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CitiBusiness / AAdvantage Platinum Select Mastercard vs Target Circle Card Mastercard
Both are well-respected travel cards. The CitiBusiness / AAdvantage Platinum Select Mastercard comes from Citi at $99/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 CitiBusiness / AAdvantage Platinum Select Mastercard is the stronger pick today, the sign-up bonus is meaningfully larger ($1,073 more in estimated value) than the Target Circle Card Mastercard's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the Target Circle Card Mastercard after you've earned that bonus.
| Feature | CitiBusiness / AAdvantage Platinum Select Mastercard | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $99 | $0 |
| Sign-up bonus | 65,000 miles | |
| Bonus value (est.) | $1,073 | - |
| Min spend to unlock bonus | $4,000 in 4 mo | - |
| Issuer | Citi | TD Bank |
| Card category | travel | cashback |
| Best earning category (Travel) | 2x | 1x |
| Transfer partners | aadvantage | None |
| Headline benefits |
Read the full review
CitiBusiness / AAdvantage Platinum Select Mastercard
$99/yr · 65,000 miles
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, CitiBusiness / AAdvantage Platinum Select Mastercard or Target Circle Card Mastercard?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has a public bonus (65,000 miles, worth roughly $1,073), while the Target Circle Card Mastercard doesn't advertise one right now.
- Is the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 annual fee worth it compared to the Target Circle Card Mastercard?
- At $99/yr, the CitiBusiness / AAdvantage Platinum Select Mastercard 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 CitiBusiness / AAdvantage Platinum Select Mastercard and Target Circle Card Mastercard?
- Yes, since they're from different issuers (Citi 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 CitiBusiness / AAdvantage Platinum Select Mastercard or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. CitiBusiness / AAdvantage Platinum Select Mastercard: $4,000 spend in 4 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.