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Side-by-side

Delta SkyMiles Reserve Business American Express Card vs Target Circle Card Mastercard

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/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 Delta SkyMiles Reserve Business American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($840 more in estimated value) than the Target Circle Card Mastercard's. Get the Delta SkyMiles Reserve Business American Express Card first; revisit the Target Circle Card Mastercard after you've earned that bonus.

FeatureDelta SkyMiles Reserve Business American Express CardTarget Circle Card Mastercard
Annual fee$650$0
Sign-up bonus70,000 miles
Bonus value (est.)$840-
Min spend to unlock bonus$6,000 in 6 mo-
IssuerAmerican ExpressTD Bank
Card categoryairlinecashback
Best earning category (Delta)3x1x
Transfer partnersNoneNone
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
    Read the full review
    Delta SkyMiles Reserve Business American Express Card
    $650/yr · 70,000 miles
    Read the full review
    Target Circle Card Mastercard
    $0/yr ·

    Editorial take: Delta SkyMiles Reserve Business American Express Card

    Premium Delta business. Sky Club + first-class companion cert combined typically cover the fee for couples on a single trip. Stack with personal Delta Reserve only if you really want unlimited Sky Club.

    Editorial take: Target Circle Card Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Delta SkyMiles Reserve Business American Express Card or Target Circle Card Mastercard?
    The Delta SkyMiles Reserve Business American Express Card has a public bonus (70,000 miles, worth roughly $840), while the Target Circle Card Mastercard doesn't advertise one right now.
    Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the Target Circle Card Mastercard?
    Premium cards like the Delta SkyMiles Reserve Business American Express Card ($650/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ of those credits, the math works. The Target Circle Card Mastercard at $0/yr trades some perks for a lower commitment.
    Can I have both the Delta SkyMiles Reserve Business American Express Card 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 Delta SkyMiles Reserve Business American Express Card or the Target Circle Card Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Business American Express Card: $6,000 spend in 6 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.