Target Circle Card Mastercard vs TD First Class Visa Signature Credit Card

Common questions

Which card has the bigger sign-up bonus, Target Circle Card Mastercard or TD First Class Visa Signature Credit Card?

The TD First Class Visa Signature Credit Card has a public bonus (25,000 bonus miles, worth roughly $250), while the Target Circle Card Mastercard doesn't advertise one right now.

Is the Target Circle Card Mastercard's $0 annual fee worth it compared to the TD First Class Visa Signature Credit Card?

The Target Circle Card Mastercard has no annual fee, so the question is whether the TD First Class Visa Signature Credit Card's $89 fee is justified by its perks. If you'll use enough of the TD First Class Visa Signature Credit Card's benefits to clear $89 in value annually, it's worth it; otherwise stick with the Target Circle Card Mastercard.

Can I have both the Target Circle Card Mastercard and TD First Class Visa Signature Credit Card?

Yes, though both are issued by TD Bank so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Target Circle Card Mastercard or the TD First Class Visa Signature Credit Card first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Target Circle Card Mastercard: no published min spend. TD First Class Visa Signature Credit Card: $3,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.