TD Bank Cash vs Target Circle Card Mastercard
Both are TD Bank cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Cash 1.0% 1% base rate
- Target Circle Card Mastercard 1.0% 1x base rate
Dining
- Target Circle Card Mastercard 2.0% 2x
- Cash 1.0% 1% base rate
Gas
- Target Circle Card Mastercard 2.0% 2x
- Cash 1.0% 1% base rate
Department stores
- Target Circle Card Mastercard 5.0% 5x
- Cash 1.0% 1% base rate
What the numbers are doing
Cash lets you choose one category to earn 3% on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.
Where they differ: Target Circle Card Mastercard takes dining, gas and department stores. Cash wins nothing outright in this wallet.
| Category | Best card |
|---|---|
| Everything else | Cash1.0% |
| Dining | Target Circle Card Mastercard2.0% |
| Gas | Target Circle Card Mastercard2.0% |
| Department stores | Target Circle Card Mastercard5.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Cash — 1.0%
- Target Circle Card Mastercard — 1.0%
Dining
- Target Circle Card Mastercard — 2.0%
- Cash — 1.0%
Gas
- Target Circle Card Mastercard — 2.0%
- Cash — 1.0%
Department stores
- Target Circle Card Mastercard — 5.0%
- Cash — 1.0%
This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.
iPhone app · not yet released
Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.
Open this ranking in the generatorA cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.