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Side-by-side

Bilt Blue vs Target Circle Card Mastercard

Both are well-respected travel cards. The Bilt Blue comes from Bilt / Cardless at $0/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

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBilt BlueTarget Circle Card Mastercard
Annual fee$0$0
Sign-up bonus$100 Bilt Cash
Bonus value (est.)$100-
Min spend to unlock bonus$0 in 0 mo-
IssuerBilt / CardlessTD Bank
Card categorytravelcashback
Best earning category (Rent)1x1x
Transfer partnersbiltNone
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
    Read the full review
    Bilt Blue
    $0/yr · $100 Bilt Cash
    Read the full review
    Target Circle Card Mastercard
    $0/yr ·

    Editorial take: Bilt Blue

    The no-fee entry tier of Bilt 2.0, launched February 7, 2026 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

    Editorial take: Target Circle Card Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Bilt Blue or Target Circle Card Mastercard?
    The Bilt Blue has a public bonus ($100 Bilt Cash, worth roughly $100), while the Target Circle Card Mastercard doesn't advertise one right now.
    Is the Bilt Blue's $0 annual fee worth it compared to the Target Circle Card Mastercard?
    The Bilt Blue 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 Bilt Blue.
    Can I have both the Bilt Blue and Target Circle Card Mastercard?
    Yes, since they're from different issuers (Bilt / Cardless 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 Bilt Blue or the Target Circle Card Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $0 spend in 0 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.