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Side-by-side
Capital One Spark Cash Plus vs Target Circle Card Mastercard
Both are well-respected travel cards. The Capital One Spark Cash Plus comes from Capital One at $150/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 Capital One Spark Cash Plus is the stronger pick today, the sign-up bonus is meaningfully larger ($2,000 more in estimated value) than the Target Circle Card Mastercard's. Get the Capital One Spark Cash Plus first; revisit the Target Circle Card Mastercard after you've earned that bonus.
| Feature | Capital One Spark Cash Plus | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $150 | $0 |
| Sign-up bonus | $2,000 cash bonus | |
| Bonus value (est.) | $2,000 | - |
| Min spend to unlock bonus | $30,000 in 3 mo | - |
| Issuer | Capital One | TD Bank |
| Card category | business | cashback |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Capital One Spark Cash Plus
$150/yr · $2,000 cash bonus
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, Capital One Spark Cash Plus or Target Circle Card Mastercard?
- The Capital One Spark Cash Plus has a public bonus ($2,000 cash bonus, worth roughly $2,000), while the Target Circle Card Mastercard doesn't advertise one right now.
- Is the Capital One Spark Cash Plus's $150 annual fee worth it compared to the Target Circle Card Mastercard?
- At $150/yr, the Capital One Spark Cash Plus 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 Capital One Spark Cash Plus and Target Circle Card Mastercard?
- Yes, since they're from different issuers (Capital One 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 Capital One Spark Cash Plus or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash Plus: $30,000 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.