Editorial take: Delta SkyMiles Gold American Express Card
A good choice for Delta loyalists. The free checked bag and $200 flight credit easily offset the $150 annual fee if you fly Delta a few times a year.
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Side-by-side
Delta SkyMiles Gold American Express Card vs Target Circle Card Mastercard
Both are well-respected travel cards. The Delta SkyMiles Gold American Express Card comes from American Express at $150/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 Delta SkyMiles Gold American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($960 more in estimated value) than the Target Circle Card Mastercard's. Get the Delta SkyMiles Gold American Express Card first; revisit the Target Circle Card Mastercard after you've earned that bonus.
| Feature | Delta SkyMiles Gold American Express Card | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $150 | $0 |
| Sign-up bonus | 80,000 bonus miles | |
| Bonus value (est.) | $960 | - |
| Min spend to unlock bonus | $3,000 in 6 mo | - |
| Issuer | American Express | TD Bank |
| Card category | airline | cashback |
| Best earning category (Delta) | 2x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Delta SkyMiles Gold American Express Card
$150/yr · 80,000 bonus 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, Delta SkyMiles Gold American Express Card or Target Circle Card Mastercard?
- The Delta SkyMiles Gold American Express Card has a public bonus (80,000 bonus miles, worth roughly $960), while the Target Circle Card Mastercard doesn't advertise one right now.
- Is the Delta SkyMiles Gold American Express Card's $150 annual fee worth it compared to the Target Circle Card Mastercard?
- At $150/yr, the Delta SkyMiles Gold American Express 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 Delta SkyMiles Gold American Express Card and Target Circle Card Mastercard?
- Yes, since they're from different issuers (American Express 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 Delta SkyMiles Gold American Express Card or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Gold American Express Card: $3,000 spend in 6 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.