rewrite this title and make it good for SEOMaximize your Target Black Friday savings with these credit cards

You can make your Target Black Friday purchases even more rewarding by earning cash back or points on your spending. With top rewards credit cards, you automatically benefit from just about everything you buy, and certain cards can help protect your eligible purchases.

Why we like this card: With 3% cash back on spending with U.S. online retail purchases (up to $6,000 spent per year), the Blue Cash Everyday from Amex can be valuable for frequent Target shoppers who prefer to shop online. If you max out the category with your Target.com or other online purchases, you could earn $180 in cash back each year, not including the 1% you’ll still earn after the max.

Read our full Amex Blue Cash Everyday Card review

Why we like this card: If you like earning travel rewards, the Capital One Venture card’s unlimited 2x miles on every purchase can help you maximize your spending at Target and beyond for future travel. Your regular purchases at Target — groceries, electronics, home goods, clothing, pharmacy needs, or anything else — all earn 2x miles.

Read our full Capital One Venture Rewards review

Why we like this card: College students ready to stock their dorm room and purchase school supplies can save money and start building credit with a student credit card. The Capital One Quicksilver Student card is a great entry-level option that also allows you to earn rewards on all your spending. The 1.5% cash back applies to all the purchases you make, including at Target.

Read our full Capital One Quicksilver Student Cash review

Why we like this card: With the Citi Double Cash, you can earn cash back anywhere you go. The card’s flat 2% cash-back rewards are great for maximizing purchases that don’t fall within common credit card rewards categories (such as shopping at Target). For new cardholders, there are also a lot of perks that can help you save on upcoming shopping trips. Plus, you can use Citi Double Cash to help pay down any existing debt with a competitive 0% APR intro offer on balance transfers.

Read our full Citi Double Cash® Card review

Why we like this card: If you regularly shop at Target for everyday necessities, groceries, and electronics, you can earn ample annual savings with the recently revamped Target Circle Card. Instead of points or cash back, you’ll get an automatic 5% discount at checkout on your eligible Target spending in-store and online. That discount also applies to in-store Starbucks locations, drive-up services, and same-day delivery.

Other Target benefits that come with the card include free two-day shipping on eligible items, an extra 30 days for returns and exchanges, and access to cardholder bonus offers. Finally, if you also join Target Circle 360, which offers unlimited same-day delivery, Shipt access, and more, you’ll save $50 off the annual membership cost ($49 instead of $99).

Read our full Target Circle Card review

Why we like this card: You may have to strategize your spending to maximize the U.S. Bank Shopper Cash Rewards more than other cards, but you can also unlock substantial savings. Start with the 6% cash back at two choice retailers, on up to $1,500 spent each quarter. Target is one of the retailers you can choose from, along with Walmart, Lowe’s, Home Depot, Nordstrom, Macy’s, Wayfair.com, Amazon.com, and more. If cash back at Target is your priority, you could max out the $1,500 each quarter at Target alone and earn $360 cash back annually.

Many cash-back credit cards offer redemption options that can directly cover or partially cover your Target purchases and other spending.

For example, you can earn cash-back rewards for making Target purchases with your credit card and then redeem those rewards for a statement credit to help cover your bill. Alternatively, some cards offer bank deposits as a redemption option, which you can also use to help cover your holiday shopping purchases.

Many travel credit cards also offer statement credits as a redemption option, but with these cards, it’s typically more rewarding to redeem your points or miles toward travel.

If you already have plans for an upcoming trip, you can use rewards earned from your Target and other holiday purchases to help cover some of the largest travel expenses, such as flights and hotel stays.

Finding the best credit card for rewards and savings at Target is definitely worthwhile if you frequent the superstore. But deciding on a card may be more complicated than with some other retailers since Target (along with Walmart and wholesale clubs) is often excluded from common rewards categories.

Because of that, credit cards with flat-rate rewards on every purchase — regardless of category — can make an excellent choice for frequent Target shoppers. These cards may earn those flat rewards as cash back, which you can redeem for statement credits toward your account balance. But you can also find flat rewards on travel credit cards that earn points and miles. Then, you can use these rewards toward future travel through the issuer’s portal, transfer to partners, book directly with airlines or hotels, and more.

The other option is a credit card with specific rewards at Target. The cards on our list above (including the Target Circle card) offer significant savings for those who regularly shop in-store or at Target.com.

Beyond rewards at Target, look for benefits and protections that suit your spending. These might include a great welcome bonus with a spending threshold within your budget, annual credits with brands you already use, or purchase and travel protections.

The Target Circle Card (previously called the Target RedCard) can offer major savings for Target loyalists. Its rewards structure is simple, with a 5% discount on eligible Target purchases instead of points or cash-back rewards. In other words, you’ll get $5 off a $100 shopping trip, $25 off a $500 haul, and so on.

With the Mastercard version, you’ll also earn 2% back (toward a Target gift card) on dining and at gas stations, plus 1% on other purchases. You can find better rewards rates in these categories elsewhere, but if you don’t already earn rewards when you eat out or fill up your gas tank, these categories can still add value.

Finally, the Target Circle Card’s added benefits are best suited for frequent Target shoppers — from free two-day shipping on eligible online purchases to a longer window for returns and exchanges and savings on the Target Circle 360 loyalty program.

Before you apply, though, think about how much you really shop at the superstore. Review your spending over the past few months or look at previous card statements. If you haven’t spent much there, you may get more value from a more flexible general rewards card. You’ll get the most from the Target Circle Card only if you’re already a frequent shopper.

Like any other time you shop, using a credit card at Target can be a smart move.

Rewards are valuable, but credit cards also help protect you and your purchases. Most issuers have zero liability for charges if your card is lost or stolen, and you can sign up for alerts if an unexpected charge appears on your account. Purchase protection — which covers your purchases against damage or theft up to a certain amount of time — and extended warranty are two more benefits to look for.

At the same time, you must be careful when shopping with a credit card to avoid high-interest debt. You can quickly wipe out any savings you’ll get from rewards and discounts if you cannot pay your balance in full by the time your statement is due. Don’t let the promise of rewards entice you to spend more than you can afford, so you can continue to reap the benefits without costly interest charges.

To find the best credit cards for Target spending, we first focused on cards with rewards or discounts at the big box retailer. Be warned: Purchases at stores like Target, Walmart, and wholesale clubs generally fall outside standard credit card bonus categories. For instance, credit cards with great rewards at grocery stores will usually not earn bonus rewards when you shop at Target based on standard merchant category codes.

Then, we broadened our search to rewards credit cards that may apply to Target purchases more generally. For example, cards with rewards for online purchases (for use at Target.com) and cards with flat rewards across any category.

We did not include rotating bonus category credit cards. While these cards do sometimes offer rewards at Target, it’s often limited to only one quarter per year. If you shop at Target stores regularly, this may not be enough value to make the most of your year-round spending.

Our final picks include credit cards that both match the above criteria and score highly among our general credit card rubrics — which evaluate details like annual fee, APR, benefits, issuer protections, customer service, and more.

This article was edited by Alicia Hahn

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn’t include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.