Target Cashback: Every Portal's Rate, Compared

The best Target cashback we found is 5% at Fluz, read from Fluz's own Target page.

Target cash back rates by portal

Every rate below was read from that portal's own Target page, and every row shows when we last looked. Where a rate has a catch, the catch is printed next to the number rather than underneath it.

PortalRateLast checked
Fluz
5%source
BeFrugal
3%source
TopCashback
2%source
Rakuten
1%source
Active Junky
No cash backActive Junky lists coupon codes for this merchant but pays no cash back on purchases.source
Price.com
No cash backPrice.com lists coupons and deals for this merchant but pays no cash back on purchases.source
RebatesMe
No cash backRebatesMe lists coupon codes for this merchant but pays no cash back on purchases.source
GoCashBack
Up to 7%A maximum, not a standing rate. GoCashBack pays the top rate only on some categories, and the everyday rate is usually lower.source
Lollinot on other comparison sitespaid in bitcoin
Up to 0.4133%A maximum, not a standing rate. Lolli prints only the ceiling, and the everyday rate is usually lower.source
Extrabux
Rate not publishedThis portal lists the merchant but did not show a rate we could read. That is different from paying nothing.source
Hoopla Doopla
Rate not publishedThis portal lists the merchant but did not show a rate we could read. That is different from paying nothing.source
Raisenot on other comparison sites
Rate not publishedThis portal lists the merchant but did not show a rate we could read. That is different from paying nothing.source
Sunshine Rewards
Rate not publishedThis portal lists the merchant but did not show a rate we could read. That is different from paying nothing.source
MaxRebates
Not carriedThis portal does not cover this merchant.

Rates move without notice, so treat anything more than a couple of days old as worth re-checking at the portal before you shop.

How to get Target cashback, step by step

  1. Open Fluz's Target page and buy a gift card for the amount of your Target order. The rate as we last read it was 5%. Instant. The cashback lands in the Fluz balance when the gift card is bought.
  2. Pay for your Target order with that gift card, the same way you'd use any Target gift card.
  3. Buy only what you'll spend. The cashback is paid when you buy the card, and a card balance you never use is money parked at Target, not savings.
  4. Get paid. Fluz pays by: Bank transfer (ACH), PayPal or Venmo, or spent in the app on more gift cards. Without a US bank account, PayPal or Venmo. Minimum: $15 in lifetime earnings once, then $1 per withdrawal. Timing: On request; 2 to 7 business days. Fluz charges no fee, but passes on any transfer fee it's charged.

Getting paid, portal by portal

Each portal's own help pages, as written there. The source link on each row goes to the page it came from. These are the portal's terms, not Target's.

PortalPaid byMinimumConfirmation window
FluzsourceBank transfer (ACH), PayPal or Venmo, or spent in the app on more gift cards. Without a US bank account, PayPal or Venmo.$15 in lifetime earnings once, then $1 per withdrawal.Instant. The cashback lands in the Fluz balance when the gift card is bought.
BeFrugalsourceCheck, PayPal, direct deposit, Venmo, Zelle or an eGift card. Check and direct deposit are US only.$0.01 for PayPal or direct deposit; $25 for a check.Verified cash back sits in the account for 30 to 90 days, set by the retailer's return policy and its payment cycle with BeFrugal. Store pages say cash back is typically available for payment 15 to 60 days after purchase.
TopCashbacksourceBank transfer, Venmo, PayPal, gift cards, a Virtual Visa Prepaid Card or an American Express Virtual Reward Card.None for PayPal, Venmo or bank transfer; some gift cards have one.No fixed window. Cash back goes pending, then confirmed once the retailer reviews the order, then payable once the retailer's network is invoiced. TopCashback prints an estimated payout speed on each merchant's page.
RakutensourceBig Fat Check by mail, PayPal, American Express Membership Rewards points, or Bilt. A confirmed balance of $5.00 or more can also be redeemed as a gift card within minutes.$5.01 in confirmed cash back before the payment date; $5.00 or less carries over to the next one.3 to 14 weeks for online and in-store purchases; 45 to 120 days for travel.
Active JunkysourceCheck, PayPal, Venmo or a credit/debit card. Approved cash back can also be cashed out early as a gift card.None stated for the monthly payout. Cashing out early as a gift card takes $5.01 in approved cash back.Orders stay pending until the partner store approves them. For travel and events, partners typically approve within about 3 months after the trip or event.
Price.comsourceDebit card deposit, PayPal, Venmo, Zelle, gift cards, a donation to charity, or crypto.$10 per withdrawal, with a $500 cap per withdrawal and per day.Typically 30 to 90 days: pending until the retailer confirms the purchase and its return period ends.
RebatesMesourcePayPal, credit card, Alipay, check or gift cards.$10 in available cash back, not counting bonuses.Cash back becomes available after the 90-day return window.
GoCashBacksourcePayPal, check, gift card (US only) or Helipay.$10 in withdrawable cash back, not counting sign-up, referral or activity bonuses for the first withdrawal.It can take up to 120 days for cash back to become available.
LollisourceTransfer to any bitcoin address if you're earning in bitcoin, or withdraw to a US bank account. Lolli holds the bitcoin in a custodial wallet until you withdraw it.$15 in available balance.Rewards become available once each retailer's confirmation period has passed, typically 90 days after the purchase or completed travel reservation. It can take up to 90 days.
ExtrabuxsourcePayPal, eGift cards, ACH bank deposit (US only), check (US only), or a donation to a charity.$10 available balance, with at least one confirmed purchase carrying more than $1 in available cash back.Usually tracked within 1 to 7 days of purchase, then held through a 90-day window for returns or cancellations at most stores before it becomes available.
Hoopla DooplasourceCheck, Venmo or PayPal.$5.00 in approved cash back per period, for PayPal, Venmo and paper checks alike. A balance under that carries over to the next period.Usually posts within 10 days of purchase, then becomes yours after 90 days.
RaisesourceRaise Cash, posted to your Raise account each time you buy a gift card. It's redeemed at checkout on Raise toward any gift card or other product Raise sells, and Raise's catalogue includes a Prepaid Mastercard. Raise doesn't offer cash distribution, bank transfers or PayPal transfers.None to redeem; Raise applies it at your next checkout. Gift cards must be bought for at least $5, and with more than $1,000 in Raise Cash on hand you have to redeem some before earning more.Posted to the Raise account when the gift card is bought, and rescinded if that purchase is refunded or cancelled for any reason.
Sunshine RewardssourcePayPal, or gift cards from time to time through the Redemption Center.20.00 in credits, and the account has to be at least 45 days old. Cashouts are capped at $500 a month.Earnings should post within 10 days. Sale credits are then held: 28 days per the help page, 21 days from the date of purchase per the terms page.

Does Target have its own cashback or rewards program?

Yes, and three different things wear the Target Circle name, so it's worth sorting them before you compare portals. Only one of the three is a number the table has to beat, and one of them is a percentage Target stopped paying in 2024 that still turns up in write-ups.

  • Target Circle, the free one. Target's help page calls it "the free and easy way to get the most deals at Target" and lists what you get: "Get access to deals automatically applied at checkout", "Earn Target Circle Rewards and save with personalized deals", and a vote on where Target gives locally source. It "does not require a credit or debit card" source. What it no longer does is pay a flat percentage. Target's terms give the date: "Beginning April 7, 2024, Target Circle members will no longer earn Target Circle Earnings rewards (the former name of Target Circle Rewards) at a rate of 1% of the eligible purchase amount every time a member uses a non-Target Circle Card form of payment" source. The help page says it in five words: "We'll be removing the 1% earnings." source. If you see 1% back attached to Target Circle anywhere, it's describing the old program. Rewards now come from a Target Circle Bonus, which the terms define as "a personalized offer that you may get while being a member of Target Circle either to receive additional savings or promotional items or to earn Target Circle Rewards" source. So the shape is: activate a bonus, meet its condition (a spend threshold, a category, sometimes "the use of a Target service (e.g., Drive Up or Order Pickup)"), and a dollar amount lands in your account source. Rewards "will expire if you have not earned or redeemed any Target Circle Rewards for one year", and they spend as a discount at Target, never as cash: "the entire amount will be applied to your next purchase as a Target discount" source. One more line worth knowing before you build a habit around it: "Resellers are expressly excluded from Target Circle." source
  • Target Circle Card, the 5%. This is the one the table has to beat. It's a payment card, "(formerly RedCard)" in Target's own terms source, and its promise is "Get 5% off your Target purchase instantly at checkout." source. Two versions matter for you. The debit card links to your checking account, "No bills, no credit check" source, so the 5% is open to you without an application decision hanging over it. The credit card is "issued by TD Bank, USA, N.A." source, and as we read the page it carried a sign-up bonus, "Get $50 in Target Circle Rewards when you're approved for a Target Circle credit card", with the fine print "Must apply by 9/26" source. The Mastercard version also earns away from Target: "Earn 2% on dining and gas purchases" and "1% everywhere else outside of Target" source. The 5% is a discount off the price at the register, not cashback paid later, which is why it beats a tracked portal payout on the same order: you see it before you pay, and a return can't claw it back. Its exclusions, and one sharp interaction with gift cards, are in the exclusions section below.
  • Target Circle 360, the membership. This is delivery, not rewards. The regular price is "$10.99/month or $99/year" source. Cardholders and verified groups pay half: "For verified audiences (teachers, military, college students, and government assistance recipients) and Target Circle Card holders with a Target Circle Card (debit or credit) saved to their Target account, the subscription price is $4.99/month or $49/year." source. What it buys is same-day delivery, which "Applies to orders over $35." source, plus "Free 2-day shipping on hundreds of thousands of items" and "No-rush returns with an extra 30 days" source. There's a trial door: "You can try Target Circle 360 for free for 14 days!" source. Nothing in it pays a percentage on a normal order, so it sits underneath the portals rather than competing with them.

Put together: the card's 5% is the bar, Circle deals and Rewards are Target-side discounts that live alongside whatever a portal pays, and Circle 360 is a delivery plan with a returns perk attached.

What Target cashback stacks with

The short version: the Circle Card 5% and Target Circle deals stack with a click-through portal, and nothing in the Target terms at Rakuten or TopCashback says otherwise. Those two are the click-through portals whose Target terms this page quotes. Sale prices stack. A Target promo code stacks only if it came from the portal's own page. Paying with a gift card, which is what the Fluz route is, isn't named by either of them, but it does cost you the card's 5% on that portion, and that one is Target's rule rather than a portal's. Price.com pays nothing on Target, so there's nothing on that row to stack.

LayerStacks with portal cashback?Notes
Target promo codesDepends where the code came fromRakuten: "Using coupon codes that are not listed on Rakuten will void Cash Back." source. TopCashback excludes "Use of a coupon code not displayed on TopCashback." and invites the other direction: "check this page for any featured Target coupon codes that you can combine with your Cash Back rewards for even more savings" source. Target's side of it: "If a Target coupon is accepted on Target.com, it will include an alpha-numeric promo code that you enter during checkout (for example, TGTXXXXX)" source, "Some offers require that only one promo code be applied", and codes "do not apply to sales tax or gift cards, and may not apply to some shipping and handling fees" source.
Target Circle deals and BonusesNot named as excluded by Rakuten or TopCashbackThese aren't codes. They "will apply automatically to your purchase when you identify as a Target Circle member at checkout", which online means being signed in source. Neither one's Target terms mention them, and Rakuten's page recommends "using the Target app to find exclusive store offers" alongside its cashback source. Target's own per-item limit: "only one item level Target Circle Deal will apply and one category level Target Circle Deal will apply" source, and "Clearance is excluded from Target Circle deals unless otherwise noted." source
Sale prices, Circle Week, Deal DaysYesA sale price is still a price, and TopCashback pays on "the item(s) price" source. Its page says it plainly: "remember that you can combine your savings with any Target Cash Back and any promotions that you see on this page to ensure the ultimate bargain" source.
Target Circle Rewards, spending themNot named; expect cashback on what you paidTarget applies a redemption as "a Target discount" source, and TopCashback calculates on "the item(s) price" source. Neither Rakuten nor TopCashback says what it does with a Rewards redemption, so plan on the discounted figure. On earning: Rakuten lists "Target Circle Earnings" among its exclusions source, the old name for Rewards, and the 1% earn that line was written for ended April 7, 2024 source.
Target Circle Card 5% and other card rewardsYesIt's Target's discount at the register, and neither Rakuten's nor TopCashback's Target terms name the card. Rakuten's page says so in old vocabulary: "You'll still get your REDcard discount too." source. Target's arithmetic: "5% discount applies to eligible purchases minus any other discounts and the value of any promotional Target GiftCards received in the transaction" source, and Rewards go first: "any applicable Target Circle Card 5% discount will be applied to the transaction after the Target Circle Rewards are redeemed" source. Any other card's rewards stack the same way, because your issuer pays on the charge and the portal pays on the tracked order; the pillar guide covers how.
Target Circle 360Yes for the benefits, no for the feeRakuten excludes "Target Circle 360" by name source, and TopCashback pays only on its four listed departments, none of which is a membership source. Target agrees from its side: "Target Circle 360 Monthly Membership" is excluded from promotions source and "Target Circle 360 membership fees." from the card's 5% source.
Gift cards, including the Fluz cardBuying one, no at Rakuten or TopCashback. Paying with one, not named by either, and it costs you the Circle Card 5% on that portionRakuten excludes "Prepaid and Gift Cards" source and TopCashback "prepaid and gift cards" source, both as things you buy. Neither one's Target terms say paying with a gift card voids cashback, and we don't turn silence into a yes. Target's rule is the one that bites: "If you use a Target Circle Card in the same purchase transaction with another form of payment, the 5% discount will apply only to the purchase amount tendered to your Target Circle™ Card." source, and "Target GiftCards will always be used as first type of tender before charging a credit/debit card." source. So a $100 order paid with an $80 Fluz card and the Circle Card gets 5% on $20. Fluz's own cashback lands when you buy the card, before Target sees the order.
Manufacturer couponsOne per item, on Target's side"No more than one manufacturer coupon (paper or digital) can be combined with other discounts on any item, unless otherwise stated." source. "Paper Manufacturer Coupons are valid for in store purchases." source, and the digital ones in Circle "do not stack with paper manufacturer coupons" source.
A second portalNeverOnly one tracking click gets credit, and TopCashback makes a double attempt fail outright: "To be eligible for Cash Back on all products, you must begin your purchase with an empty shopping cart." It adds "If you wish to place multiple orders, you must click through TopCashback each time to make sure your Cash Back tracks for each one." source. The pillar guide explains why the last click wins.

Target cashback exclusions and what breaks tracking

The thing to know before any list: Rakuten and TopCashback, the two click-through portals whose Target terms this page quotes, each pay on a slice of Target, and it's roughly the same slice at each, clothes, baby gear, beauty and home. Groceries, electronics, toys and the pharmacy are out at both. Rakuten adds one that isn't a product at all: Drive Up orders. If your Target order is a grocery run or a Drive Up, read the two FAQ questions on those first.

  • Rakuten's category gate. "Cash Back is only available on the following categories: Apparel, Jewelry & Accessories, Baby Gear, Furniture, Kitchen, Home Decor, Beauty, Personal Care, Bath, Outdoor Furniture and Decor." source. Its tier list names "Apparel & Accessories", "Baby Gear & Furniture", "Beauty & Personal Care", "Home & Outdoor Living" and "Other Categories" source. The excluded list is long, and it names the departments most Target orders come from: "Small Appliances, Toys, Home Electronics, Bicycles, Grocery, Household Commodities and Essentials, Diapers, Wipes, Baby Food and Formula, Baby Toiletries, Pets, Sports & Outdoors, Movies, Video Games and Consoles, Apple products, Target Pharmacy and OTC, Target Photo, Target Optical, Target Cafe, Prepaid and Gift Cards, Target Circle Earnings, Target Circle 360, Music, Books, SweetJOJO, Contract Mobile, and Drive Up items/orders are excluded from earning Cash Back." source. Then the site rule: "Cash Back is only available on orders completed and shipped through the Target US site." That "shipped" is the word that takes out Drive Up, and the list says so outright; Order Pickup isn't named either way source. Three more: "Cash Back is not available on orders deemed by Target to be for reselling purposes.", "Orders which receive a free gift card will have the Cash Back eligible amount of order reduced by the amount of the free gift card.", and a narrow exception, "Select P&G products in otherwise excluded categories are eligible for Cash Back. Eligible products include: bumbum Diapers, Amore by Pampers Diapers, Venus, Gillette, Braun, Swiffer" source.
  • Where Rakuten's page disagrees with itself. Its editorial paragraph invites you to stack "on top apparel brands, kitchen essentials, electronics and more" and to "grab your favorite seasonal food items", while its terms exclude "Home Electronics" and "Grocery" source. Its coupon tip reads "Target lets you stack up to three coupons per item. Find a manufacturer's coupon, a Target coupon and a Cartwheel offer to get the biggest savings. You'll still get your REDcard discount too." source; Cartwheel and REDcard are names Target retired, and the current count is in the coupon policy below. Its FAQ's claim that "Target's introductory discount for registering with Target Circle is 15%." source is Rakuten describing Target, and Target's own Circle pages quoted above describe the program without it. The terms are the part Rakuten will hold you to. Read those, not the paragraph.
  • TopCashback's four departments, and the gate around them. The page lists "Clothing, Shoes and Accessories", "Baby Gear & Furniture", "Health & Beauty" and "Home & Outdoor Living" source. Everything else is out by construction: "Purchases of products from categories not listed above, including groceries, household commodities and essentials, baby care items (such as diapers, wipes, food and toiletries), pets, electronics, toys, sporting goods, movies, video games and consoles, Target Pharmacy and OTC, Target Photo, Target Optical, Target Café, prepaid and gift cards, music, books, SweetJOJO, registries and contract mobile." source. Note "registries" in there: a registry purchase is off the table at TopCashback, and it's the only page quoted here that says so.
  • TopCashback's terms. "Cash Back is calculated only on the item(s) price and does not include taxes, shipping or other fees." "Cash Back earned cannot exceed the total purchase amount." "To be eligible for Cash Back on all products, you must begin your purchase with an empty shopping cart." "If you wish to place multiple orders, you must click through TopCashback each time to make sure your Cash Back tracks for each one." And if an order doesn't show up: "Should your Cash Back fail to track automatically, please submit a Missing Cash Back Claim within 100 days of your order." source. One more, printed at the top of the page for Safari users: "With this Safari browser, we cannot guarantee that your Cash Back will track for this retailer. Please use an alternative browser on your device (e.g. Chrome) to get Cash Back." source. If you're on an iPhone or a Mac, that's a real instruction. What the page doesn't carry is also worth knowing: there's no line about Drive Up, pickup or the app, and no Target-specific returns line, only the site-wide one, "We need to wait until the retailer's return period is over (because any items that are returned will disqualify your Cash Back)" source.
  • Price.com. "Cash back and coupons are not currently available for Target." source. No rate, no codes, nothing to track, so there's nothing to exclude either.
  • Fluz's card limits. Cards run "from $10–$500", work "in-store and online", and the spec block says "Non-refundable", "Does not expire" and "Non-reloadable", with the issuer listed as Target source. The card terms printed on the page: "Redeemable for merchandise or services (other than gift cards and prepaid cards) at Target stores in the U.S. or Target.com and cannot be redeemed for cash or credit except where required by law." and "Target is not a participating partner in or sponsor of this offer." source. Two lines to read before you rely on it: Target replaces a lost card only "with the original purchase receipt", and Fluz's answer on a lost card is "Please keep your card details safe and contact the Fluz support team in the Fluz app if you need assistance." source. On a return, "the funds will be refunded to a gift card with that merchant" source, so a returned Fluz-paid order comes back as Target credit, not cash. Fluz doesn't print a per-order card limit for Target; Target does, below. And "Fluz does not charge any fees to purchase a gift card." source
  • Target's gift card rules, which the Fluz route inherits. "Redeem up to 10 gift cards per transaction in stores or online." "Target GiftCards will always be used as first type of tender before charging a credit/debit card." "Target GiftCards don't expire, and don't lose value over time, even if this is printed on gift card." "Target GiftCards require an access number to redeem the gift card funds in store or on Target.com." source. What they can't buy: "Purchase Target GiftCards", "Purchase specialty gift cards (gaming, restaurants, etc.)", or make a Target Circle Card payment source. Circle Rewards aren't earned on "purchases of Target GiftCards" either source. A card keeps its own leftover balance, so a $60 card on a $58 order leaves $2 on that card. On refunds: "Purchases made with a Target GiftCard will be credited back as a new Target eGiftCard." source. And the cards themselves are final: "Specialty gift cards, pre-paid gift cards and Target GiftCards cannot be returned or redeemed for cash or credit except where required by law." source
  • What the Circle Card 5% doesn't cover. From Target's help page: "Prescriptions, over-the-counter items located behind the pharmacy counter and clinic services at Target.", "Target Optical eye exams and protection plans (Target Optical products, such as glasses and contact lenses, do receive the 5% discount).", gift cards of every kind ("Target GiftCards; Visa, Mastercard and American Express prepaid cards; Game On, DraftKings, and other sports betting gift cards; and Starbucks gift cards purchased at Starbucks locations within Target stores."), "Previous purchases.", "Target Circle 360 membership fees.", "Alcohol purchases in Indiana.", and "Taxes, shipping, delivery, handling and all other fees or charges" source. Delivery fees are called out again on the 360 page: "Delivery fees are not eligible for Target Circle® deals, team member discounts, or the Target Circle™ Card 5% discount." source. Two things it does cover that people assume it doesn't: in-store Starbucks ("Save at any in-store Starbucks location.") and specialty gift cards for other brands, which the card page lists as 5% off "gift cards for travel, dining and more" source.
  • Target's own promotion exclusions. This is the list a Target promo code or Circle deal won't touch, and it's mostly big-brand electronics and toys: "Excludes alcohol, Apple, Barbie camper, Barbie Dreamhouse, Beats, Bose, Bogg Bag, Breville, Casper, clinic & pharmacy, dairy milk, Dyson" and on through "LEGO", "Nintendo Switch/Switch 2 hardware, games and accessories", "Stanley", "Target Circle 360 Monthly Membership", "Trading Cards" and "Xbox hardware" source. Put that next to the two portals' exclusions and the practical read is this: an Apple, Dyson or console order at Target is full price plus the card's 5%, and nothing else in this article applies to it.
  • Target Plus partners. "Most unopened items sold by Target Plus in new condition and returned within 30 days will receive a refund." against 90 for the rest source, and Circle Rewards can't be redeemed on "purchases made at some partner businesses, including in-store clinics, Target Optical and Target Plus Partners" source. Neither Rakuten's nor TopCashback's Target terms draw a Target Plus line, so we don't either. Check the sold-by line on the product page before you count on the return window.
  • Returns and timing. Target's window: "Most unopened items sold by Target in new condition and returned within 90 days will receive a refund or exchange." source. Target's own brands get a year, "return it within one year with a receipt for an exchange or a refund" source. Shorter ones: "Electronics and entertainment items (excluding Apple® & Beats products) must be returned / exchanged within 30 days." and "All Apple® & Beats products (including mobile phones) must be returned / exchanged within 14 days." source. The card and the membership each add 30 days, with one carve-out: "The 30-day extended return window for Target Circle Card holders is not extended to Target Owned Brand items." source. That 90 days is why the portals make you wait, and a return reverses more than the cashback: "When you return any item, your return credit will not include any promotional discount or coupon that applied to the original order." source, and on Rewards, "Target reserves the right to take your Target Circle Rewards to a negative balance" source.

What breaks tracking at any store, Target included (the pillar guide has the portals' own wording on each):

  • A second coupon or cashback extension that fires after the one you're earning with, so its click is the last one Target sees.
  • Starting on one device and finishing on another, including clicking through on a laptop and buying in the Target app. The click has to happen where the checkout happens.
  • Ad blockers, cookie blocking, and on TopCashback's own warning, Safari.
  • Items already in the cart before the click. TopCashback states the empty-cart rule outright on its Target page.
  • Choosing Drive Up at checkout on a Rakuten order, since "Drive Up items/orders" are on its excluded list.
  • A return, an exchange or a cancellation, which reverses the commission the cashback was going to be paid from.

Target cashback rate history

Only changes are listed. Re-confirmations are not noise worth showing.

  1. BeFrugal3%
  2. Price.comNo cash back
  3. Price.commerchant dropped by this portal
  4. BeFrugal2%
  5. Hoopla Dooplarate no longer published
  6. LolliUp to 0.4133%
  7. Price.comNo cash back
  8. Price.commerchant dropped by this portal
  9. Raiserate no longer published
  10. LolliUp to 0.31%
  11. MaxRebatesmerchant dropped by this portal
  12. GoCashBackUp to 7%
  13. Active JunkyNo cash back
  14. Sunshine Rewardsrate no longer published
  15. Extrabuxrate no longer published
  16. RebatesMeNo cash back
  17. BeFrugal0.1%
  18. Price.comNo cash back
  19. Fluz5%
  20. Price.commerchant dropped by this portal
  21. TopCashback2%
  22. Rakuten1%

How these Target numbers were produced

Target cashback FAQ

Which portal pays the most for Target cashback right now?

Fluz, at 5%. That's the rate a returning shopper gets, which is how the table ranks: an "up to" ceiling or a new-customer rate never takes this spot over a lower rate everyone gets.

How long does Target cashback take to pay out?

On a click-through portal there are two waits, one after the other: the portal has to confirm the order with Target, which mostly tracks Target's return window, and then the confirmed balance has to be paid out, which is the portal's own rule. Buying Target's gift card through a portal skips the first wait: that cashback is paid when the card is bought.

Is there a minimum payout?

Does Target cashback work in the Target app?

Not the click-through kind, as far as Rakuten's and TopCashback's pages say. Rakuten pays only on "orders completed and shipped through the Target US site" source, and the only app mention on its page is a tip to use it for finding offers, not for buying. TopCashback's steps end with "Just add items to your cart and place your order like normal." after clicking through on its site, with no mention of the app at all source. The click has to happen in the browser that checks out. Fluz is the exception because it's a payment, not a click: its cards are redeemable "in-store and online" source, and in a store the Target app is how you'd pay with one, since after picking saved cards in the Wallet, "Scan your barcode and your selected gift cards will apply." source. Circle deals live there too: "To redeem your Target Circle Deals in store, you may use your Wallet on the Target App on your mobile device" source. So if the app is how you shop, Fluz, the Circle Card and Circle deals are the three routes that fit how you actually buy.

Can I use a Target promo code or a Target Circle deal and still get cashback?

A code, only if it came from the portal's own Target page: Rakuten says "Using coupon codes that are not listed on Rakuten will void Cash Back." source and TopCashback excludes "Use of a coupon code not displayed on TopCashback." source. A Circle deal is different, because it isn't a code you type. It applies on its own when you're signed in, neither Rakuten nor TopCashback names it, and Rakuten's page tells you to go find them source. Target's limits sit under both: per item, "only one item level Target Circle Deal will apply and one category level Target Circle Deal will apply" source; "Only one manufacturer coupon (paper or digital), one Target category offer, and one Target item level offer can be combined per item." source; "Some offers require that only one promo code be applied." source; and "Target Circle Deals cannot be applied with a competitor price match" source. With Fluz, nothing on its page limits codes or deals source, so the card, the code and the deal go in the same checkout.

Can I get cashback on Target groceries?

Through Rakuten, no: "Grocery" and "Household Commodities and Essentials" are on its excluded list, with a small P&G exception for products like "Venus, Gillette, Braun, Swiffer" source. Through TopCashback, no: "groceries, household commodities and essentials" are excluded, and so are "baby care items (such as diapers, wipes, food and toiletries)" source. Through Fluz, yes, because the card is a payment rather than a tracked order and its terms cover "merchandise or services (other than gift cards and prepaid cards)" source. The Circle Card's 5% covers the grocery cart too; the only food-adjacent line on its exclusions list is "Alcohol purchases in Indiana." source. One thing to plan around if you spend a Fluz card on Same Day Delivery: "Same Day Delivery requires an additional form of payment when using gift cards in case of special requests or substitutions." source. And Circle Rewards can't be redeemed on "dairy product purchases" or "adult beverage purchases" source. If Target is where your groceries come from, Fluz plus the card is the stack that actually touches that order.

Does Drive Up or Order Pickup earn cashback?

Drive Up, not through Rakuten: "Drive Up items/orders" are on its excluded list, and its site rule wants orders "completed and shipped through the Target US site" source. Order Pickup isn't named on Rakuten's page either way, so we can't call it a yes. TopCashback's Target page says nothing about fulfillment at all source, so on that portal the choice at checkout isn't a stated rule. Fluz is fine with both, with one small exception on Target's side that only matters if you're buying gift cards themselves: "GiftCard orders are excluded from Order Pickup." source. And a Circle Bonus can actually reward the choice: a qualifying purchase may require "the use of a Target service (e.g., Drive Up or Order Pickup)" source. If you're earning through Rakuten, pick shipping. If you're earning through Fluz or a Bonus, pick whatever's easiest.

Can I get cashback on a Target Circle 360 membership?

Not through Rakuten, which lists "Target Circle 360" in its exclusions source. Not through TopCashback, which pays only on "Clothing, Shoes and Accessories", "Baby Gear & Furniture", "Health & Beauty" and "Home & Outdoor Living" source. Target says the same from its side: "Target Circle 360 Monthly Membership" is excluded from promotions source and "Target Circle 360 membership fees." from the card's 5% source. If you want it cheaper, the doors Target itself offers are the half-price plan, "$4.99/month or $49/year" for cardholders and verified teachers, military, students and government assistance recipients source, and the trial, "You can try Target Circle 360 for free for 14 days!" source. One catch on the trial: for the Bonuses Target runs for 360 members, "Trial memberships are not eligible." source

Is there a minimum order for Target cashback?

Neither Rakuten's nor TopCashback's Target page states one. The limits run the other way: TopCashback pays on "the item(s) price" only and "Cash Back earned cannot exceed the total purchase amount." source, and a Fluz card runs "from $10–$500" source with Target's own cap of "up to 10 gift cards per transaction in stores or online" source, so a single Fluz-paid order tops out at ten cards. The threshold you'll actually feel is shipping: "Spend $35 or more using any payment method (excluding AK, HI & U.S. protectorates)." and it's counted "after all applicable promotions and discounts have been applied, not including tax" source. Paying with the Circle Card or holding Circle 360 are the other two doors Target lists, each with the line "Minimum purchase threshold may apply." under it source. Payout minimums are per portal, in the questions above.