Best card for Target
The highest rate on paper is The Blue Business® Plus Credit Card from American Express at 4.00% -- but it is a business card. For personal cards, Bilt Palladium Card leads at 3.60%. On $100, that is about $3.60 back (estimate).
Target maps to general spend in DanHana's catalog, not a bonus category -- so the whole game here is picking the best flat-rate card.
Best card · Everything else
Bilt Palladium Card
2x × 1.8¢ = 3.60%
On $100, that is about $3.60 back (estimate).
Annual fee: $495/yr.
Its $495 annual fee is not covered by the earn rate alone -- its other perks have to justify the fee for you.
Highest rate overall: The Blue Business® Plus Credit Card from American Express at 4.00% (business card). Its 2x applies to the first $50,000 of spend per year, then drops to 1x (catalog note).
Best no-fee personal card: Citi Double Cash® Card (3.00%).
Top 3 compared
| Card | Earn math | Estimated return | Annual fee | Foreign transaction fee |
|---|---|---|---|---|
| The Blue Business® Plus Credit Card from American Express (business card)Its 2x applies to the first $50,000 of spend per year, then drops to 1x (catalog note). | 2x × 2¢ | 4.00% | $0 | Yes |
| Bilt Palladium CardIts $495 annual fee is not covered by the earn rate alone -- its other perks have to justify the fee for you. | 2x × 1.8¢ | 3.60% | $495/yr | None |
| Citi Double Cash® Card | 2x × 1.5¢ | 3.00% | $0 | Yes |
How is this ranking computed?
Effective return = category earn rate × point value. Example: 4x × 2.0¢ = 8.00% back (estimate).
Ranked across 91 cards open to new applicants in DanHana's catalog (debit cards and cards closed to new applicants excluded).
Every % here is an estimate: point values are catalog assumptions, and actual value depends on how you redeem.
A payment place's category comes from DanHana's merchant map; if a specific location codes differently, the card falls back to its everything rate.
This page ranks the full catalog. Inside DanHana, the same math re-ranks by the cards in your own wallet -- so your personal best at Target may differ.
Some bonus rates have annual caps -- the panel flags the ones that matter for the winners above.
Questions about paying at Target
What is the best card for Target?
The highest rate on paper is The Blue Business® Plus Credit Card from American Express at 4.00% -- but it is a business card. For personal cards, Bilt Palladium Card leads at 3.60%. On $100, that is about $3.60 back (estimate).
Is there a bonus category for Target?
Not in DanHana's catalog: Target maps to general spend ("everything"), so no card pays a Target bonus rate here. A flat-rate card -- the highest everyday rate you can get -- is the entire strategy.
I already have the Citi Double Cash® Card. Should I switch?
Citi Double Cash® Card earns 3.00% -- about $0.60 less per $100 than the top card (estimate). No need to switch for this one category alone; it only pays if you spend a lot here.
Are these returns guaranteed?
No -- every figure here is an estimate. Point values are catalog assumptions (e.g. Membership Rewards 2.0¢, Ultimate Rewards 1.5¢, cash back 1.0¢), and your actual value depends on how you redeem. Bonus rates can have annual caps, and issuers change terms -- check the card's official terms before applying.
Sources
Page updated: October 28, 2026