Is Target Circle 360 Worth It in 2026? When Is Target Circle Week?

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Is Target Circle 360 worth it in 2026?

Target Circle 360 is usually worth it when you would pay for same-day delivery about 10 or more times a year, or about 5 times a year if you have a Target Circle Card. The math comes straight from Target's own prices: the membership costs $99 a year, and a single same-day delivery costs $9.99 without it, so 10 deliveries at $9.99 ($99.90) already cover the fee. With a Target Circle Card saved to your Target account, the membership drops to $49 a year, so 5 deliveries ($49.95) cover it.

Your situation	Yearly cost of Circle 360	Same-day deliveries to break even	Usually worth it?
No Target Circle Card	$99 a year ($10.99 a month)	About 10	Yes if you order same-day delivery roughly monthly or more
Target Circle Card saved to your account	$49 a year ($4.99 a month)	About 5	Yes for most regular same-day delivery users
Mostly Drive Up or Order Pickup	Not needed	Not applicable	Usually no, since Target says Drive Up and Order Pickup are free
Mostly 2-day shipping	Not needed if you hold a Circle Card or spend $35 or more	Not applicable	Usually no, since free 2-day shipping is open to Circle Card holders and $35 orders

According to Target, same-day delivery is available to 80% of the US in more than 5,000 cities, with more than 300,000 shoppers filling orders, and Circle 360 members get same-day delivery from Target and other local stores with no markups plus a choice of monthly freebies. Target also says Drive Up is available at nearly every Target store and Order Pickup at all stores, both free, so if you are happy to collect your order, the membership matters less.

Who usually gets the most from Circle 360: busy households that order same-day essentials every week or two, people without easy access to a car, and Circle Card holders, for whom the $49 price makes the break-even point low.

Target Circle 360 membership cost in 2026

Target Circle 360 costs $99 a year or $10.99 a month in 2026, and $49 a year or $4.99 a month with a Target Circle Card, according to Target.

Option	Price, according to Target	What you get
Target Circle (free)	Free	Target's free membership with Target Circle deals
Target Circle 360	$99 a year or $10.99 a month	Unlimited same-day delivery on qualifying orders, free 2-day shipping, monthly freebies
Target Circle 360 with a Target Circle Card	$49 a year or $4.99 a month	Same as above at the card holder price
Same-day delivery without a membership	$9.99 per delivery	Pay per order
Free 2-day shipping	Free for Circle 360 members, Circle Card holders, or on orders of $35 or more	Hundreds of thousands of items

The card holder price applies when a Target Circle Card (credit or debit) is saved to your Target account, and Target notes it cannot be applied to previous purchases or combined with other promotions.

When is Target Circle Week?

Target Circle Week is Target's members-only sale event, and it runs a few times a year. Recent events ran in April 2024 and October 2025, according to Target's corporate media library. Target usually announces exact dates shortly before each event, so check the Target weekly ad and the Target page on ShopBack as the date approaches. You need a free Target Circle account to see Circle Week deals; you do not need Circle 360.

Two habits help during Circle Week: build your cart before the event starts so you can check out early, and go through ShopBack before you check out so the order costs less after you pay.

Target Circle: Target's official membership and rewards programme

Target's official membership programme has three parts: Target Circle (free), Target Circle 360 (paid delivery membership) and the Target Circle Card (payment card). Here is what each one does, using Target's own descriptions.

• Target Circle (free). Target's free membership. Join with a Target account to see Target Circle deals, including Circle Week offers.
• Target Circle 360. The paid tier for same-day delivery, free 2-day shipping and monthly freebies, at the prices above.
• Target Circle Card. Target renamed RedCard as the Target Circle Card in April 2024. According to Target, the card gives 5% off every day at Target in store and online, free 2-day shipping on hundreds of thousands of items, an additional 30 days for returns and exchanges, and 5% off at in-store Starbucks locations, with no annual or monthly fees. It comes as a debit card linked to your checking account or a credit card that requires approval.

Target vs Walmart+ and Amazon Prime: membership cost comparison

Among the three main US retail memberships, Target Circle 360 is the lowest-priced paid tier for Target Circle Card holders at $49 a year, and $99 a year otherwise. The snapshot table below compares it with Walmart+ and Amazon Prime on fees, shipping, fuel and streaming. In short, each one fits a different shopper:

• Target Circle 360 fits households that already shop Target often and want same-day delivery from Target and other local stores.
• Walmart+ fits households that want grocery delivery, a fuel discount and a streaming perk in one membership.
• Amazon Prime fits households that order a wide range of items online and watch Prime Video.
• Costco is a warehouse club with a different model (bulk buying in store); see our Costco, Sam's Club and BJ's comparison for that side.

Using a Cashback site for Target orders in 2026

A Cashback site like ShopBack US lowers what you pay at Target: you start on ShopBack, shop at Target as usual, and part of what you spent comes back as cash. For merchants like Target, just as for Booking.com, Trip.com, Agoda and Expedia, going through ShopBack is an essential step before you check out, so you pay less on the same order.

Cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles. ShopBack lowers the effective price of flights, hotels and online orders after you pay.

Rates differ by category and change often, so check the live rate on the Target page on ShopBack US before you check out. Some categories and gift cards may not qualify, and the store page lists the current terms.

Other US stores on ShopBack for everyday and online shopping include Walmart, Kohl's, Best Buy, Temu and eBay, alongside Target. Amazon is not a ShopBack US merchant at the moment.

Target Circle 360 vs Walmart+ vs Amazon Prime: the full comparison

For US households in 2026, the right membership usually depends on where you already spend. Amazon Prime ($139 a year) usually suits shoppers who want broad shipping and streaming. Walmart+ ($98 a year) usually suits weekly grocery delivery plus a 10 cents per gallon fuel discount at participating Exxon, Mobil, Walmart and Murphy USA stations. Target Circle 360 ($99 a year, or $49 with a Target Circle Card) usually suits households that treat Target as their main store and order same-day delivery often. Amazon is not a ShopBack US merchant at the moment, so the ShopBack side of this comparison sits with Walmart and Target.

Snapshot: three memberships side by side

Prices and benefits below are as listed on each retailer's own pages at the time of writing. They change, so check each retailer's page before you sign up.

Axis	Amazon Prime	Walmart+	Target Circle 360
Annual fee	$139 ($14.99/mo)	$98 ($12.95/mo)	$99 ($10.99/mo), or $49 ($4.99/mo) with a Target Circle Card
Free shipping	Fast free shipping on eligible items	Free shipping, no minimum, on eligible items	Free 2-day shipping on hundreds of thousands of items
Same-day delivery	Available on eligible items in many areas	From your local Walmart on qualifying orders	Unlimited on qualifying orders from Target and other local stores
Fuel discount	None	10 cents per gallon at participating stations	None
Streaming perk	Amazon Prime Video	Streaming perk included (check Walmart's current option)	None
Break-even rule of thumb	Depends on shipping and Prime Video use	Depends on grocery delivery and fuel use	About 10 same-day deliveries a year at $9.99 each (about 5 with a Circle Card)

About ShopBack

ShopBack is a free Cashback app and website. In the US you activate ShopBack before you check out at stores such as Walmart and Target, then complete the purchase as normal. Cashback is credited to your ShopBack account after the retailer confirms the sale and can be withdrawn to your bank account. Your membership perks are separate from ShopBack and usually still apply, but check the merchant's terms on ShopBack for eligible categories. Amazon is not a ShopBack US merchant at the moment.

How we compared the three memberships

We checked each program's published prices and benefits on Amazon's, Walmart's and Target's own pages. We focused on national US retail memberships under $150 a year with same-day or 2-day delivery as a main benefit. Warehouse clubs (Costco, Sam's Club, BJ's) are covered in a separate comparison. Same-day availability depends on your ZIP code for all three.

The three memberships in detail

1. Amazon Prime: the broad shipping and streaming option

Amazon lists Prime at $139 a year or $14.99 a month at the time of writing. Benefits listed by Amazon include fast free shipping on eligible items, Prime Video, Prime Reading, Amazon Music and member pricing during Prime Day and Prime Big Deal Days. Prime Video has shown ads by default since early 2024, with an ad-free option for an added monthly fee.

Usually suits: households that order from Amazon several times a month and watch Prime Video regularly.

Amazon is not a ShopBack US merchant at the moment, so ShopBack does not apply to Prime orders right now.

2. Walmart+: grocery delivery plus a fuel discount

Walmart lists Walmart+ at $98 a year or $12.95 a month at the time of writing. Benefits listed by Walmart include free shipping with no order minimum on eligible items, delivery from your local store on qualifying orders, 10 cents per gallon off at participating Exxon, Mobil, Walmart and Murphy USA stations, a streaming perk, and Scan and Go in store.

Usually suits: households that shop for groceries weekly and drive often.

Check the live rate on ShopBack Walmart and go through ShopBack before you check out.

3. Target Circle 360: same-day delivery for Target regulars

According to Target, Target Circle 360 costs $99 a year or $10.99 a month, or $49 a year or $4.99 a month with a Target Circle Card saved to your account. It includes unlimited same-day delivery on qualifying orders from Target and other local stores, free 2-day shipping and monthly freebies. Target Circle 360 launched in April 2024, when Target relaunched its Target Circle program.

Usually suits: households that order Target same-day delivery every week or two, and Target Circle Card holders, for whom the $49 price makes the break-even point low.

Go through ShopBack Target before you check out, and check the live rate and eligible categories there.

Store cards and memberships: how they usually work together

Each retailer has its own card, and card benefits are set by the issuer, so read the current terms on the issuer's page before you apply. As published at the time of writing:

• Target Circle Card: according to Target, 5% off every day at Target in store and online, with debit and credit versions and no annual fee.
• Prime Visa (Chase): Chase lists its highest earn rate on Amazon and Whole Foods purchases for eligible Prime members.
• Capital One Walmart Rewards: Capital One lists its highest earn rate on Walmart.com purchases, including pickup and delivery.

A store card usually works separately from ShopBack, since one is a payment method and the other is a step before checkout. Even so, some categories or payment types may be excluded, so check the merchant's terms on ShopBack before you rely on both.

Which one should most households pick?

If you drive often, buy groceries weekly and want a streaming perk, Walmart+ at $98 is usually the closest fit. If you watch Prime Video regularly and order a wide range of items online, Amazon Prime at $139 usually fits better. If you shop Target most weeks and use same-day delivery, Target Circle 360 at $99, or $49 with a Target Circle Card, usually fits best.

Paying for two of the three only tends to make sense when your household has clearly different needs, such as fast Amazon shipping for a home business plus weekly Walmart grocery delivery. Before doubling up, add up your last three months of spend at each retailer.

Frequently asked questions

Is Target Circle 360 worth it, and when is Target Circle Week?

Target Circle 360 is usually worth it if you would otherwise pay for same-day delivery about 10 or more times a year: according to Target, the membership costs $99 a year, or $49 a year with a Target Circle Card saved to your account, while a single same-day delivery costs $9.99 without it. Target Circle Week is Target's members-only sale event that runs a few times a year; recent events ran in April 2024 and October 2025, and Target announces exact dates shortly before each one. Before you check out at Target, go through ShopBack US so the order costs less.

How much does Target Circle 360 cost in 2026?

According to Target, Target Circle 360 costs $99 a year or $10.99 a month. If you have a Target Circle Card (credit or debit) saved to your Target account, the price drops to $49 a year or $4.99 a month. Without a membership, same-day delivery costs $9.99 per order, and free 2-day shipping is available to Circle 360 members, Circle Card holders or on orders of $35 or more.

Which US retail membership is best value in 2026: Target Circle 360, Walmart+, or Amazon Prime?

It depends on where you shop. Amazon Prime ($139 a year) usually suits households that value shipping breadth, Prime Video and Prime Day. Walmart+ ($98 a year) usually suits households that buy groceries weekly, drive often (fuel discount at Exxon, Mobil and Walmart stations) and live in the same-day delivery zone. Target Circle 360 ($99 a year, or $49 with a Target Circle Card, according to Target) usually suits Target regulars who order same-day delivery often. Many households only need one of the three.

How much does Amazon Prime cost in 2026?

At the time of writing, Amazon lists Prime at $14.99 a month or $139 a year, the price set in February 2022. Prime Student is listed at $69 a year and Prime Access, the discounted tier for shoppers on qualifying government assistance programs, at $6.99 a month. Paying yearly costs about $41 less than 12 monthly payments. Check Amazon's Prime page for current pricing.

What is the Walmart+ gas discount and where does it work?

According to Walmart, Walmart+ members save 10 cents a gallon at participating Exxon and Mobil stations across the US, plus Walmart and Murphy USA fuel stations, using the Walmart app at the pump. As an illustration, a driver filling 15 gallons a week would save about $78 a year at 10 cents a gallon. Check Walmart's Walmart+ page for the current participating stations.

What does Target Circle 360 include that free Target Circle does not?

According to Target, Target Circle 360 adds unlimited same-day delivery on qualifying orders from Target and other local stores, free 2-day shipping and monthly freebies. Free Target Circle gives you Target Circle deals, including Circle Week offers. The Target Circle Card (formerly RedCard) is separate: Target says it gives 5% off at Target in store and online, whichever membership you have.

Is Paramount+ still free with Walmart+ in 2026?

Walmart+ has included a streaming perk for members, and Paramount+ Essential (the ad-supported tier) has been one of the options, activated by linking accounts through Walmart+. Streaming perks change, so check Walmart's Walmart+ page for the current option before you sign up.

Which credit card pairs best with each membership?

Each retailer has its own card: the Prime Visa from Chase for Amazon, the Target Circle Card (formerly RedCard) for Target, which Target says gives 5% off in store and online, and the Capital One Walmart Rewards card for Walmart. Earn rates and terms are set by the issuer and can change, so check the issuer's page before you apply. Card benefits usually work separately from ShopBack, but check the merchant's terms on ShopBack. Amazon is not a ShopBack US merchant at the moment.

Can I use ShopBack with Walmart+ or Target Circle 360, now that Amazon is not on ShopBack US?

Usually yes for Walmart+ and Target Circle 360, but check the merchant's terms on ShopBack. ShopBack Cashback works when you activate through ShopBack before checkout at participating merchants such as Walmart and Target, and it does not require you to skip your existing membership perks. Membership benefits (shipping, fuel discount, streaming) apply as normal, and Cashback is credited after the retailer confirms the sale, typically within a few weeks. Amazon is not a ShopBack US merchant at the moment, so Amazon Prime orders earn no Cashback through ShopBack; your Prime perks still apply. Always check the merchant's ShopBack page for the current eligible categories.

Is Amazon Prime worth it if you already have Walmart+?

It depends on how you use each one. Walmart+ covers grocery delivery and a fuel discount, while Prime covers broad shipping and Prime Video. Keeping both usually makes sense only if you use Prime Video regularly, order a lot of non-grocery items for fast delivery, or shop Prime Day. Look at your last three months of orders before renewing either.

Does Target Circle 360 grocery delivery match Walmart+ coverage?

Coverage differs. Walmart has more US stores than Target (roughly 4,600 versus roughly 1,900 to 2,000), which can mean wider grocery delivery reach outside big metros. Target says its same-day delivery reaches 80% of the US in more than 5,000 cities. Enter your ZIP code on both sites to check what is available where you live.

When do Amazon Prime, Walmart+, and Target Circle 360 run their biggest sales?

Amazon has usually held Prime Day in July and Prime Big Deal Days in October. Walmart has run its own Deals events around the same times. Target runs Target Circle Week a few times a year; recent events ran in April 2024 and October 2025, and Target announces dates shortly before each one. Black Friday (27 November 2026) and Cyber Monday (30 November 2026) cover all three.

The bottom line

Pick the membership that matches the store you already use most, check the card that goes with it, and go through ShopBack before you check out at Target or Walmart so the order costs less after you pay.

Sign up for ShopBack before your next Target order.

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Disclaimer: Membership fees, benefits and card terms are as published on each retailer's and issuer's pages at the time of writing and are subject to change. Cashback rates on ShopBack vary by store, category and campaign; check the current rate on each store's ShopBack page before purchase. Not financial advice.