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Side-by-side
Target Circle Card Mastercard vs USAA Preferred Cash Rewards
Both are cashback travel cards. The Target Circle Card Mastercard comes from TD Bank at $0/yr; the USAA Preferred Cash Rewards from USAA 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 | USAA Preferred Cash Rewards |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $250 cash bonus | |
| Bonus value (est.) | - | $250 |
| Min spend to unlock bonus | - | $1,000 in 3 mo |
| Issuer | TD Bank | USAA |
| Card category | cashback | cashback |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Target Circle Card Mastercard
$0/yr ·
Read the full review
USAA Preferred Cash Rewards
$0/yr · $250 cash bonus
Editorial take: USAA Preferred Cash Rewards
Common questions
- Which card has the bigger sign-up bonus, Target Circle Card Mastercard or USAA Preferred Cash Rewards?
- The USAA Preferred Cash Rewards has a public bonus ($250 cash bonus, 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 USAA Preferred Cash Rewards?
- The Target Circle Card Mastercard has no annual fee, so the question is whether the USAA Preferred Cash Rewards's $0 fee is justified by its perks. If you'll use enough of the USAA Preferred Cash Rewards'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 USAA Preferred Cash Rewards?
- Yes, since they're from different issuers (TD Bank and USAA) 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 USAA Preferred Cash Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Target Circle Card Mastercard: no published min spend. USAA Preferred Cash Rewards: $1,000 in 3 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.