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Target Circle Card Mastercard vs Upgrade Triple Cash Rewards Visa
Both are well-respected travel cards. The Target Circle Card Mastercard comes from TD Bank at $0/yr; the Upgrade Triple Cash Rewards Visa from Upgrade at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Target Circle Card Mastercard | Upgrade Triple Cash Rewards Visa |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 statement bonus | |
| Bonus value (est.) | - | $200 |
| Min spend to unlock bonus | - | $0 in 2 mo |
| Issuer | TD Bank | Upgrade |
| Card category | cashback | cash-back |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Target Circle Card Mastercard
$0/yr ·
Read the full review
Upgrade Triple Cash Rewards Visa
$0/yr · $200 statement bonus
Editorial take: Upgrade Triple Cash Rewards Visa
Common questions
- Which card has the bigger sign-up bonus, Target Circle Card Mastercard or Upgrade Triple Cash Rewards Visa?
- The Upgrade Triple Cash Rewards Visa has a public bonus ($200 statement bonus, worth roughly $200), 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 Upgrade Triple Cash Rewards Visa?
- The Target Circle Card Mastercard has no annual fee, so the question is whether the Upgrade Triple Cash Rewards Visa's $0 fee is justified by its perks. If you'll use enough of the Upgrade Triple Cash Rewards Visa's benefits to clear $0 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 Upgrade Triple Cash Rewards Visa?
- Yes, since they're from different issuers (TD Bank and Upgrade) 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 Target Circle Card Mastercard or the Upgrade Triple Cash Rewards Visa first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Target Circle Card Mastercard: no published min spend. Upgrade Triple Cash Rewards Visa: $0 in 2 months. 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.