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AmEx for Target: $400/week credit card ATM withdrawals for 1.3%+ in certain cities

AmEx for Target: $400/week credit card ATM withdrawals for 1.3%+ in certain cities

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Old Dec 7, 14, 10:52 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
Last edit by: weezl
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please be aware the Target breach cards are currently on the black market, as always be aware of activity on all accounts

Purchase in store. Each store seems to have just one lane that has them on display (unlike the AMEX GC which are at most lanes). Package is larger than other gift cards, silver and red.

Not available in all states. Search here for possible locations

Note: Unlike AMEX's restriction on BB/Serve/Redbird where one person can only hold one of those, you can have an AFT (2, actually) while holding a BB, Serve, or Redbird

Need DL to purchase.
Max 1 purchase per ss# per day--this means one person can actually have 2 AFT cards, which is why there is a $5000 total limit for 2 cards (see below).
Max initial load $500 + $3 load fee.

May reload temp card as soon as verification of identity is complete, may take 48 hours. You can use an ATM with a temp card as soon as you're able to view your temp card PIN online. If you're unable to view your PIN online, you won't be able to use an ATM until you have the permanent card, which takes about two weeks.

Many stores now limit reloading to the service desk, and no longer at cashiers. The card must be swiped at a cash terminal to reload, not scanned! Ask cashiers to try if they don't seem to recognize the card. Ask if loading at service desk is a policy, it might just be a knee-jerk response from cashiers that don't know about the card. I have been told that a few times, "You need to go to the Service Desk," it has never been true. Say please and thank you.

Limits & Fees
Codes as purchase on all cards.
Load fee $3
Max $1000 per card in 24 hour period.
Max $5000 total for both cards per 28 day rolling period.
May load any card *until* balance is $2500 for 28 day period (not *up to*)

System will allow a $1000 load on a card with a $2000 balance so long as you are under $5000 for all cards over 28 day period. See below for optimal load sequence, $15/$5k a month after 1st month and $15k in 65 days for new cards.

Unload via ATM
Max $400/card/day (resets sometime in the wee hours of the morning)
First ATM w/d per month per card is free, based on 1st of the month (not rolling)+ any ATM owner fee.
Additional ATM w/d fee $3 + ATM fee.

When asked 'from account' choose 'checking.'

Possibly helpful link:
Free and Low-Cost ATMs

Unload by purchases
No fee. No cash back.

Additional information

Optimal load pattern for least number of $3 fees after first $500 load is $3k/$2k.
New accounts can load $15k in 65 days. 4 trips in a week for new cards, 3 in a week once a month after that.

Load always means load $1000. 28 day load total in parenthesis. 'Dropped' means that load is past the 28 day mark.

Day 1: Purchase card #1, load $500
Day 3: Purchase card #2, load $500; Load card #1 ($1500)
Day 5: load card #1 ($2500); load card #2 ($1500)
Day 7: load card #2 ($2500)
Day 29: ($2000)($2500) day 1 dropped
Day 31: ($1000)($2000) day 3 dropped
Day 32: load card #1 ($2000) ; load card #2 ($3000)
Day 33: ($1000)($2000) day 5 dropped
Day 34: load card #1 ($2000); load card #2 ($3000)
Day 35: ($2000) ($2000) day 7 dropped
Day 36: load card #1 ($3000), ($2000)
Day 61: load both cards, day 32 dropped
Day 63: load both cards
Day 65: load one card.

Repeat Loads waiting 29 days between loads, if you loaded both cards 29 days ago load both now, if you loaded one card, load one now. So next load date is 61+29= Day 90


Q: Will this show up as a CA?
A: No, Target is not a financial institution.

Q: Even with xxxx cards?
A: Yes, no cards will be charged a CA.

Q: Can I load with Visa/MC/Amex Gift Cards?
A: Yes. Also the balance can be detected and drained if you ask to load more than the value on a prepaid it will just prompt you to give a second payment form. Great for draining random balances.

Q: How about Target gift cards?
A: The register prompts not to allow Target gift cards. They may not be hard coded, though.

Q: Will I get 5% off if I load with a Target Red card?
A: No. Sorry, I wish.

Q: Can I load multiple cards in one transaction?
A: Yes. Up to 3 cards can be loaded in one transaction, but each card will be charged $3.

Q: Why load multiple accounts in one transaction?
A: to avoid multiple $1003 transactions on same CC in minutes. This may trigger a fraud alert.

Q:Is there a max number of payment swipes?
A: Yes. Maximum swipes for split payments is 7, though other users have reported being able to swipe at least 10 gift cards for payment without problems.

Q: Any reason not to load multiple cards in one transaction?
A: Yes, when you have multiple small value gift cards to unload because of 7 swipe limit.

Q: The title says withdrawals are 1.3%, is that true?
A: No. Do the math. I'm not very good at math. Under 1.3% includes Costco ATM fees. It is not possible to edit a thread title, the fees are lower due to the ATM limit now being $400.

Q: What are the lowest possible fees with a fee-free ATM available?
A: For 2 cards, each loaded with $2.5K each over 2 months ($10K in total), you would pay $30 in loading fees (10 load fees of $3 each) and $63 in ATM fees (25 total withdrawals, with 1 free withdrawal per card each month, resulting in 21 ATM fees of $3 each).

Official fund loading from T&C

You may load funds to your Cards using your Funding Source until the Available Funds on any Card purchased by you equals $2,500 and on all card purchased by you equals $5,000... Not more than $1,000 may be loaded to any Card purchased by you in a 24 hour period using your Funding Source, not more than $5,000 may be loaded to all Cards purchased by you in any 28-day period using your Funding Source.

IMPORTANT MESSAGE IF YOU LOADED YOUR PREPAID CARD AT TARGET DURING THE CHRISTMAS SECURITY BREACH: It is important to have AMEX reissue your cards (just phone the number on the card and ask for a new card). Thieves have the numbers and pins and can drain your account at any time. AMEX does not appear to be using software to block suspicious activity, so they can drain it all. If you loaded your prepaid card at Target between November 27 and December 15, 2013, you are at significant risk of having your money stolen (several reported cases in April and May).
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Old Nov 2, 11, 10:50 pm
Moderator, Manufactured Spending
Join Date: Mar 2011
Location: TIJ/SAN
Programs: Delta Silver. Hilton Diamond.
Posts: 1,447
Originally Posted by Happy View Post
Why would you think Chase not charge you? You are not using a Chase card at Chase network.

You will be charged by Chase for using its ATM with a card NOT from Chase.

Your Chase bank account's ATM card will be free at Chase ATM. Every thing else would be subject to $3 fee a pop. You can test it out by using a Non Chase ATM card to try - the screen should display a message to warn you the transaction would cost you X amount of fee. Do you still want to continue? You can then abort the transaction and not being charge the fee, nor withdraw any money.

The above scenario should apply to 99% of any bank's ATMs.
Yep, finding no-fee ATM's seems like an almost impossible challenge.
ChrisFlyer66 is offline  
Old Nov 3, 11, 12:51 am
Join Date: Mar 2006
Location: Near ORD
Programs: AA LT Gold, Hyatt Diamond, HH Gold, SPG Gold, PC Plat Ambassador
Posts: 739
Originally Posted by jake66 View Post
Yep, finding no-fee ATM's seems like an almost impossible challenge.
I even found an ATM at a credit union up the street from me that was supposed to be no fee, checked it out and there was a $2 fee. The other kicker? $20 withdrawal, max. Ha!
blase is offline  
Old Nov 6, 11, 12:12 pm
Join Date: Mar 2004
Location: Central Texas
Programs: Starwood Gold , HH Gold, Hyatt Gold, Aadvantage, Rapid Rewards CP
Posts: 1,561
Blase, are they still allowing reload with credit cards?
Frenchie Flyer is offline  
Old Nov 30, 11, 10:59 am
Join Date: Jul 2010
Posts: 106
Originally Posted by Frenchie Flyer View Post
are they still allowing reload with credit cards?
In store only, up to $1k load after initial max $500 load.

A nice surprise today... there is a $10 Target gift card coupon with $50 purchase floating around (non-unique) that expires 12/3. I will only say it works to reload. Not sure if it works to buy. Register allows it... whether your cashier does is YMMV. Good luck!

PS: I double dipped and got 4 $5 LEGO gift cards with the giftcards after the 2 reloads, ha!

Last edited by vacaloca; Nov 30, 11 at 2:23 pm
vacaloca is offline  
Old Jan 5, 12, 9:01 am
Join Date: Dec 2011
Location: CVG
Programs: DL
Posts: 57
Wish the reload and atm fees weren't so high. I'm interesting in using this to meet minimum spend requirement on AMX Delta Reserve Card to pay my mortgage.
Cincycaddy is offline  
Old Nov 2, 12, 5:13 am
Join Date: Jul 2011
Posts: 142
Target prepaid

Blogger was talking about this prepaid amex, which can be loaded by cc, and withdrawn by atm.

Any experiences?
cfuss is offline  
Old Nov 2, 12, 6:49 am
Join Date: Jan 2008
Location: Brooklyn, NY
Programs: Delta Skymiles (Silver), PriorityClub (Platinum), BA, AA, CO, Hilton Honor, SPG
Posts: 344
Yep, you can get reloaded at Target. Only credit card reload and no prepaid card reload.

$3 loads at Target
$3 ATM withdrawals
1 Free ATM withdrawal per month
eddielam is offline  
Old Nov 2, 12, 9:30 am
Join Date: May 2010
Posts: 2,995
Originally Posted by agent0068 View Post
they're not available in my state. anyone know if i were to get one in a state where they are available, will i be able to reload it in a target closer to home?
Supposedly once you have the card, it can be reloaded at any Target. IIRC, I read that on the FTG
Stoughton is offline  
Old Nov 2, 12, 9:36 am
Join Date: Aug 2010
Posts: 327
Do you really need a new thread to just ask this? Could have just searched !


Now wait for blogger to spot this and write a blog to spoon feed you!
mshah is offline  
Old Nov 2, 12, 9:43 am
Join Date: Jul 2011
Posts: 142
Originally Posted by mshah View Post
Do you really need a new thread to just ask this? Could have just searched !

Bloggers found it... That is where i read it, but it was non descript. Im on here daily and i haven't seen or noticed this thread yet... Pls merge or delete and ill just rely on that other thread


Last edited by mia; Nov 6, 12 at 8:18 am Reason: Prune quotation
cfuss is offline  
Old Nov 5, 12, 7:45 pm
Join Date: Sep 2012
Posts: 4,385
Target AMEX

I'm surprised there's no discussion about this. FM wrote about it 5-6 days ago, and while it's pretty clear that it's not nearly as good as the BB/VR deal, it's still not too bad nonetheless. I made a $500 purchase with my Citi HH Visa to meet spend, and I just noticed that this Target is billed as a "grocery store". That means 6% cash for AMEX BCP and 6x for AMEX HH. Best of all, there's no limiting factor such as bean supplies. Is nobody else interested in discussing this?
DaveInLA is offline  
Old Nov 5, 12, 7:59 pm
Join Date: Jan 2006
Posts: 26
I think it will be a nice addition to the tool box. Being able to load with a credit card is valuable to help meet spend requirements, so for that alone it is helpful. Also helpful to consolidate multiple smaller visa/ mc or Amex gift cards into one usable card. Load and balance limits inhibit this card, but still a good card to add to the mix. Just got my 2nd card which is the max for this card. Just to answer the question before it is asked, Target gift cards can no longer be used to load this card.
IRISHMPK67 is offline  
Old Nov 5, 12, 8:06 pm
Join Date: Sep 2012
Posts: 4,385
Have you gotten your permanent card? FM reports it can take a few weeks from the time you signed up at the store to get the permanent card. Did yours take that long? And once that happens, are the funds from the original load on the temporary card automatically transferred to the permanent card?

The other major limitation of this card vs BB is the lack of Bill Pay. That is HUGE.
DaveInLA is offline  
Old Nov 5, 12, 8:13 pm
Join Date: Jan 2008
Location: ATL/LAX
Posts: 4,867
I think you can also load these with Amex GCs that you can get off BC, though the grocery angle is interesting. I have the free Amex Blue Cash (3%) and Flexperks (2x points = 3.3-4%). Wonder if everything at Target/Wally counts as bonus.
amolkold is offline  
Old Nov 5, 12, 8:21 pm
Join Date: Jan 2006
Posts: 26
Bought the temp last week and got my pin in the mail today which means they verified my ID. I should get the perm card any day now. Wrong to compare to bluebird. No comparison, good for other purposes though!
IRISHMPK67 is offline  

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