The Target Circle Card Program: If at First You Don’t Succeed, Try Again

Target Circle Card program is a standout loyalty program for offering credit and debit card products. However, the program is under pressure, and there are lessons to be learned. From a product-offering standpoint, Target Circle covers all its bases, but this can be a potential risk. For example: Target’s current program offers little incentive for customers to switch from the debit card to the credit card product and loyalty card penetration rates are declining.

Companies Mentioned: 

Mastercard, Roundel, Southwest Airlines, Target, TD Bank, United Airlines, Visa, Wyndham Hotels & Resorts