How to get the American Express for Target card


UPDATE 1/12/2016: The American Express for Target card has been discontinued



I recently posted “The 5X everywhere backup plan” where I showed how people unable to buy Vanilla Reload cards could still earn 5 points per dollar everywhere by making use of the American Express for Target card.  I consider it the backup plan to the “One card to rule them all” trick.  I also plan to follow-up with one or more additional posts showing how best to leverage this card.

In this post, I’ll tell you how to go about getting one of the Target Amex cards.

Unlike the regular American Express Prepaid cards and the new Bluebird card, the Target Amex cards cannot be ordered online.  Instead, you need to first buy a temporary card at a participating Target and then wait for a permanent card to (hopefully) arrive.  I found the whole process surprisingly difficult.  To save you some headache, I’ve laid out below everything you need to know:

Find a participating Target

In order to get the American Express for Target card, you need to go in person to a Target store that carries them. You can find those stores here.

Find the temporary card in the store

Finding the card isn’t easy.  In my case, I had to ask four or five employees before I found someone who knew what I was talking about. Most employees pointed me towards regular Amex gift cards. In the end, I found the card I wanted by one (and only one) of the many checkout lanes. Here is what to look for:


My advice is to look at all of the displays near and above the checkout lanes until you find a card that looks like the one pictured above.  Make sure it says “reloadable prepaid card.”  Otherwise you may be buying a simple, uninteresting gift card.

Buy the card

Now that you’ve found the card, it should be easy to buy it right?  I wish!  The surprising thing here is that when you buy this card, the cashier will be prompted to ask you all kinds of questions that you probably don’t really want to answer while a line of angry customers forms behind you. They’ll ask for your full name and address. They’ll ask you to input your SSN on the keypad.  I can’t remember all of the questions I had to answer, but I’m pretty sure they asked me to describe my life’s most embarrassing moment (“easy – this one!”).  Finally, after sharing all of your personal information with the cashier and the angry mob behind you, you can pay for the initial card load with any credit card. There is a $3 fee for each load.

NOTE: In case you’re worried that a credit card load will be treated as a cash advance: I have tested loads and reloads with Chase, Amex, and Citi credit cards.  All transactions were credited as regular Target purchases, not as cash advances (that’s a good thing).

Wait and hope

The card you just bought at Target is a temporary card that cannot be reloaded. You can use it for regular credit purchases, but not for ATM withdrawals. If all goes well, you will receive your permanent card in the mail in a few weeks. If not, you’ll receive a letter or email stating that they were unable to verify your identity. That’s what happened to me.  So, I called and they resubmitted my application.  A few weeks later I received another letter stating that they were unable to confirm my identity (Really?  You know I carry a gazillion Amex cards, right?).  Ultimately I had to buy another temporary card in order to try again. The second attempt succeeded. I have no idea why the first attempt failed, but I’ve heard from others who have had similar experiences so don’t be surprised if it happens to you too!

Good luck!

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.
Chase 5/24 semantics ("Subject to" vs. "Count towards"): Most Chase cards are subject to the 5/24 rule. That means the rule is enforced in making approval decisions. In other words, you probably won't get approved if your credit report shows that you opened 5 or more cards in the past 24 months. Meanwhile, most business cards (such as those from Chase, Amex, Barclaycard, BOA, Citi, US Bank, and Wells Fargo) are not reported on your personal credit report. These cards do not count towards 5/24.

Example: Chase Ink Business Preferred is subject to 5/24, so you likely won't get approved if over 5/24. If you do get approved, it won't count towards 5/24 since it won't appear as an account on your credit report.
Amex credit and charge card limits: If you apply for a new Amex credit card, you may get turned down if you already have 5 or more Amex credit cards; or 10 or more Pay Over Time (AKA charge) cards. Both personal and business cards are counted together towards these limits. Authorized user cards are not counted. See also: Which Amex Cards are Charge Cards vs. Credit Cards?
Applying for Business Credit Cards

Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.

When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.

Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.
Manufacturing Spend Caution: Many, many things can go wrong when manufacturing spend. If you suddenly increase credit card spend, your accounts may get shut down. If you cycle your balance often (e.g. spend to your limit, pay the bill, repeat) within a billing cycle, your accounts may get shut down. If you repeatedly pay your credit card bill from an anonymous bill payment source, your accounts may get shut down. If you buy lots of gift cards you may lose money due to gift card fraud, theft, loss, or simply mishandling those gift cards (e.g. maybe you thought you already used a gift card and tossed it into your “used” bin). If you rely on only one method to liquidate gift cards, you may be stuck unable to pay your credit card bill when that method gets shut down. In other words, don’t try this at home unless you know what you’re doing, and you understand and accept the risks..
Chase Ultimate Rewards points are super valuable and super flexible. At the most basic level, points can be redeemed for cash or merchandise, but you'll only get one cent per point value that way. A better option is to use points for travel. When points are used to book travel through the Ultimate Rewards portal, points are worth 1.25 cents each with premium cards (Sapphire Preferred or Ink Business Preferred, for example) or 1.5 cents each with the ultra-premium Sapphire Reserve card. Another great option is to transfer points from a premium or ultra-premium card to an airline or hotel program when high value awards are available (see this post for details). If your points are tied to a no-fee "cash back" Ultimate Rewards card, then first move those points to a premium or ultra-premium card before redeeming them in order to get better value.
Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.
Marriott points can be redeemed for free night awards, travel packages, airline miles, or experiences. 5th Night Free Awards: When redeeming points for free nights, the 5th night within a single reservation is free. Airline miles: Points can be converted to airline miles at a rate of 3 points to 1 mile. With many programs, a bonus is added on when you transfer 60,000 points at a time, such that 60,000 points transfers to 25,000 miles. Also, you'll get a 10% bonus when transferring points to United Airlines.

Everything you need to know about Marriott's rewards program, Bonvoy, can be found here: Marriott Bonvoy Complete Guide
Editor’s Note: This guest post was written by the same guy who showed you how to fly round trip to Africa (DC to Senegal) for 50,000 points, how to book business class to Europe for 80,000 miles roundtrip, and more. You can find John’s website and award booking service here:
-Greg The Frequent Miler

Amex Application Tips

  • Safe to Apply: Amex is the safest bank for trying your luck at earning a new welcome bonus offer. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

  • Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from earning a welcome bonus offer for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

  • 90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.

  • 5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.

  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.

  • Hard inquiries combine into 1 when approved same day

Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)

Chase Application Tips

  • Shut-Down Caution: Signing up for new Chase cards can lead to Chase reviewing your accounts. This may lead to Chase shutting down all of your accounts if you appear to be a credit risk. See this post for details and recommendations: Why Chase shutdowns have increased and how to avoid them.
  • 5/24 Rule: With most Chase cards, you won't get approved if your credit report shows 5 or more cards opened in the past 24 months. Details here.
  • 24/48 Month Rule: With most Chase cards, you can get the same card and bonus again 24 months after having received the bonus as long as you no longer have the card open. With Sapphire cards, you must wait 48 months. No wait is required for Chase Ink cards.
  • 30 Day Rule: It is tough to get approved for more than 2 Chase cards within 30 days
  • Get Same Card Again: You can get the same exact card and again if you first cancel the older card and follow the 24/48 month rule. Ink cards are OK to get again without cancelling previous card if you apply with a new business.
  • Better Offers: You may be able to get a better offer than the best available public offer. Details here.
  • Hard inquiries combine into 1 when approved same day (not always true when mixing business and personal)

Call (888) 338-2586 to check your application status
If denied, call reconsideration here:1-888-270-2127 for both personal and business cards

Citi Application Tips

  • 24 Month Rule (ThankYou Cards): To get bonus on any ThankYou card, you must wait 24 months after receiving a new cardmember bonus or closing any ThankYou card account. Applies to Preferred, Premier, Prestige, and Rewards+.
  • 24 Month Rule (Expedia Cards): To get bonus on any Expedia card, you must wait 24 months after opening or closing any Expedia card account.
  • 48 Month Rule (AA Cards): With Citi AA cards, you have to wait 48 months after receiving a bonus for the same exact card.
  • Velocity Rules: Max 1 personal card per 8 days. Max 2 personal cards per 65 days. Max 1 business card per 95 days.
  • Get Same Card Again: Citi allows getting same card again (even if card is still open) as long as you follow the 24 or 48 month rules and velocity rules (above).
  • Hard inquiries DO NOT combine into 1 when approved same day

Check application status here.
If denied, call reconsideration here:800-695-5171 (personal); 800-763-9795 (business)
If reconsideration # doesn’t work, try the Citi Credit Card Executive Office: 423-477-6858

Bank of America Application Tips

  • 3/12 or 7/12 Rule: You won't be approved if you have opened 3 or more accounts, with any bank, in the past 12 months. For those with Bank of America deposit accounts, the rule changes to 7+ accounts.
  • 2/3/4 Rule: Max 2 consumer cards per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months.
  • 5 card limit: You will not get approved for a new consumer card if you already have 5 consumer BOA cards open
  • Get Same Card Again: With some BOA cards, must wait 24 months after either opening or cancelling, depending upon the card.
  • Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining.

Click here to check your application status
If denied, call reconsideration here: 800-354-0401 (8am-7pm ET Mon-Fri); 866-695-6598 (business cards);

Barclays Application Tips

  • Get Same Card Again: Must wait at least 6 months after cancelling previous card (with some accounts Barclays requires waiting 24 months).

  • Hard inquiries are combined into 1 when approved same day. Most inquiries issued through TransUnion.

Consumer: Click here to check your application status
Business cards: Click here
If denied, call reconsideration here: 866-710-2688

Capital One Application Tips

  • 6 month rule: Must wait 6 months after applying for a Capital One card before applying for another one.

  • 2 card limit: Conventional wisdom and user experience has been that you can have at most 2 Capital One consumer cards, but according to application terms it may be possible to have up to 5. You may be limited to 2 of their rewards cards. Note that this limit does not apply to Capital One co-branded cards like the Kohl's charge card.

  • Get Same Card Again: There is no known rule against getting the same card and bonus again even if you still have the card open.

  • Hard inquiries usually get issued through all 3 credit bureaus

To check application status, call (800) 903-9177 or (877) 277-5901
If denied, call reconsideration here: (800) 625-7866

Discover Application Tips

  • 2 card limit: You can have a maximum of 2 Discover cards.

  • 12 month rule: Must wait just over 12 months after previous card was opened before applying for another Discover card.

  • Get Same Card Again: No known rules against getting same card & bonus again.

Click here to check your application status
If denied, call reconsideration here: 888-676-3695

TD Bank Application Tips

Call (888) 561-8861 to check your application status

US Bank Application Tips

  • Get Same Card Again: Depends on the product. For example, with the Altitude Reserve card you cannot get the bonus again. The terms state "The bonus is not available to Cardmembers who currently have, or had, a U.S. Bank Altitude Reserve Visa Infinite account."

  • Hard inquiries may be combined into 1 when approved same day.

Call (800) 947-1444 to check your application status.
If denied, call reconsideration here: 800-947-1444 or 800-685-7680

Wells Fargo Application Tips

  • Bank first: Wells Fargo usually requires having a bank account open before you can apply for a credit card.

  • 16 month rule: Limit of one signup bonus per 16 months

  • Get Same Card Again: No known rules against getting same card & bonus again.

  • Hard inquiries are combined into 1 when approved same day.

Check application status here.
If denied, call reconsideration here: 1-866-412-5956 (consumer) or 1-800-231-9244 (business)

Under certain circumstances consumer Visa cards don't work with Plastiq. The following payments are fine:

  • Rent (residential rent, HOA fees, and commercial rent)
  • Taxes & government fees
  • Utilities (electricity, cable, internet, and telecom)
  • Tuition (including daycare and camp)
Payments outside of the above list are subject to the following limitations:

  1. Payments using personal Visa cards issued by Chase are subject to a limit of 20% of your credit limit.
  2. Payments using personal Visa cards from other issuers (other than Capital One or Wells Fargo) will code as a cash advance. That means you’d incur cash advance fees and wouldn’t earn any credit card rewards.
  3. The following types of Visa cards are not affected by these changes: Capital One personal Visa cards, Wells Fargo personal Visa cards, Visa business credit cards, Visa corporate, debit and prepaid gift cards.
In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus offer. For example, most new cardmember bonuses have terms like this:
Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents.
That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):
We have added this to our running list of Black Friday deals, which will be constantly updated through Cyber Monday with a mix of gift card deals, merchandise deals, and travel deals. Check back often.
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[…] In order to get the American Express for Target card, you need to go in person to a Target store that carries them. You can find those stores here.  Unfortunately, finding the store is just half the battle.  It can be surprisingly difficult to find this product in a store that carries it, and even then there are challenges to getting the card.  For details of how to get the card, see “How to get the American Express for Target card.” […]

[…] Amex for Target, and more recently the Target Prepaid REDcard (AKA REDbird), have been fantastic options for increasing credit card spend, draining gift cards (including Amex gift cards), and more.  It seems likely to me that policy changes caused by the new reloadable debit cards will be applied across the board and will include our old and new Amex friends.  That would be very bad. […]


I have already 3 AMEX Prepaid cards. Think tere will be any problem getting one of these Target cards as well?

[…] to Frequent Miler, Will Hernadez, Romsdeals for the […]


Has anyone been able to buy this anywhere in Florida lately?

I have been to Target Stores in Miami, Fort Lauderdale, West Palm Beach and Orlando in the last month and they did not have any.

At 2 Super Targets I found the original display for them, but no Amex for target cards where available anywhere. I asked management and they have not received any in a long time.

Please help me, if you know where I might be able to find them.


William Charles

Did you ask management to get more in stock? Usually they are pretty good about that.


They said, they do no longer sell them.


I got the same “Offline to processor – Can’t sell card” error when trying to purchase at two different Target stores. I am in CA.


The problem has been resolved. You should be able to buy a card now.

Rapid Travel Chai

@Chris – thanks, I will give it a try, just got a new Amex Mercedes-Benz Platinum that I need to give a spin.

Lord Advantine

Which car dealer is selling the Amex Platinum Mercedes-Benz? Does it come with a rimless stripe?


Thanks you, Chris! Finally I bought one today. Hopefully I will get the permanent card soon, :->

Rapid Travel Chai

Finally got around to trying to get this, tried two stores in Illinois last week and one in New Jersey this week, multiple POS machines, and all had an error at the last step in the process. After clicking to verify all the information and before payment the system gives an error to the cashier, “Offline to processor – can’t sell card.” These stores rarely sell them and had no idea of the problem. One manager suggested I called the customer support line, which produced a clueless guy who had difficulty understanding the issue and checking with a supervisor had no info on the issue. For more fun I tweeted askamex, they said they would investigate, so far no response. I wonder how long they have been offline. Must not be selling many if no one seems to know they are down.

[…] gift card.  I first learned about this card from Frequent Miler’s post last October (post).  It hasn’t gotten much attention lately with Bluebird dominating the reloadable space, but […]


has the leading 0 issue been resolved? is this method of MS still viable? thanks


am i the only 1 whos unable to transfer $ from vanilla to bluebird??? plz advise. thanks


My first verification failed also but i do not have the 0 issue. When I called they asked if the address I gave was the one that was linked to my social security card, almost as if they were using that for verification of address which is ridiculous, I got my S.S. card when I was born and have had no need to update the address as most people don’t have need to unless they are receiving S.S. benefits. The guy had me give him my driver’s license number because he said otherwise since all my information was the same as I originally imputed it would just get automatically denied again. Is it just me or does it seem like this guy has enough information already to steal my identity yet cannot verify the information for this card? I mean what is next giving them my passport information?! If this verification does not go through I’m going to take up serious issue with these guys and request they tell me exactly how they are doing this verification that they can have all this information and still not be able to verify something as simple as a re-loadable prepaid card.


@FM, can you load the Amex for target card online or only at Target? And can you use a loaded permanent Amex for Target card with its pen number (when you get it) to load your Bluebird card at Walmart? Thanks


sweetsavage77: Only in-store with a credit card. No, you can’t use it as a debit card to load bluebird (nor for any other debit card use)


gloreglabert: Just adding another data point to confirm. Another ID they can’t verify, and another SS with a 0 at the start. Thanks for shedding light on it! Maybe I’ll contact their CS again to ask if there’s any ETA on the issue.


VR: I had to spend down the balance and couldn’t use an ATM for the card that wasn’t verified.
Alfred: I’m glad that worked out!
gloreglabert: Thanks for shedding light on that issue!


@Alfred — both my and my wife’s initial verifications failed, and both of our resubmissions failed again. We both have socials starting with zero. It may well be that there are multiple bugs in the system, but I’m pretty sure the leading zero issue is one of them.


@gloreglabert, Yes, agreed…there r lots of glitches in the approach this verification works. Hope they fix it soon… I spent like almost 3 hours within last 3 days talking/trying to reach the CSR to make it happen…


I’ve most likely finally figured out what the verification issue is that’s causing headaches for so many people, myself included. Here it is: if you have a social security number that starts with a zero, you won’t get verified — their system is probably storing socials as numbers rather than strings, so leading zeros get dropped. I finally got through to someone at Amex other than the useless Amex for Target CSRs, and after a couple days research they got back to me and told me this problem. She said they’re working on it but have no ETA at the moment.

Bottom line — if your social starts with a zero, don’t bother trying to get a Target Amex right now. It won’t work.


I had applied for AMEX for Target few days back. Initially verification got rejected. I mentioned to CSR about owning AMEX BlueSky Credit card and Target Red Card, and it is ridiculous that prepaid card got declined.

Once again asked them to verify by asking them to key-in the information again. And it helped.

On calling next day, got info. that permanent card will be dispatched within 10 business days. Hope it helps….


I applied for the AMEX for Target yesterday with initial load of 500$. Today CSR told the verification process is denied for me. She has initiated a new request for re-verification but I have no hope as I gave the same correct information when my details were keyed-in target POS system. Letz hope it gets through.

If it does not can I request a check from them ?


What happened to the funds on the first card, the one where they could not verify your identity?
I got the card recently, but it seems like the target register did not transmit information to amex properly and the card does not show as activated. I faxed front and back of both card and packaging, target receipt for $503 and copy of Drivers License to amex and they said they’ll investigate within 10 business days. I am thinking I should have activated with just a few bucks at first.


Is it possible to fund the Target Amex with Target Gift Cards?




We swiped our licenses all 3 times when we picked up our cards, and all our data showed up on the screen and looked correct. All we had to enter ourselves was DOB and SSN. Since we had no success, for my next attempt I’m going to NOT swipe my card and see if I have any better luck. Do you enter your driver’s license number if you don’t swipe?


gbert: In my case, I don’t remember even being prompted to swipe my driver’s license. Maybe that’s a state by state thing? Anyway, I believe the cashier typed in that info, but my memory is a bit hazy


gbert: When you picked up your temporary cards, did you swipe your driver’s license? I’ve heard of some people being able to do that in order to get the right info into the computer (I haven’t tried it).


Between my wife and I, we’ve picked up 3 temporary cards. All of them are stuck in identity verification hell, and Amex customer support is the very definition of useless. Their best advice for my wife was to ‘buy another card’, which isn’t even possible since she already has 2. Have you heard anything that might help with this?


Chris F: you can pay with multiple cards for the initial load too.

Chris F.

For the initial load on purchase, is it possible to use multiple credit cards, or will they restrict you to just one? Anyone try this?


Found the card but I couldn’t load it with my Amex Platinum. First time, the card was denied. Second time, it did not say anything. I called Amex Customer Service with no help.


Hey everyone, quick question. I found the prepaid cards at a Target by my house but no one in the store could figure out how to activate them. They tried scanning the two bar codes on the back of the packaging and input an amount to load on the card, but then the whole process failed. Am I supposed to ask them to open the package and swipe the card for the initial load? Thanks in advance.


Just some additional information which may be helpful for some:
I got the temp card yesterday and loaded it with Visa gift card. In fact a combo or Visa gift and Amex CC.
Called the helpline today and asked about permanent card, they told it was approved and should come within 7-10 days. However, he told now I can use this temp card for everything, load more funds, get ATM cash, etc. I registered the card online and got the temporary PIN. Called again and changed the PIN through self service. Will buy some more Visa GCs from OD with my Ink Plus and load 1000 at Target today. Plan to take out cash and use this card for other credit POS transactions too.
Thanks FM for all the info. I am yet to locate the coupon for free load and avoid $3 fee.

Richard K

Funded my temporary card today at a Target that had never even heard of the AMEX for Target. First cashier had no idea what it was, called over supervisor who said no we can’t do this, I countered and asked for manager. Manager said give it a shot. They scanned it with the gun and it came up with nothing, but slid it through the keyboard and it rang up. Loaded $1000 on the temp card with 10 different Visa/Mastercard gift cards. Manager said thanks for showing it to her and she would educate the staff.


meant to say…. any success FUNDING this card at a target where the temp card is not sold


has anyone had success finding this card At a target in a store where they are NOT sold?


FM, I guess this is the more appropriate area to ask this question. I just got the new Target AMEX but still have the temporary card. Will I be able to load that money onto the new permanent card online, or do I have to do it at a Target store?

Steven Lu

Hi FM.

Do you know if using your new pin number that I received in the mail works with the temporary card you get at the target store?



Steven Lu: I don’t know.


I too have been getting the “Unable to verify identity” emails. I was using my Google Voice number in the phone number field. Changing this number to a more physical one seemed to help.


What does the coupon look like? I went to Target today and found the card, but I did not see a coupon for a free load.


@FM: Do you know if we can fund this Amex Target card by Citi AA card and the transaction won’t be listed as cash advance?


umc: I tried the Citi Premier card and it recorded as a regular Target purchase so I expect the same to be true for Citi AA cards


I wanted to buy 2 cards at Target. Unfortunately, register has declined the purchase of the second card. According to T&C, one person can have 2 cards. What is the problem then? Should I wait at least 24 hours before purchasing second card?


Sergey: Yes, you are only allowed to buy 1 per day


how much was the initial card, second, if the card must be purchased initially and submit all personal information but they dont let you load anything on it, how else are you able to use the card right off the bat ?


Choi: you do load money on when you get the card. I don’t think there is a purchase fee other than the $3 load fee.


Just checked with a friend in Target HQ…no plans to expand further – Target loses too much money on these.

I wouldn’t be surprised if Amex’s partnership with Target re this card was a factor is doing one better with Target’s competitor, Wal-Mart.

Andy F.

Hi FM, so you could use Amex to buy the temp card even it is an Amex prepaid card?


, a few days after i opened my bluebird account, i got an email from bb telling me my account was suspended since they could not verify my identity and ask me to fax my ssn card or driver license. did you get similar email for your Target amex card? You mean you did not need to fax?



@viguera, you bought yours in Florida… have you tried loading it another state? which state? thanks

[…] How to get the American Express for Target card […]


Makes me wonder – if it’s not available in your state, but you go over state lines and buy one, if you report your real address if Amex will verify it just fine.


Got the card loaded up with 500 dollars. Now waiting for FM next article on best uses of this card.



Common sense will tell me that all the stores nationwide will be set up with that capacity. It’s just a matter of whether the employee knows how to use the cc to load them.


Even if you get em out of state if your state doesnt participate I dont think you can load them. So if the target you frequent doesnt have them then its a waste of time. Unless you do a mileage run to load em up. 🙂


Wow, none in the great state of WV. At least they have them at the Target in my “second home” in Georgia.



I think frequentmiler said in the previous post that this is the “backup plan”.

It’s good 1)for people who dont have access to vanilla reload card such as NYC 2) when Chase finally puts a lid on the 5x OD purchase 3) when vanilla reload cards dried up. 4) to meet minimum spend 5) a certain few who has exhausted the use of BB per month.

It has some use, because you can use credit card to load up to 1000 for $3 fee. If you can use a Fidelity AMEX card which gives 2% on every purchase, do the math, you still come out ahead. It’s just not so scalable as the “one card which rules them all”.


the store cashier didn’t know how much I can load, so I told her try $500, bought 2 total, my wife and I one each.

Once I receive the permanent card in mail, I can load with visa gift cards? Where Can I load? store or online? and how much is the max?

Michael Belisle

should be able to by getting vanilla card at office depot and load the bb card with that


This card (Target) could not be used to load the BB cards , correct


I picked mine up in Florida last year when they were still scarce and had no issues.

Never use it since I got the Serve card though.


I should have read the comments before posting. =)


The cards at my Target have a coupon on them for a $3 load discount. You can load $500 for free!


FM: this is a side question…I have a southwest card that just turned to 2nd year (annual fee). I am planning to close the account. Will I lose my mileage that I have earned? I assume not because miles transferred to southwest, but I like your confirmation.



What is the point of this card for point hacking? I have a Chase Freedom and Discover Card and I have yet to see Target or other mass merchandise retailers in the 5% category. Remember that Target is NOT considered a department store and that category often gets the 5% bonus.

With a $3 load fee and a $500 load max (0.6%) you are offsetting any credit rewards (1% to 1.5%). I just don’t see the reason for getting this unless there’s a 5% bonus.

And to answer an earlier question, you are NOT going to get 5% Target Card discount on gift cards and prepaid cards such as this one. It’s in the T&Cs.


It certainly seems like Cartera credit card company.

@greek2me: It’s best to forget about the failed verification and start again. The failed one never seems to go through, though my next try was was extremely quick.

Frequent Miler

kyunbit: just the $3 fee
Talon: you would have to make another trip
greek2me: Carterra credit card company?


could be worse FM you could be in NC like me where they don’t sell any!! will have to pick one up when I am out of state next

Michael Belisle

just got mine

Joe B

Which card gives 5x @ Target?


I’m in Amex for Target ID verify hell with others.
Bought card for SO and I end Aug. Got the ID verify issue letter. 4 weeks ago called and gave them all the info they wanted once again. Online acct still shows ID verification pending. Ugh. Who’s running this thing for Amex- an online shopping mall company?


If anyone tries to load with a Target Red credit card and you get the 5% discount, please report. Thanks!


I just got one and it came with an attached coupon that waived the $3 initial loading fee. Sweet!
@FM: You said each person can own two cards. Does that mean you have to make another trip to Target to get one or you can add one to your account?


Can you buy these with target gift cards?

Frequent Miler

Will: Yes, I believe it is $500, but I don’t remember for sure


Was the initial load amount on the temporary card $500?


Who do I need to petition to get NC to get these? As if we dont have enough plates spinning already.