2 Link_--color-inherit___v63X\"><span style=\"display:inline\" class=\"Text_root__l8CkT Text_--weight-bold__PDVlx\">bargain hunters<\/span><\/a>, Wehbi found that Target Circle offers are the way to go.\u00a0<\/p>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\">\u201cIt covers discounts, offers, rewards, birthday gifts and shopping promotions-free. Target Circle 360 is offered at $99 a year or $10.99 a month, is more of an [easy] subscription,\u201d Wehbi added.<\/p>\n<h2 style=\"scroll-margin-top:5rem\" id=\"combining-offers\" class=\"Text_root__l8CkT Text_--variant-title-4--m__TbTu_ Text_--variant-featured-2__NZyQc\">Combining Offers<\/h2>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\">According to Wehbi, Target Circle deals and discounts \u2014 both of which are offered to Target Circle Card Holders \u2014 can be combined. However, Wehbi pointed out that this should be kept separate from the Circle 360 value.\u00a0<\/p>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\">\u201cThe Circle 360 paid subscription, unlike the Target Circle Card, is only a savings on delivery fees,\u201d Wehbi highlighted.<\/p>\n<p><moneylion-ewa-carousel title=\"Cash advance offers\" email=\"user@moneylion.com\" user-id=\"22252522i2552\" medium=\"website_trending_ewa_offer\" campaign-id=\"target-circle-360-vs-free-circle-when-99-dollar-upgrade-pays-off\" traffic-src=\"https:\/\/moneylion.com\/trending\/money\/web\" utm-campaign=\"\" utm-medium=\"website_trending_ewa_offer\" utm-source=\"ml_web_trending\"\/><\/p>\n<h2 style=\"scroll-margin-top:5rem\" id=\"break-even-point\" class=\"Text_root__l8CkT Text_--variant-title-4--m__TbTu_ Text_--variant-featured-2__NZyQc\">Break-Even Point<\/h2>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\">Without a membership, Wehbi pointed out that same-day delivery is $9.99, meaning that after 10 same-day orders in a year, the subscription is paid for.\u00a0<\/p>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\">\u201cThis means, one same-day order a month and Target Circle 360 is a savings,\u201d Wehbi explained, using the example of a shopper that has same-day delivery of two $75 orders in a month. \u201c[T]his shopper would save $239.76 on delivery for the year, meaning the subscription would cost $99 and be worth $140. For Target Circle Card holders, it is [an] even better value, as the subscription is only $49, making the break even for same day orders five.\u201d<\/p>\n<h2 style=\"scroll-margin-top:5rem\" id=\"conclusion\" class=\"Text_root__l8CkT Text_--variant-title-4--m__TbTu_ Text_--variant-featured-2__NZyQc\">Conclusion<\/h2>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\">In Wehbi\u2019s calculation, Free Target Circle Rewards allows bargain hunters to save more while Circle 360 appeals to convenience shoppers.\u00a0<\/p>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\">\u201cIf a customer books same-day delivery at least once a month, the membership begins to pay for itself,\u201d Wehbi said, adding that the best fit is for \u201conline-target customers with large families, busy parents, busy pet owners, professionals and those who frequently place $35 or more Target delivery orders.\u201d<\/p>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\">On the other hand, customers who shop in-store only and those who use delivery, pick-up and Drive Up services exclusively should not spend money on the upgrade in Wehbi\u2019s opinion: \u201cFor Target shoppers that do frequent deliveries, Target Circle 360 makes sense. For those that do only casual shopping trips, it does not.&#8221;<\/p>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\"><em>This article was provided by <\/em><a style=\"color:#0f6161\" href=\"http:\/\/moneylion.com\/\" class=\"Actionable_root__gYRbW Link_root__f6YnY Link_--variant-underline__ewwU2 Link_--color-inherit___v63X\"><span style=\"display:inline\" class=\"Text_root__l8CkT Text_--weight-bold__PDVlx\"><strong><em>MoneyLion.com<\/em><\/strong><\/span><\/a><em> for informational purposes only and should not be construed as financial, legal or tax advice.<\/em><\/p>\n<p class=\"Text_root__l8CkT Text_--variant-body-2__q78Vy Text_--variant-body-1--m__3LiHS\" style=\"--rs-text-align-s:start\"><strong>More From MoneyLion:<\/strong><\/p>\n<p><iframe loading=\"lazy\" data-cms-widget-id=\"native-card-module\" referrerpolicy=\"strict-origin-when-cross-origin\" sandbox=\"allow-scripts allow-same-origin allow-popups allow-popups-to-escape-sandbox allow-forms allow-top-navigation-by-user-activation\" src=\"https:\/\/products.gobankingrates.com\/pub\/e4c9817f-a73a-4332-871e-47d803a4ba0e?utm_campaign=target-circle-360-vs-free-circle-when-99-dollar-upgrade-pays-off\" width=\"100%\" id=\"contentful-iframe-embed-1quQ3swCPRDuKfS5JVbbAG\" title=\"SmartCards - Syndication - Revops (1quQ3swCPRDuKfS5JVbbAG)\" height=\"1415px\" scrolling=\"no\" style=\"border:none;display:block;max-width:100%;overflow:hidden;overflow-clip-margin:0\"><\/iframe><\/p>\n<\/div>\n<script async=\"async\" data-cfasync=\"false\" src=\"https:\/\/pl30214220.effectivecpmnetwork.com\/9ab3d4df8a7e1a6171e16ddbf732cc19\/invoke.js\"><\/script>\r\n<div id=\"container-9ab3d4df8a7e1a6171e16ddbf732cc19\"><\/div>\r\n\n","protected":false},"excerpt":{"rendered":"<p>No one ever goes to Target looking to buy one item and comes out with only that solitary purchase. That\u2019s because Target has so many ways to save, including its free upgrade of Target Circle, as well as its Circle 360 membership for $99 annually or $10.99 per month. Perks include same-day delivery threshold, two-day&#8230;<\/p>\n","protected":false},"author":1,"featured_media":17203,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/images.ctfassets.net\/38eowqxxlfkc\/4Hnn6iuxwEKSDyONUnR33F\/ab4c2a23a9c3a124bf6c8ec44a8a71ce\/Target-store-shopping-cart-shutterstock_1342761149.jpg?fm=jpg&q=95&w=1200&h=630&fit=fill&f=face","fifu_image_alt":"","footnotes":""},"categories":[18],"tags":[],"class_list":["post-17202","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-trending-viral-news"],"brizy_media":[],"_links":{"self":[{"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/posts\/17202","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=17202"}],"version-history":[{"count":0,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/posts\/17202\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/media\/17203"}],"wp:attachment":[{"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=17202"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=17202"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=17202"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}