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Side-by-side

TAP Miles and Go American Express Card vs Target Circle Card Mastercard

Both are well-respected travel cards. The TAP Miles and Go American Express Card comes from Cardless at $79/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.

FeatureTAP Miles and Go American Express CardTarget Circle Card Mastercard
Annual fee$79$0
Sign-up bonus40,000 bonus miles
Bonus value (est.)--
Min spend to unlock bonus$2,500 in 3 mo-
IssuerCardlessTD Bank
Card categoryairlinecashback
Best earning category (Tap_air_portugal)3x1x
Transfer partnersNoneNone
Headline benefits
  • 3x miles on TAP purchases
  • 2 Lisbon lounge passes per year
  • Free extra checked bag
  • Star Alliance redemptions
    Read the full review
    TAP Miles and Go American Express Card
    $79/yr · 40,000 bonus miles
    Read the full review
    Target Circle Card Mastercard
    $0/yr ·

    Editorial take: TAP Miles and Go American Express Card

    The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.

    Editorial take: Target Circle Card Mastercard

    Common questions

    Which card has the bigger sign-up bonus, TAP Miles and Go American Express Card 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 TAP Miles and Go American Express Card's $79 annual fee worth it compared to the Target Circle Card Mastercard?
    At $79/yr, the TAP Miles and Go American Express Card 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 TAP Miles and Go American Express Card and Target Circle Card Mastercard?
    Yes, since they're from different issuers (Cardless 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 TAP Miles and Go American Express Card or the Target Circle Card Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. TAP Miles and Go American Express Card: $2,500 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.