Target Circle 360 Cost (2026): Price, Free Trial and Is It Worth It?

Target Circle 360 costs $99 a year or $10.99 a month as of November 2026, and Target’s help page says you can try it free for 14 days. Target Circle Card holders pay $49 a year or $4.99 a month, and verified students and government assistance recipients can get $4.99 a month. In return you get same-day delivery on orders over $35 with no delivery fee, free 2-day shipping on hundreds of thousands of items, monthly freebies and 30 extra days to return things.

I’m Trevor from Ecommerce Paradise, and I read Target’s own pages for this guide instead of repeating old blog posts, because the numbers have moved around. Even if you run a store in the high-ticket dropshipping world, Target is a useful yardstick: its shipping and delivery rules show what shoppers now treat as normal. Where a page did not show a detail, I say “not shown on the pages I could load” and tell you where to look.

Target Circle 360 Cost at a Glance (November 2026)

Here is every price and offer I could verify on Target’s own pages. Prices can change at any time and Target says it can change the program whenever it wants, so confirm the number at checkout before you pay.

If you remember one thing from the table, make it this: the regular price is $99 a year or $10.99 a month, and the real decision is whether you will place enough same-day orders to beat the $9.99 fee non-members pay. I run that math further down with four worked examples.

Where These Numbers Come From

I took the prices and benefits from Target’s Circle 360 page.

The plan details and trial wording come from the About Target Circle 360 help article.

The fee and cancellation language comes from Target’s terms and conditions.

The shipping rules come from Target’s shipping options help page. All of these pages were shown in US dollars with a US ZIP code.

One thing I want to flag is that Target’s own pages describe the discounted prices a little differently. The main Circle 360 page says verified teachers, military members, college students and government assistance recipients, plus Target Circle Card holders, can pay $4.99 a month or $49 a year. The help article is narrower: it lists $49 a year for cardholders and $4.99 a month for verified students and government assistance recipients. Because of that gap, I would treat the checkout screen as the final word on your price.

What You Get With Target Circle 360

Target describes Circle 360 as a paid membership built around convenience. Here is each benefit as Target states it, with the fine print that matters.

Same-Day Delivery With No Delivery Fee

Members get unlimited same-day delivery on orders over $35 from Target and from nearby stores through the Shipt Marketplace. Target says there are no markups on Target deliveries, and that members pay no delivery fee. Non-members pay $9.99 per order on the same orders. Target’s terms add that delivery fees and local, municipal or regional fees and taxes may still apply.

The Shipt page for Circle 360 members lists partner stores such as Walgreens, CVS, PetSmart, Petco, Sephora and Lowe’s, and says members get delivery from more than 100 stores. It shows no membership price, so use Target for pricing. Select alcohol retailers and items are excluded from the no-markup promise, and Target’s terms say some items cannot go out for same-day delivery at all, including select clothing, select electronics and video games, and services such as Starbucks.

Two more details are easy to miss. Target’s terms say a California Shipt Shopper Benefit Fee is charged on all same-day deliveries in California. And members using EBT do not need to meet the $35 minimum but pay a $7 delivery fee with another form of payment, per the help article.

Free Shipping

Target’s help article calls it free 2-day shipping on hundreds of thousands of items. The terms are careful here: eligible items are marked on the product page, cutoff times vary by ZIP code, and size, weight, quantity, address or vendor limits can make an item ineligible. Next-day shipping is available for eligible items in select markets, and fees and cutoffs vary.

It helps to know what free shipping looks like without the membership. Target’s shipping page says free shipping comes with a $35 order, with a Target Circle Card, or with a Circle 360 membership. Otherwise shipping is $5.99. So for most people the membership is not about unlocking free shipping, it is about getting free shipping on smaller orders and getting it fast. The terms add that an order minimum may apply to the 2-day benefit, and that handling fees and exclusions may apply, so check the product page.

Monthly Freebies, Early Access and Extended Returns

On the first of each month, members can choose from a new selection of gifts and exclusive discounts. Target’s main Circle 360 page also lists early access to big sales and brand collabs. The current freebie selection is not shown on the pages I could load, so I cannot tell you what is on offer right now.

The return perk is clearer. Target’s terms say members get 30 additional days on top of the standard return policy for each item, with exceptions for Target Optical purchases, final sale items, contract mobile phones and certain online EBT purchases of SNAP-eligible items. For a gift buyer in November and December, that extra window is one of the more practical benefits on the list.

Target Circle 360 Bonus

Target runs separate Target Circle Bonus offers for paid Circle 360 members. The help article says these are only for new or active paid memberships and that trial memberships are not eligible. The help article also says Target Circle Rewards expire one year from the date they are earned if they are not redeemed. Target’s terms say trial members may not be eligible for certain membership benefits, so a trial may not show you the full package.

The Free Trial: What Target Says

Target’s help article states the trial plainly: try Circle 360 free for 14 days. Its terms explain what happens next. If you were offered a free trial, you must cancel in the Membership section of your Target account before the trial ends to avoid the membership fee, and the first fee is processed at the end of the trial.

The text of the main Circle 360 page I could load did not mention the trial, so I cannot confirm that every shopper is offered one today. Offers can vary by account, and the sign-up screen is where you see yours. If you want a deeper look at how another big-box trial is structured, I broke down the Walmart Plus free trial the same way.

Here is how I would use any trial like this. Put a reminder in your calendar for day 12, check the renewal date in your account, and decide before you are charged. Target’s terms say the fee is nonrefundable, so the cancellation has to happen before renewal rather than after.

Target Circle Card and Circle 360: How They Connect

This is the part where I keep things neutral, because it touches credit. This is not financial advice. Terms change, so check the provider before you apply for anything.

Here is what Target’s pages say, without any judgment on whether a card suits you. The Target Circle Card page lists a credit card and a debit card. It says the cards give an extra 5% off at checkout, free shipping, 30 extra days to return items and no monthly or annual fees, and that you are considered for the credit version based on creditworthiness. The same page lists 50% off Circle 360: $49 a year instead of $99, or $4.99 a month instead of $10.99.

The Circle 360 page adds a condition: the discounted price continues as long as you remain eligible, and if you no longer have a Target Circle Card saved to your account, the membership renews at the regular price of $10.99 a month or $99 a year. In plain terms, the discount depends on keeping the card on your account.

One more detail that matters for the math. The card on its own already includes free shipping and the extra 30 days for returns when you use it. So for a cardholder, Circle 360 mainly adds same-day delivery without the $9.99 fee, the monthly freebies and early access. Approval odds and credit terms are not something I can speak to, and I would not guess. The card page links to Target’s credit card rates and fees for anyone who wants to read them first.

Target Circle 360 vs Free Target Circle

Target Circle is a separate free loyalty program. The main Circle page invites you to join free, and Target’s terms describe it as a voluntary loyalty program with Target Circle Deals and Target Circle Rewards. Canceling Circle 360 does not cancel your Target Circle membership or a Target Circle Card, and those are handled separately.

The free program is a fine place to start if you shop at Target a few times a year. The paid membership is for people who order delivery or ship small orders often enough to make the fees add up.

Is Target Circle 360 Worth It? The Break-Even Math

I like to settle this with arithmetic instead of feelings. These are examples with stated assumptions, not predictions of what you will spend. They use the $9.99 non-member same-day fee and the $5.99 shipping fee on orders under $35.

Example 1: One Delivery a Month on the Annual Plan

You order same-day delivery once a month for 12 months, each order over $35. Without the membership that is 12 x $9.99 = $119.88 in delivery fees. The annual plan costs $99, so you come out $20.88 ahead on fees.

Example 2: Six Deliveries a Year

You order same-day delivery six times in a year. Fees without the membership are 6 x $9.99 = $59.94. The annual plan at $99 costs $39.06 more than just paying the fees, so the membership does not pay for itself.

Example 3: Same Six Deliveries With the Card Price

Take the same six deliveries but at the $49 cardholder price. You would pay $49 against $59.94 in fees, which is $10.94 saved. The break-even is five deliveries, because 5 x $9.99 = $49.95 is just above $49. On the annual regular price, the break-even is ten deliveries (10 x $9.99 = $99.90).

Example 4: Deliveries Plus Small Shipping Orders

You place six same-day orders (6 x $9.99 = $59.94) and ten online orders under $35 that you would otherwise ship at $5.99 (10 x $5.99 = $59.90). Combined, that is $119.84 in fees, so the $99 annual plan saves $20.84. If you only paid for one of those habits, the answer would flip, so the mix matters. This example also assumes no order minimum applies to the free 2-day shipping, which the terms say it may.

On the monthly plan, one delivery a month ($9.99) costs less than the $10.99 fee, so you need two deliveries in that month (2 x $9.99 = $19.98) to come out ahead. Target’s own page claims members can save over $300 a year, but that figure assumes two same-day orders a month plus an annual Shipt membership, and the Shipt price is not shown on the pages I could load. Your real savings depend on your habits.

Who It Fits and Who Should Skip It

It tends to fit households that already order groceries, pet supplies or pharmacy items for delivery most weeks, or that live far from a store. It tends to fit poorly for people who buy in store, order a few times a year, or already reach $35 on most online orders. That is an opinion based on the fee structure above, not a promise about your situation.

Eligibility, Payment and the Personal-Use Rule

Target’s terms say one Circle 360 membership is permitted per guest and that benefits are non-transferable. Target’s terms say only valid credit cards or a Target Debit Card can be used to buy the membership, a debit card other than the Target Debit Card cannot be used, and installment plans such as Affirm and PayPal Pay in 4, PayPal and Apple Pay cannot be used at this time. If a renewal payment fails, the membership expires, and Target may try another card on your account before that happens.

The line that matters most for store owners is this one: Target’s terms say Circle 360 may be used only for personal, family and household purposes, and members agree not to use it for business or commercial purposes. I will come back to what that means for sellers in a moment.

Same-day delivery is also limited to select Target stores. Target points to its same-day page for market eligibility, so enter your ZIP code before you pay. Whether any specific address qualifies is not shown on the pages I could load.

How to Join, Switch Plans and Cancel

You join on Target.com or in the Target app by searching for the membership, choosing a plan and checking out. Benefits start right away, per the help article.

Switching From Monthly to Annual

Target’s help article says to manage the membership at the Membership section of your account. To move from monthly to annual, it says to cancel the monthly plan and then sign up for annual after the renewal expiration. Plan around your renewal date so you do not pay for both.

Canceling and Refunds

Cancel in the Membership section of your Target account, or call Target Guest Services at 1-800-591-3869, the number shown on the Circle 360 page. Canceling must be done before the membership renews. Target’s terms say the membership fee is nonrefundable, so I would not count on a refund after a charge. A pro-rated refund policy is not shown on the pages I could load, so if you are in a gray area, contact Target and ask.

If you close your Target.com account, the fee will not renew and the membership expires at the end of the current period, per the terms. Canceling Circle 360 does not cancel your Target Circle membership or a Target Circle Card, so the card needs its own cancellation through Target Card Services.

What This Means If You Run an Online Store

I look at consumer memberships through a store owner’s eyes, because the fees shoppers pay are the shipping expectations your customers carry into your checkout. There are three practical angles here.

Buying Shipping Supplies

Boxes, tape, labels and mailers are often the first thing a seller buys at a big-box store. Because Target’s terms limit Circle 360 to personal, family and household use, I would not assume the membership is meant for business purchases. If you want to use it for supplies you will deduct, read the terms yourself and ask Target first. The cheaper path for most sellers is bulk packaging from a supplier, and I cover that in my supplier guide.

Buying Inventory

The same personal-use rule is the reason I would not plan a resale business around a retail membership, and Target’s Circle loyalty terms add that resellers are expressly excluded from Target Circle. Real sourcing means wholesale accounts, authorized distributors and written agreements, and that is a different setup from a consumer checkout. A good place to begin is my high-ticket niches list, which pairs product categories with the kinds of suppliers that fit them.

Benchmarking Customer Shipping Expectations

This is where Target is most useful to you. It sets a $35 free-shipping line, a $5.99 fee below it, 2-day shipping as a paid-member perk, next-day shipping in select markets, and 30 extra return days for members. Your shoppers see those numbers every week, and they compare your checkout to them without noticing.

For a high-ticket store, the answer is rarely to match a retailer that moves millions of boxes. It is to be clear and reliable: state your handling time, your carrier options and your return window up front. If you need wording for that, my guide to a dropshipping shipping policy has sample text. For a sense of what carriers offer sellers, USPS Ground Advantage lists a 2 to 5 day timeframe and a 70 lb weight limit on its page, with prices starting at $8.40 at a Post Office location.

Shipping and delivery costs also feed into how you structure the company behind the store. My guide on business formation for high-ticket dropshipping covers the structure side.

How Circle 360 Compares With Other Memberships

Circle 360 is a delivery-first membership, which makes it different from warehouse clubs. If you are weighing several, my roundup of the best shopping memberships compares the big names in one place. For a head-to-head between two giants, I also wrote Amazon Prime vs Walmart+.

The way I would choose is simple. Pick the retailer where you spend the most each month, count how many delivery or shipping fees you would otherwise pay, and compare that total to the membership price. If a single store does not clear the bar, the free program or a store card may be enough on its own. The deciding factor is always your own order pattern.

What I Could Not Verify

• The current monthly freebie selection: not shown on the pages I could load without signing in.
• Whether every shopper is offered the 14-day trial today: it appears on the help page and in the terms but not in the text of the main Circle 360 page I could load.
• A pro-rated refund policy: not shown on the pages I could load. The terms say the fee is nonrefundable.
• Which addresses qualify for same-day delivery: Target says it is available only at select stores, so check by ZIP code.
• The Shipt membership price used in Target’s $300 savings claim: not shown on the pages I could load.

Frequently Asked Questions

How much does Target Circle 360 cost?
As of November 2026, Target lists $99 a year ($8.25 a month) or $10.99 a month. Target Circle Card holders pay $49 a year or $4.99 a month, and verified college students and government assistance recipients can pay $4.99 a month. Check the sign-up screen for your exact price.

Does Target Circle 360 have a free trial?
Target’s help page says you can try it free for 14 days. You need to cancel in the Membership section of your account before the trial ends to avoid the fee, and trial members may not get every benefit.

Is Target Circle 360 worth it?
It depends on how often you use same-day delivery or ship small orders. At the regular annual price, the break-even is about ten same-day orders a year against the $9.99 non-member fee, and it is about five at the $49 cardholder price. This is general math, not personal advice.

Can I get a refund on Target Circle 360?
Target’s terms say the membership fee is nonrefundable, so cancel before the renewal date. If something went wrong with a charge, contact Target Guest Services and ask what they can do.

Can I use Target Circle 360 for my business?
Target’s terms say Circle 360 is for personal, family and household purposes only, and that members agree not to use it for business or commercial purposes. If you want to use it for business buying, read the terms and ask Target first.

Final Take

Target Circle 360 is a fair deal if delivery is part of your routine and a poor one if it is not. The regular price is $99 a year or $10.99 a month, the trial is 14 days, and the fee is nonrefundable, so set a reminder before you start. Do the break-even math with your own order history, and read the terms before you tie it to a store.

The bigger lesson for sellers is what Target’s rules say about customer expectations: free shipping at $35, paid speed on top, and extended returns as a perk. This post is not financial advice, and terms change, so check Target for the latest. Need help turning that into a store that earns? Our coaching program is built for exactly that.

Related Articles

If you are weighing memberships or planning your shipping setup, these posts are good next reads.

• Costco Membership Cost in 2026: Gold Star, Business and Executive Prices
• Sam’s Club Membership Cost in 2026: Club $60, Plus $120, Perks and Deals
• Costco vs Sam’s Club (2026): Cost, Perks and Which Membership Wins
• Amazon Prime Alternatives: 4 Memberships Worth Comparing in 2026
• Walmart Bundles Walmart+ and Sam’s Plus at $120 a Year

Trevor Fenner

Trevor Fenner is an ecommerce entrepreneur and world traveler from Seattle, Washington, and the founder of Ecommerce Paradise, a platform focused on helping entrepreneurs build and scale profitable high-ticket ecommerce and dropshipping businesses. With over a decade of hands-on experience, Trevor specializes in high-ticket dropshipping strategy, niche and product selection, supplier recruiting and onboarding, Google & Bing Shopping ads, ecommerce SEO, and systems-driven automation and scaling. Through Ecommerce Paradise, he provides free education via in-depth guides like How to Start High-Ticket Dropshipping, advanced training through the High-Ticket Dropshipping Masterclass, and fully done-for-you turnkey ecommerce services for entrepreneurs who want a faster, more hands-off path to growth. Trevor is known for emphasizing sustainable, real-world ecommerce models over hype-driven tactics, helping store owners build scalable, sellable, and location-independent brands.

He maintains homes in Seattle and Bali, spends most of the year overseas, and usually returns to Seattle for about a month each summer.

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