Success: Target RedCard Debit Loads Working Again

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We’ve been watching the changes with the Prepaid RedCard by American Express and Target, and one of the biggest changes came in early May when it was announced that customers would no longer be able to load the RedCard using a credit card.Screen Shot 2015-06-12 at 4.14.40 PM

We found the ‘work around’ by purchasing $500 Simon Mall Visa Debit Cards with a $3.95 fee that load on to the RedCard by using cashiers at Customer Service and cashiers at Target.Screen Shot 2015-06-13 at 1.23.51 PM

Yesterday afternoon, debit loading at Target came to an abrupt halt … on a day that I had spend $10,079 to purchase $10,000 worth of Simon Mall Visa Debit cards.  I tried two different cashiers, and they both said it was a “server error” and that they had never seen it before.

Within an hour, I received an email from the Target Prepaid RedCard saying:

We wanted to let you know that you will no longer be able to load your Target Prepaid REDCard® by American Express at Target stores with a Target GiftCard or a non-Target branded credit card. You can continue to load your card with cash or debit at Target stores.

After all of this conflicting information, I quickly scanned the Target Prepaid REDcard thread at, and was relieved when I found that the server issue it seemed to be happening all over, and seemingly short lived.

I went to a Target this morning and was able to load my RedCards with my Simon Mall Visa Debit Cards – business as usual!Screen Shot 2015-06-13 at 1.03.38 PM

Bottom Line:

Before making my $10,000 buy at my Simon Mall yesterday morning, I scanned Flyertalk and Reddit Churning to make sure that everything was normal. It was, until a few hours later that I found that I couldn’t load onto my RedCard. The game changes. Sometimes quickly. Thankfully, this game changer was returned to normal rather quickly. But where there are rewards with gaining points-and-miles, keep in mind that there are risks and game-changers. Happy spending AND spend carefully!

Editorial Note: Opinions, analyses, reviews or suggestions expressed on this site are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed.

About Points, Miles & Martinis

Here at Points, Miles and Martinis, we love all things travel. We focus on topics relating to travel including destinations, airline, hotel, car rental and credit card reward programs. Our goal is to help people travel better. - See more at our About Us page.

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  1. Nice pixs – reminds me of the in-your-face ones that went on line prior to the shut down of the mint deal.

  2. When I couldn’t load my Redbird (about noon Friday eastern time), I called Redbird and asked about the strange message that the CS rep showed me. They said it was a system problem and it would be resolved within a few hours. No need to panic.

  3. Not sure why people still use the Redcard. I’d much rather deal with a Walmart kiosk than an actual cashier.

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