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Side-by-side
Capital One Spark Classic for Business vs Target Circle Card Mastercard
Both are well-respected travel cards. The Capital One Spark Classic for Business comes from Capital One 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.
| Feature | Capital One Spark Classic for Business | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | ||
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | - |
| Issuer | Capital One | TD Bank |
| Card category | business | cashback |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Capital One Spark Classic for Business
$0/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, Capital One Spark Classic for Business 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 Capital One Spark Classic for Business's $0 annual fee worth it compared to the Target Circle Card Mastercard?
- The Capital One Spark Classic for Business 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 Capital One Spark Classic for Business.
- Can I have both the Capital One Spark Classic for Business 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 Classic for Business or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Classic for Business: 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.