Editorial take: Capital One Venture Rewards
The simplest travel card in the game. Flat 2x on everything plus transfer partners means you don't have to think, just swipe. Great for people who don't want to chase bonus categories.
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Side-by-side
Capital One Venture Rewards vs Target Circle Card Mastercard
Both are well-respected travel cards. The Capital One Venture Rewards 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 Rewards is the stronger pick today, the sign-up bonus is meaningfully larger ($1,238 more in estimated value) than the Target Circle Card Mastercard's. Get the Capital One Venture Rewards first; revisit the Target Circle Card Mastercard after you've earned that bonus.
| Feature | Capital One Venture Rewards | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | 75,000 miles | |
| Bonus value (est.) | $1,238 | - |
| Min spend to unlock bonus | $4,000 in 3 mo | - |
| Issuer | Capital One | TD Bank |
| Card category | travel | cashback |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | capital-one | None |
| Headline benefits |
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Read the full review
Capital One Venture Rewards
$95/yr · 75,000 miles
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 Venture Rewards or Target Circle Card Mastercard?
- The Capital One Venture Rewards has a public bonus (75,000 miles, worth roughly $1,238), while the Target Circle Card Mastercard doesn't advertise one right now.
- Is the Capital One Venture Rewards's $95 annual fee worth it compared to the Target Circle Card Mastercard?
- At $95/yr, the Capital One Venture 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 Capital One Venture Rewards 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 Rewards or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Venture Rewards: $4,000 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.