It used to be much easier to meet minimum spends to earn credit card sign-up bonuses. With the demise of Amazon Payments, Vanilla Reloads at CVS and other methods of manufactured spend just being a pain in the NYC area, I’ll turn to my Amex For Target at times.
American Express For Target can be loaded by credit card at Targets stores. The cost to load the card is $3 and you can add up to $1,000 each time. There are lots of limitations to this which I’m not going to go into…
$3 to load/ charge $1,000 sounds like a pretty good deal when you think of the costs of other methods. However, besides one free ATM withdrawal per month, you’re going to pay a fee of $3 each time you want to use an ATM after (per month). Oh, and you can only take out up to $400 from an ATM per day. Don’t forget that you’ll also pay a fee for using whichever ATM you choose. Those fees will vary.
The bottom line is that if I need to meet the minimum spend to earn credit card sign-up bonuses, the Amex For Target prepaid card is definitely an option.
I haven’t loaded my card many times but whenever I do, there always seems to be a problem.
Either the cashier doesn’t know what the card is or how to load it or each store has their own rules when it comes to loading it. This can definitely be frustrating and waste a lot of time.
The first few times I loaded my card, I did so at a regular cash register. Then after waiting on line a different time I was told loads could only be done at the customer service area.
Can’t Target just have the same policy at all of their stores? (Oh wait, this sounds like a similar theme to CVS- selling/ not selling Vanilla etc.)
Yesterday was the most annoying Target For Amex reload experience to date.
I found a short line and briefly waited before asking to load my card. The cashier had no clue what the card was. She swiped it though and followed the prompts to key in the amount I wanted to add (which was the max. allowed of $1,000.).
The transaction was moving along fine but she wasn’t sure if she did it right or maybe she wasn’t comfortable due to the amount of money I wanted to add.
She called over a supervisor who then told me that at a register this amount was not allowed. She said it was only allowed to load up to $200. I immediately asked when this rule came about. After some mumbling, it turned out there was a change last week. (For some reason or other I didn’t believe her…)
The supervisor said the only area to load over $200 was in the electronics department! This made no sense. If she said customer service, fine… I asked her to walk with me over to electronics but she refused and said it wasn’t necessary.
I showed up at the electronics register and sure enough, none of the 4 employees had a clue what the Amex For Target card was or how to load it.
Finally another supervisor type showed up and went ahead and loaded Kim and my Amex For Target cards.
I thanked him and asked about the rules of loading the card. I told him about being told that only the electronics department could add over $200. He seemed to have no idea about this rule and that was the end of the conversation…
Has any of you experienced problems or inconveniences when loading the American Express For Target card?
Find out more about the Amex For Target card here.