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Capital One Venture X Business vs Target Circle Card Mastercard
Both are well-respected travel cards. The Capital One Venture X Business comes from Capital One at $395/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
If you're not sure you'll use premium perks, start with the Target Circle Card Mastercard, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | Capital One Venture X Business | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $395 | $0 |
| Sign-up bonus | 150,000 bonus miles | |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | $30,000 in 3 mo | - |
| Issuer | Capital One | TD Bank |
| Card category | travel | cashback |
| Best earning category (Other) | 2x | 1x |
| Transfer partners | capital-one | None |
| Headline benefits |
Read the full review
Capital One Venture X Business
$395/yr · 150,000 bonus 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 X 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 Venture X Business's $395 annual fee worth it compared to the Target Circle Card Mastercard?
- At $395/yr, the Capital One Venture X 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 X 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 X Business or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Venture X Business: $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.