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TD Bank First Class vs Target Circle Card Mastercard

Both are TD Bank cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. First Class 1.0% 1x base rate
  2. Target Circle Card Mastercard 1.0% 1x base rate

Dining

  1. First Class 3.0% 3x
  2. Target Circle Card Mastercard 2.0% 2x

Gas

  1. Target Circle Card Mastercard 2.0% 2x
  2. First Class 1.0% 1x base rate

Travel

  1. First Class 3.0% 3x
  2. Target Circle Card Mastercard 1.0% 1x base rate

Department stores

  1. Target Circle Card Mastercard 5.0% 5x
  2. First Class 1.0% 1x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge First Class $89 and Target Circle Card Mastercard $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: First Class takes dining and travel; Target Circle Card Mastercard takes gas and department stores.

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Pass content preview
CategoryBest card
Everything elseFirst Class1.0%
DiningFirst Class3.0%
GasTarget Circle Card Mastercard2.0%
TravelFirst Class3.0%
Department storesTarget 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

  1. First Class — 1.0%
  2. Target Circle Card Mastercard — 1.0%

Dining

  1. First Class — 3.0%
  2. Target Circle Card Mastercard — 2.0%

Gas

  1. Target Circle Card Mastercard — 2.0%
  2. First Class — 1.0%

Travel

  1. First Class — 3.0%
  2. Target Circle Card Mastercard — 1.0%

Department stores

  1. Target Circle Card Mastercard — 5.0%
  2. First Class — 1.0%
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