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Side-by-side
Target Circle Card Mastercard vs Wells Fargo Business Elite Signature Card
Both are well-respected travel cards. The Target Circle Card Mastercard comes from TD Bank at $0/yr; the Wells Fargo Business Elite Signature Card from Wells Fargo at $125/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 Business Elite Signature Card |
|---|---|---|
| Annual fee | $0 | $125 |
| Sign-up bonus | ||
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | - |
| Issuer | TD Bank | Wells Fargo |
| Card category | cashback | business |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Target Circle Card Mastercard
$0/yr ·
Read the full review
Wells Fargo Business Elite Signature Card
$125/yr ·
Editorial take: Wells Fargo Business Elite Signature Card
Common questions
- Which card has the bigger sign-up bonus, Target Circle Card Mastercard or Wells Fargo Business Elite Signature Card?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the Target Circle Card Mastercard's $0 annual fee worth it compared to the Wells Fargo Business Elite Signature Card?
- The Target Circle Card Mastercard has no annual fee, so the question is whether the Wells Fargo Business Elite Signature Card's $125 fee is justified by its perks. If you'll use enough of the Wells Fargo Business Elite Signature Card's benefits to clear $125 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 Business Elite Signature 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 Business Elite Signature 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 Business Elite Signature Card: no published min spend. 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.