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Side-by-side

Capital One Venture Business vs Target Circle Card Mastercard

Both are well-respected travel cards. The Capital One Venture Business comes from Capital One 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

For most people the Capital One Venture Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,775 more in estimated value) than the Target Circle Card Mastercard's. Get the Capital One Venture Business first; revisit the Target Circle Card Mastercard after you've earned that bonus.

FeatureCapital One Venture BusinessTarget Circle Card Mastercard
Annual fee$95$0
Sign-up bonusUp to 150,000 miles
Bonus value (est.)$2,775-
Min spend to unlock bonus$30,000 in 6 mo-
IssuerCapital OneTD Bank
Card categorybusinesscashback
Best earning category (Hotels_capital_one)5x1x
Transfer partnerscapital-oneNone
Headline benefits
  • Up to 150K bonus miles (tiered)
  • 2x on everything
  • Transfers to 15+ partners
  • Global Entry credit
    Read the full review
    Capital One Venture Business
    $95/yr · Up to 150,000 miles
    Read the full review
    Target Circle Card Mastercard
    $0/yr ·

    Editorial take: Capital One Venture Business

    Capital One rebranded Spark Miles for Business as Venture Business in April 2026 with a tiered up-to-150k welcome bonus. Strong catch-all 2x earner with transferable points; the Capital One transfer chart (Aeroplan, Flying Blue, Turkish, Virgin Atlantic) makes 2x meaningful.

    Editorial take: Target Circle Card Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Capital One Venture Business or Target Circle Card Mastercard?
    The Capital One Venture Business has a public bonus (Up to 150,000 miles, worth roughly $2,775), while the Target Circle Card Mastercard doesn't advertise one right now.
    Is the Capital One Venture Business's $95 annual fee worth it compared to the Target Circle Card Mastercard?
    At $95/yr, the Capital One Venture Business 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 Venture 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 Venture Business or the Target Circle Card Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Venture Business: $30,000 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.

    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.