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Loading Target Prepaid REDcard is Easy
Note: As of October 13, 2015 the Target REDcard (REDbird) can only be loaded with cash in-store at Target. This means that neither debit cards nor gift cards can be used to load REDcard any longer. For more info about the changes and where to go from here, see: REDbird Postmortem: An MS Path Forward
I shared with you a few weeks ago that I had finally decided to make the switch to Target’s REDcard. After loading up my Serve card earlier in the month, I ordered a permanent REDcard and was finally able to load it this past weekend.
Like others, I was curious to see if loading the card was as easy as I had heard. To be honest, we actually have two REDcards and my wife and I both loaded the cards at separate times, but our experiences were similar.
How It Went
My wife was the first to load her card a couple of days ago. After going to a regular register, she was directed to customer service. While normal registers should be able to load the card, apparently this store does things differently.
Once at customer service, she asked the cashier to do a total of $2,500 in loads in increments of $1,000, $1,000 and $500. One of her cards processed the two $1,000 loads just fine, while the other card (issued by Citi) had a fruad alert for the $500 load.
On the same day I visited a different store and decided to head directly to customer service since it was busy and I didn’t want to waste time waiting at a normal register only to be sent to customer service. At customer service I was using a Chase & a Citi card. Both had fraud alerts, but I was able to clear them and complete the loads all with the same cashier in separate transactions.
My wife and I both made a second trip with similar results as the first. In the end, we each loaded $5,000 over the course of two trips. The load process is as simple as swiping a credit card and signing for the transaction. It is incredibly easy and I prefer it 1000% to the Walmart experience.
If you are on the fence about switching because you are used to the Walmart experience, then I highly suggest thinking about the REDcard. Everything about the experience from the store to the cashier was superior. Perhaps I am just sick of Walmart after years of spending way too much time in their stores.
I would also highly recommend setting up fraud alert texts and emails on any cards you are going to use to load. It seems almost certain that you will eventually trigger a fraud alert. Being able to clear them quickly via text or email is a must!
You should be able to load the card at any register, however some stores only allow loads at customer service. I suggest just heading to customer service if it isn’t busy. I will try going to regular registers this week to see if other stores in my area allow loads at regular registers.
I had been hesitant to switch from Serve to REDcard because I didn’t feel that credit card loads would last. Now after seeing how easy it is, I am sort of regretting not switching sooner. While I will miss my $1,500 in online credit card loads on the Serve, being able to avoid Walmart is certainly a worthy tradeoff.
Feel free to share your REDcard loading experiences in the comments. Oh by the way, happy 1st of the month. Enjoy your newly recycled load limits!
Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.