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Side-by-side

Chase Sapphire Preferred vs Target Circle Card Mastercard

Both are well-respected travel cards. The Chase Sapphire Preferred comes from Chase 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 Chase Sapphire Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($1,500 more in estimated value) than the Target Circle Card Mastercard's. Get the Chase Sapphire Preferred first; revisit the Target Circle Card Mastercard after you've earned that bonus.

FeatureChase Sapphire PreferredTarget Circle Card Mastercard
Annual fee$95$0
Sign-up bonus75,000 points
Bonus value (est.)$1,500-
Min spend to unlock bonus$5,000 in 3 mo-
IssuerChaseTD Bank
Card categorytravelcashback
Best earning category (Travel)5x1x
Transfer partnerschase-urNone
Headline benefits
  • 5x on travel booked via Chase
  • 3x on dining & streaming
  • $50 annual hotel credit
  • Transfer to 13 partners (Hyatt 1:1)
    Read the full review
    Chase Sapphire Preferred
    $95/yr · 75,000 points
    Read the full review
    Target Circle Card Mastercard
    $0/yr ·

    Editorial take: Chase Sapphire Preferred

    The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.

    Editorial take: Target Circle Card Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Chase Sapphire Preferred or Target Circle Card Mastercard?
    The Chase Sapphire Preferred has a public bonus (75,000 points, worth roughly $1,500), while the Target Circle Card Mastercard doesn't advertise one right now.
    Is the Chase Sapphire Preferred's $95 annual fee worth it compared to the Target Circle Card Mastercard?
    At $95/yr, the Chase Sapphire Preferred 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 Chase Sapphire Preferred and Target Circle Card Mastercard?
    Yes, since they're from different issuers (Chase 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 Chase Sapphire Preferred or the Target Circle Card Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Preferred: $5,000 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.