Editorial take: United Club Infinite Card
Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.
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Side-by-side
United Club Infinite Card vs Target Circle Card Mastercard
Both are well-respected travel cards. The United Club Infinite 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 Infinite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,120 more in estimated value) than the Target Circle Card Mastercard's. Get the United Club Infinite Card first; revisit the Target Circle Card Mastercard after you've earned that bonus.
| Feature | United Club Infinite Card | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $695 | $0 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | |
| Bonus value (est.) | $1,120 | - |
| Min spend to unlock bonus | $5,000 in 3 mo | - |
| Issuer | Chase | TD Bank |
| Card category | travel | cashback |
| Best earning category (United) | 4x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
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, United Club Infinite Card or Target Circle Card Mastercard?
- The United Club Infinite Card has a public bonus (80,000 miles (up to 90,000 with authorized user), worth roughly $1,120), while the Target Circle Card Mastercard doesn't advertise one right now.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Target Circle Card Mastercard?
- Premium cards like the United Club Infinite 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 Infinite 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 Infinite Card or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Infinite 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.