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Side-by-side

United Club Business Card vs Target Circle Card Mastercard

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/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 United Club Business Card 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 United Club Business Card first; revisit the Target Circle Card Mastercard after you've earned that bonus.

FeatureUnited Club Business CardTarget Circle Card Mastercard
Annual fee$695$0
Sign-up bonus100,000 miles + 2,000 PQP
Bonus value (est.)$1,500-
Min spend to unlock bonus$5,000 in 3 mo-
IssuerChaseTD Bank
Card categorybusinesscashback
Best earning category (United)2x1x
Transfer partnersNoneNone
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
    Read the full review
    United Club Business Card
    $695/yr · 100,000 miles + 2,000 PQP
    Read the full review
    Target Circle Card Mastercard
    $0/yr ·

    Editorial take: United Club Business Card

    Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.

    Editorial take: Target Circle Card Mastercard

    Common questions

    Which card has the bigger sign-up bonus, United Club Business Card or Target Circle Card Mastercard?
    The United Club Business Card has a public bonus (100,000 miles + 2,000 PQP, worth roughly $1,500), while the Target Circle Card Mastercard doesn't advertise one right now.
    Is the United Club Business Card's $695 annual fee worth it compared to the Target Circle Card Mastercard?
    Premium cards like the United Club Business Card ($695/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ 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 United Club Business Card 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 United Club Business Card or the Target Circle Card Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Business Card: $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.