Will Target Circle Actually Save You More Money?

So I can’t be the only one noticing that every time I go to Target, they are asking me to put in my phone number for Target Circle. Personally, the staff at Target haven’t been very good at explaining what in the world Target Circle is, how it benefits me an why I should be entering in my phone number. A whopping 1% back doesn’t exactly thrill me, especially when I have a 5% back Target Red Card.

My confusion is your gain. I went ahead and did the research on what the Target Circle is, how it works and if it’s even helping you save money. Spoiler alert: I’m kind of a skeptic.