Target Circle Card Mastercard vs U.S. Bank Business Altitude Power Visa Signature Card

Common questions

Which card has the bigger sign-up bonus, Target Circle Card Mastercard or U.S. Bank Business Altitude Power Visa Signature Card?

The U.S. Bank Business Altitude Power Visa Signature Card has a public bonus (75,000 Altitude points, worth roughly $750), 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 U.S. Bank Business Altitude Power Visa Signature Card?

The Target Circle Card Mastercard has no annual fee, so the question is whether the U.S. Bank Business Altitude Power Visa Signature Card's $195 fee is justified by its perks. If you'll use enough of the U.S. Bank Business Altitude Power Visa Signature Card's benefits to clear $195 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 U.S. Bank Business Altitude Power Visa Signature Card?

Yes, since they're from different issuers (TD Bank and U.S. 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 Target Circle Card Mastercard or the U.S. Bank Business Altitude Power Visa Signature Card first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Target Circle Card Mastercard: no published min spend. U.S. Bank Business Altitude Power Visa Signature Card: $10,000 in 4 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.