Off the rack Amex gift cards? you mean those $100 or $200 AMEX gift card you can buy from the store? I have used those around Dec 2013 and had no issue with them. The cashier did not even have to specify amount during each swipe and could use 10 x $100 +$3 to pay for the $1000 load...

Your math is really making me reconsider the AFT. The only other factor would be time investment. Since you can only load $1K/day, do you load all 4 of your AFT in one visit?

Yeah, I was thinking that some open this to meet min spend on the 100k Citibank card and might want to not wait, but I couldn't figure out an elegant way to say it either.

I've updated the Wiki to show the proper load limits. The language I included is cut directly from the T & C on the AMEX website. Daily limit is still $1,000 per card. Maximum balance you can have on any single card is $2,500 and maximum balance you can have on all of your cards combined is $5,000. Maximum load amount for all cards you have in any 28 day period is $5,000.

There are different limits when using direct deposit from a bank account but I'm guessing that won't be too relevant in these parts.

I never really fully understood the simultaneous loading of cards that others in this thread have done - there was an example in the previous version of the wiki but it didn't seem to match up with the limits above. If that is still applicable and I shouldn't have taken that out, then maybe someone can put that back in as appropriate.

^ Good call. The previous paragraphs about maximizing load vs fees was confusing as heck.

Yes, they can be loaded at any target store at customer service. They just can not be bought at all stores.

Not necessarily. Some stores cannot load them.

*Most* can.

I am in MSP. I purchased 2 AFT last week at a target in town that sells them. I activated both temp cards and can obtain a PIN online which I was told by customer service means I am approved.

I went to another Target (that does not sell AFT) in town this morning to load $1000 on each from an AMEX gift card. I went to Customer Service. They scanned my card and nothing came up on the screen that told them how to load. They even showed me the screen after they scanned the card.

So, I figure it is one of three things: my cards are not approved, the Target is not a Target that can do loads or they should have swiped rather than scanned my card.

Which one?

Deleted.

Are you using permanent card or still the temp card? I could be wrong, but I don't think you can load onto temp card.

They have them at the St. Louis Park target on 7.

Yes. I've synched all their reload dates.
Day 1: 4x $1000
Day 2: 4x $1000
Day 5: 2x $1000 (slight delay so I have enough time to unload first)

Registers can do 3 cards in 1 transaction. Don't try 4 in one go it will fail.
I had one store refuse to load my wife's pair of cards and a manager came over and 'made an exception'. Normally never an issue.
When not using AGC to load I also use this way to dump large numbers of lower value GC like from the OD deal last month as you can do at least 7 swipes for payment.

It was a temp card but I thought people had been able to load temp cards with gift cards.

It is because the text below makes it unclear that you can do the pattern I suggested. $2k on one card, $3k on the other = 5 load fees. $2.5k on each card is 6 load fees.