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Side-by-side
Sapphire Reserve for Business vs Target Circle Card Mastercard
Both are well-respected travel cards. The Sapphire Reserve for Business comes from Chase at $795/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 Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,595 more in estimated value) than the Target Circle Card Mastercard's. Get the Sapphire Reserve for Business first; revisit the Target Circle Card Mastercard after you've earned that bonus.
| Feature | Sapphire Reserve for Business | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $795 | $0 |
| Sign-up bonus | 150,000 points | |
| Bonus value (est.) | $2,595 | - |
| Min spend to unlock bonus | $20,000 in 3 mo | - |
| Issuer | Chase | TD Bank |
| Card category | business | cashback |
| Best earning category (Chase_travel) | 8x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
Read the full review
Sapphire Reserve for Business
$795/yr · 150,000 points
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, Sapphire Reserve for Business or Target Circle Card Mastercard?
- The Sapphire Reserve for Business has a public bonus (150,000 points, worth roughly $2,595), while the Target Circle Card Mastercard doesn't advertise one right now.
- Is the Sapphire Reserve for Business's $795 annual fee worth it compared to the Target Circle Card Mastercard?
- Premium cards like the Sapphire Reserve for Business ($795/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $795+ of those credits, the math works. The Target Circle Card Mastercard at $0/yr trades some perks for a lower commitment.
- Can I have both the Sapphire Reserve for Business 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 Sapphire Reserve for Business or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Sapphire Reserve for Business: $20,000 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.