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Side-by-side

Mastercard Titanium Card vs Target Circle Card Mastercard

Both are well-respected travel cards. The Mastercard Titanium Card comes from Barclays (Luxury Card) at $299/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

If you're not sure you'll use premium perks, start with the Target Circle Card Mastercard, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureMastercard Titanium CardTarget Circle Card Mastercard
Annual fee$299$0
Sign-up bonusNo public welcome bonus
Bonus value (est.)$0-
Min spend to unlock bonus$0 in 0 mo-
IssuerBarclays (Luxury Card)TD Bank
Card categorytravelcashback
Best earning category (Airfare_hotels_luxurycardtravel)2x1x
Transfer partnersNoneNone
Headline benefits
  • Priority Pass Select ($469 value)
  • 2x airfare and hotels via LuxuryCardTravel
  • 24/7 Concierge
  • No foreign transaction fees
    Read the full review
    Mastercard Titanium Card
    $299/yr · No public welcome bonus
    Read the full review
    Target Circle Card Mastercard
    $0/yr ·

    Editorial take: Mastercard Titanium Card

    The entry tier of the Barclays Luxury Card lineup. The $299 AF buys Priority Pass Select and a real metal card, but earning is weak (1x base, 2x on Luxury Card Travel bookings) and the cash-back redemption rate is only 1 cent per point. Better only as a status-and-lounge play for people who do not want to carry a Sapphire Reserve or Venture X.

    Editorial take: Target Circle Card Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Mastercard Titanium Card or Target Circle Card Mastercard?
    The Mastercard Titanium Card has a public bonus (No public welcome bonus, worth roughly $0), while the Target Circle Card Mastercard doesn't advertise one right now.
    Is the Mastercard Titanium Card's $299 annual fee worth it compared to the Target Circle Card Mastercard?
    At $299/yr, the Mastercard Titanium 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 Mastercard Titanium Card and Target Circle Card Mastercard?
    Yes, since they're from different issuers (Barclays (Luxury Card) 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 Mastercard Titanium Card or the Target Circle Card Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Mastercard Titanium Card: $0 spend in 0 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.