American Express Schwab Investor Card vs Target Circle Card Mastercard

Common questions

Which card has the bigger sign-up bonus, American Express Schwab Investor Card or Target Circle Card Mastercard?

The American Express Schwab Investor Card has a public bonus (10,000 Membership Rewards points, worth roughly $110), while the Target Circle Card Mastercard doesn't advertise one right now.

Is the American Express Schwab Investor Card's $0 annual fee worth it compared to the Target Circle Card Mastercard?

The American Express Schwab Investor Card has no annual fee, so the question is whether the Target Circle Card Mastercard's $0 fee is justified by its perks. If you'll use enough of the Target Circle Card Mastercard's benefits to clear $0 in value annually, it's worth it; otherwise stick with the American Express Schwab Investor Card.

Can I have both the American Express Schwab Investor 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 American Express Schwab Investor Card or the Target Circle Card Mastercard first?

Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Schwab Investor Card: $1,000 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.