Editorial take: World of Hyatt Credit Card
The anniversary free night at a Category 1-4 Hyatt easily covers the $95 fee, even a Category 1 Hyatt Place clears it. If you stay at any Hyatt once a year, this card pays for itself.
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Side-by-side
World of Hyatt Credit Card vs Target Circle Card Mastercard
Both are well-respected travel cards. The World of Hyatt Credit Card 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 World of Hyatt Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,020 more in estimated value) than the Target Circle Card Mastercard's. Get the World of Hyatt Credit Card first; revisit the Target Circle Card Mastercard after you've earned that bonus.
| Feature | World of Hyatt Credit Card | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | Up to 60,000 Bonus Points | |
| Bonus value (est.) | $1,020 | - |
| Min spend to unlock bonus | - | - |
| Issuer | Chase | TD Bank |
| Card category | hotel | cashback |
| Best earning category (Dining) | 2x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
World of Hyatt Credit Card
$95/yr · Up to 60,000 Bonus 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, World of Hyatt Credit Card or Target Circle Card Mastercard?
- The World of Hyatt Credit Card has a public bonus (Up to 60,000 Bonus Points, worth roughly $1,020), while the Target Circle Card Mastercard doesn't advertise one right now.
- Is the World of Hyatt Credit Card's $95 annual fee worth it compared to the Target Circle Card Mastercard?
- At $95/yr, the World of Hyatt Credit 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 World of Hyatt Credit 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 World of Hyatt Credit Card or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. World of Hyatt Credit Card: no published min spend. 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.