Editorial take: Bank of America Premium Rewards
Only a standout if you're a BoA Preferred Rewards member, that boost can push earnings to 2.625x on everything, 3.5x on travel and dining. Without it, Venture and Sapphire both beat it.
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Side-by-side
Bank of America Premium Rewards vs Target Circle Card Mastercard
Both are well-respected travel cards. The Bank of America Premium Rewards comes from Bank of America at $95/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.
| Feature | Bank of America Premium Rewards | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | Not advertised | |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | - |
| Issuer | Bank of America | TD Bank |
| Card category | travel | cashback |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Bank of America Premium Rewards
$95/yr ·
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, Bank of America Premium Rewards or Target Circle Card Mastercard?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the Bank of America Premium Rewards's $95 annual fee worth it compared to the Target Circle Card Mastercard?
- At $95/yr, the Bank of America Premium Rewards 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 Bank of America Premium Rewards and Target Circle Card Mastercard?
- Yes, since they're from different issuers (Bank of America 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 Bank of America Premium Rewards or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Premium Rewards: no published min spend. 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.