Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
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Side-by-side
American Express Business Gold vs Target Circle Card Mastercard
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/yr; the Target Circle Card Mastercard from TD Bank at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the American Express Business Gold is the stronger pick today, the sign-up bonus is meaningfully larger ($1,800 more in estimated value) than the Target Circle Card Mastercard's. Get the American Express Business Gold first; revisit the Target Circle Card Mastercard after you've earned that bonus.
| Feature | American Express Business Gold | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $375 | $0 |
| Sign-up bonus | 100,000 Membership Rewards points | |
| Bonus value (est.) | $1,800 | - |
| Min spend to unlock bonus | $15,000 in 3 mo | - |
| Issuer | American Express | TD Bank |
| Card category | business | cashback |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
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Read the full review
American Express Business Gold
$375/yr · 100,000 Membership Rewards points
Read the full review
Target Circle Card Mastercard
$0/yr ·
Editorial take: Target Circle Card Mastercard
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or Target Circle Card Mastercard?
- The American Express Business Gold has a public bonus (100,000 Membership Rewards points, worth roughly $1,800), while the Target Circle Card Mastercard doesn't advertise one right now.
- Is the American Express Business Gold's $375 annual fee worth it compared to the Target Circle Card Mastercard?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Target Circle Card Mastercard's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and Target Circle Card Mastercard?
- Yes, since they're from different issuers (American Express and TD Bank) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the American Express Business Gold or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. Target Circle Card Mastercard: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.