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Side-by-side
Target Circle Card Mastercard vs Wells Fargo Autograph Card
Both are well-respected travel cards. The Target Circle Card Mastercard comes from TD Bank at $0/yr; the Wells Fargo Autograph Card from Wells Fargo 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 | Wells Fargo Autograph Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 20,000 points | |
| Bonus value (est.) | - | $200 |
| Min spend to unlock bonus | - | $1,000 in 3 mo |
| Issuer | TD Bank | Wells Fargo |
| Card category | cashback | travel |
| Transfer partners | None | wf-rewards |
| Headline benefits |
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Read the full review
Target Circle Card Mastercard
$0/yr ·
Read the full review
Wells Fargo Autograph Card
$0/yr · 20,000 points
Editorial take: Wells Fargo Autograph Card
The best no-annual-fee card for everyday spend in 2026. 3x on six broad categories with no caps trumps almost every other free card. Pair with the Autograph Journey if you want transferable points.
Common questions
- Which card has the bigger sign-up bonus, Target Circle Card Mastercard or Wells Fargo Autograph Card?
- The Wells Fargo Autograph Card has a public bonus (20,000 points, 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 Wells Fargo Autograph Card?
- The Target Circle Card Mastercard has no annual fee, so the question is whether the Wells Fargo Autograph Card's $0 fee is justified by its perks. If you'll use enough of the Wells Fargo Autograph Card'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 Wells Fargo Autograph Card?
- Yes, since they're from different issuers (TD Bank and Wells Fargo) 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 Wells Fargo Autograph Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Target Circle Card Mastercard: no published min spend. Wells Fargo Autograph Card: $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.