Estate planning as a Target Circle account holder

Target Circle is Target's free loyalty program: members earn Target Circle Rewards on purchases, receive personalized deals and a birthday benefit, and can direct Community Giving votes. The program has three related pieces tied to a single personal Target account: free Target Circle membership and its earned Rewards, the Target Circle Card (the 5% debit, credit, and Mastercard family formerly branded RedCard), and the paid Target Circle 360 membership, which adds unlimited same-day delivery and free two-day shipping. All three are tied to the individual account holder. Target Circle Bonuses and Rewards are valid only for the enrolled member and cannot be shared or transferred, and a Target Circle 360 membership and its benefits are non-transferable.

Under Target Circle's terms, rewards are not property of the account holder and are forfeited when the account closes at death. No estate planning document—will, trust, or otherwise—can override this forfeiture.

What happens at death

Target Circle earnings are not inheritable. Target states that Target Circle Bonuses are valid only for the fully enrolled Target Circle member who received them and cannot be shared, copied, or transferred, and that a Target Circle 360 membership and any Target Circle 360 benefits are non-transferable. Target Circle Rewards expire one year after the member's last earn or redemption activity, and Target reserves the right to delete a Target Circle account that has not participated for more than one year. Because Rewards and membership are personal to the account holder and cannot be moved to another person, they are effectively forfeited at death rather than passing to an heir or estate. The paid Target Circle 360 membership likewise ends at the account holder's death and is non-transferable; the membership fee is non-refundable and the membership remains in effect until it is canceled, so an executor should cancel it to stop billing through the Membership section of the account or by contacting Target. The Target Circle Card (the 5% debit, credit, or Mastercard product) is a separate financial account that is closed and settled by the issuer rather than transferred. Target publishes no deceased-member or bereavement process; closing a deceased person's Target account and stopping any active 360 billing is handled through Target Guest Relations.