For quite some time the Target REDcard prepaid was the easiest and cheapest (free) way to manufacture spend $5,000 per month.
Then things started to change. In February I wondered if Target was limiting credit card loads to REDcard to $1,000 per day? This wasn’t exactly the case but was the rule for many locations…
It really seemed like each Target had the authority to make up their own policies when it came to REDcard. At stores close to home in Brooklyn, NY a manager was needed to load the card which could cause ridiculously long waits.
Just before the end of credit card loads to REDcard I had a good experience loading my card in Atlanta and was never asked this before. Then there was news of the end of credit card loads and I wondered what was next?
While I still don’t have an answer as to what’s next (MS in the NYC area seems to always be more difficult than in other areas), I did have a new kind of success with my REDcard at a Target in Brooklyn recently.
The REDcard might not be the most helpful tool anymore for hitting minimum spends on new credit cards but it can be a great way to earn other miles and points.
I had read that loading REDcard with prepaid debit gift cards was an option to try out but was not without issue.
Most debit gift cards do not have our names on them and also have the words Gift Card clearly spelled out on the front. Would Target ask to see the card being used to load REDcard and deem gift cards as an unacceptable type of debit card to use for loads? Due to how strict Target stores close to home became with loading REDcard, I was hesitant to give this option a try but felt that I needed to.
Over the past couple of years I’ve used up quite a few United miles on two trips to the Balkans (2013 and 2014) and our recent trip to Myanmar. Considering that it just about always seems that United has award availability to the destinations we want to go, I need a way to replenish my account.
I decided to do a test at a Target in Brooklyn.
I bought one $200 Visa gift card at Staples with my Chase Ink card. For the $6.95 fee I earned 1,000 Ink points. Now I needed to unload the funds.
I covered the words Gift Card with the sticker to make my debit card look less obvious that it was a gift card.
I headed over to the Target Gateway location and waited at the customer service area for around 5 minutes on line. When it was my turn, I asked to load my REDcard with my debit. Without a blink of an eye the customer service rep said sure and then told me to swipe. I was at the register no more than a minute and a half before I was done with this load!
WOW. Yes I was a bit surprised. No suspicious looks or asking to see my debit card or a photo ID.
While I know debit gift card loads do work, I thought it would’ve been a bit of a hassle close to home.
Now it’s time to head to Staples and pick up a few more gift cards. When I go to Target next time, I definitely want to load a bit more than one $200 gift card. I’ll probably just try to load 2 (maybe 3) cards.
It’s probably better to not ask to swipe too many debit cards in one transaction.
Have you loaded your Target REDcard with prepaid gift cards? If so, have you taken a cautious approach or do you try to load as much possible during each visit?