Earlier this year, Target expanded its Target Circle loyalty program with a paid membership. Shoppers can sign up for a Target Circle 360 ​​membership on a monthly or annual basis, but is the membership worth the cost?

Discover: 3 Things You Need to Do When Your Savings Hit $50,000

Consider this: 5 unnecessary bills you should stop paying in 2024

According to Target’s website, Target Circle 360 ​​costs $10.99 per month, $99 if you pay annually, or $4.99 per month for verified students.

It also offers several benefits, including unlimited same-day delivery orders to multiple addresses with a minimum order of $35, access to dozens of retailers through Shipt Marketplace, free two-day shipping on hundreds of thousands of items. ‘items and fast delivery. returns with 30 additional days of leave.

If you are already a Target Circle 360 ​​subscriber, there is several reasons why removing the service could actually save you money.

Current trend: Suze Orman’s secret to a wealthy retirement: Did you invest that money?

This can help you avoid unnecessary expenses

Once you join Target Circle 360, you may feel the need to spend more than you usually would to get your money’s worth with the service or to meet that $35 minimum. Plus, there’s also the recommended 20% buyer tip.

Mackenzie Filson, writer at The Kitchn, reviewed his experience with Target Circle 360 ​​and discovered that she may have spent more than at popular discount retailers, but she loved shopping Circle coupons and deals.

Warren Buffett: 10 things poor people waste their money on

All the benefits may not be worth it

Unless you’re a regular Target shopper who regularly uses same-day delivery, a Circle 360 ​​membership may not be worth the extra money.

Jamie Killin, a writer at Business Insider, also tried the Target Circle 360 ​​and found adherence leaves a lot to be desired. In the first month, she used the delivery service three times and still ended up shopping in the store twice. Killing wrote that there were still specific groceries, such as produce and meats, that she preferred to get at other stores.

If you live near a Target, you can take advantage of curbside pickup. This is a contactless service with no fees or tipping. You can order items from the Target app and someone will bring them to your vehicle.

You can get the same deals with a free Target Circle membership

Target also offers a free membership – Target Circle.

“I firmly believe that free Target Circle membership is a must-have, even for occasional Target shoppers,” Killin wrote. “It gives me instant deals and cash back and has been one of my favorite in-store rewards programs since it launched. So far this year, I’ve saved over $55 through the program by shopping sales and deals.

More from GOBankingRates

This article was originally published on GOBankingRates.com: 3 Reasons Why Cutting the Target Circle Will Actually Save You Money