REDcard changes everything

As of May 6, 2015, Target no longer accepts credit cards for in-store REDbird reloads. For more information, please see “REDbird Post Memo Answers“, and “REDbird grounded. Now what?

My wife’s Target Prepaid REDcard finally arrived in the mail today.  I quickly activated the card online then sped out to my closest Target store to test it out.  The results were spectacular!

First, a little background…

REDcard is a new product that is so similar to Bluebird that some are calling it Redbird.  For details about the card please see: The Target Prepaid REDcard.

In my first encounter with REDcard, a store manager told me that it could be reloaded with debit cards, but not with credit cards (see “Amex introduces new Bluebird-like Target REDcard!”).  Then, when I discovered that the temporary card was reloadable after registering it, I found out that it was easy to reload with gift cards, but I botched the credit card experiment (see “Confirmed: REDcard likes Vanilla and more”).

It was a long shot, but there was still a chance that the manager was wrong about credit cards…

REDcard changes everything

Today, I hurried over to the Target customer service desk to see what this little card can do.  At first, I asked to reload $2500.  After all, that’s what the website says you can do (when you log into your permanent account):

REDcard_addcashatregister

Comically, the register told the clerk that the amount was too small.  Obviously they need to work on their error messages.  We then tried $1,500 with the same result.  Finally, the register happily accepted $1000 as a load amount that wasn’t too small.

I then swiped my credit card and the clerk asked to see the last four digits on the card.  Done.  Sale complete!  As advertised, there was no fee to load the card.

Before leaving the store, I loaded the card twice more and each time paid with a credit card.  With hardly any effort at all, I was able to load the card up to the $2,500 daily load limit with a credit card.  Since the card has a $5000 monthly load limit, I should be able to max it out with just one more trip to Target this month.

REDcard_cc_reload

While at Target I also bought a few things and paid with the REDcard. That gave me an automatic 5% discount.  Nice bonus!

At home, I logged into my credit card account to make sure that the charges appear to be regular purchases (they do).  And, then I tried out the REDcard bill pay feature which seems to have worked flawlessly.

REDcard_paybills_Amex

Questions answered

Until now, there were several questions still unanswered regarding REDcard.  Here’s what we now know…

Q: Can you reload REDcard with a credit card?

YES

Q: Are you sure it wasn’t a fluke?

It is possible that Target has plans to change the register to not allow credit cards, but I don’t think that’s the case.  During my earlier botched credit card experiment, the cashier was surprised that the credit card didn’t work (it turned out that there was a fraud alert on my card).  She said that she remembered from training that loading with a credit card was one of the key benefits of the card.  She even mentioned that people should be able to earn miles with their cards!

Q: What are the card’s load limits?

When reloading the card at Target, the following limits are in place:

  • $1000 maximum reload per transaction
  • $2500 maximum reloads per day
  • $5000 maximum reloads per month

Q: Will these charges count as cash advances?

While we don’t yet have absolute proof of this, I’m confident in saying “no”.  The charges I’ve done so far fully appear to be purchases. And, previous experience with the similar Amex for Target card has shown that credit cards are safe to use for register reloads at Target.

Q: Can you reload REDcard at a Target store that doesn’t sell REDcard?

YES.  The store I went to today doesn’t yet sell REDcard.  Plus, the website explicitly says: “You can add cash to your Target Prepaid REDcard® Account for free at all Target locations in the US.”  Note that when they say “load cash” they’re really referring to loading the card at the register. It doesn’t matter to Amex how you pay for that load.

Q: Can someone else buy a REDcard for you?

I’ll give this one a tentative “yes”.  When you buy a Prepaid REDcard at Target, you have to give them your drivers license info, your SSN, birthdate, and more.  Then, you have to register the card online in order to get a permanent card.  In the process of registering online, you do need a bit of info about the original buyer (birthdate, for example), to get past the first screen, but then you can change the details on the following screens.  I did this for my wife.  I bought the card at Target and used my own driver’s license, SSN, etc.  But, when I got home, I registered the card to my wife.  I can’t promise this will work for everyone, but it worked for me.

Why does this matter?  Not many stores yet sell this new card and you can’t get one online.  You can find participating stores here.  If you have a relative or good friend who lives near a participating Target, you might be able to get them to buy the card for you.  Then, you should be able to register it in your own name online.

Q: Can you reload Serve at Target?

Since Serve and REDcard are on the same technology platform, and since you can reload Serve at Walmart (like Bluebird), it seems reasonable to assume that it would work at Target as well.  I tried a Serve card, but it didn’t work.  So, the answer for now is no.  It won’t surprise me, though, if that changes in the future.

Q: Can REDcard be enrolled in Amex Sync promos like Serve?

No.  I tried and the system said “Unfortunately, the Card you entered is not eligible.”

Which is best Bluebird, Serve, or REDcard?

Each person can only have one: Bluebird, Serve, or Prepaid REDcard so this is an important question. The answer depends on a lot of factors.  I’ll address this in full in a future post.  For now, suffice to say that if you’re uncomfortable buying and liquidating Visa or MasterCard gift cards, then REDbird is way better.

Keep in mind, if you want to switch from one to another, you can close your previous account online.  Please see: How to cancel Bluebird online.

It doesn’t get any easier than this

For those with a Target store nearby, its hard to imagine an easier way to increase credit card spend.  Simply go to Target, load up your REDcard, and pay with your credit card.  Then, use the card to buy things at Target (for 5% off), to withdraw cash at AllPoint Network ATMs (for free), and to pay bills online (including mortgage, rent, credit cards, etc.).  You can even use the bill pay function to pay individuals (Amex will mail a check).

To a large extent, this changes the game for credit card signups.  People with the REDcard no longer have to worry (much) about whether they can meet the minimum spend requirements to get those huge signup bonuses.  Interested in an offer that requires $5K spend?  No problem.  Two trips to Target and you’re done.

And, don’t forget about big spend bonuses.  Want to earn hotel or airline elite status?  How about the Southwest Companion Pass?  With the right credit cards, it’s suddenly easy.

5X everywhere?

One more thing…

Suppose you have a card that earns a nice bonus at grocery stores.  It so happens that some Target stores are coded as grocery stores. You can lookup your local store here: visa.com/supplierlocator.

It would be pretty cool to get 5 percent cash back when loading REDbird right?  See “Playing 5X everywhere Whack a Mole.”  Keep in mind a couple of things:

  • Various registers in one store may code differently.  Some may code as grocery while others may code as discount store.
  • American Express codes are different.  Even if your Target is coded by Visa as a grocery store, it probably isn’t a grocery store in the eyes of American Express.

More questions?

Many questions have already been answered in previous posts.  Please first read these posts before asking questions in the comments section below:

And, of course, watch this blog for further developments!

Read more about REDbird:



Also:


Last updated on March 31st, 2019

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

More articles by Greg The Frequent Miler »

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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hoglard1
Guest
hoglard1

The Serve with Isis (now Softcard) allows 1500/mo by verified bank debit card and 1500/mo by verified credit card, in addition to the 5000/mo by in-store loads at Walmart. How much, if any, will REDcard allow by these methods?

trackback

[…] Opposite to popular belief, it looks like at least for now, the card can be loaded with CC up to $1k/transaction, $2,500/day. http://frequentmiler.boardingarea.co…es-everything/ […]

ABC
Guest
ABC

Schwing, schwing, schwing!

tom madison
Guest
tom madison

worth closing serve to do this instead?

tom madison
Guest
tom madison

Alight ill do the 1k spend on serve than close and switch to this…Thanks!

D Scott
Guest
D Scott

How do you pay your Mortgage and other bills that require EFT or check with the RedCard? Do they hit you with a surcharge? Just curious.
Thanks

Greg N
Guest
Greg N

@FM – did Amex sort out the issue with you closing your other card to switch? I’m at two months after closing my Bluebird and they still can’t figure out why it isn’t permanently closed so I can switch to Serve, let alone if I want to switch to Redbird!

tom madison
Guest
tom madison

arg nevermind there are no stores in CA participating at this time…as well as many other states 🙁

Nun
Guest
Nun

I see that you can save on fees for $5000 of loading, but Serve still allows more per month since you can load online with debit and credit.

Eric
Guest
Eric

Actually Serve only has a 1 leg up on Redbird which is online credit load. Both Serve and Redbird allow online debit load.

However if you have Softcard Serve then you do have an additional $500 for a total of $1.5K for both online credit and debit load. But the recent findings on online credit load with Serve may be slowly coming to an end since some CCs are not charging CA fees.

Mike
Guest
Mike

Well Isis does run some promotions with Serve, that you don’t see with BB and presumably will not see with RB, such as the 50 $1 credits per month on Serve tap purchases.

Eric
Guest
Eric

Sorry meant to say that

But the recent findings on online credit load with Serve may be slowly coming to an end since some CCs are NOW charging CA fees.

Tom
Guest
Tom

Do I have to have my Bluebird closed before I buy the temp card, or just before registering? And to confirm, I cannot apply for Red unless I close Blue?

Eric
Guest
Eric

Your questions are answered in the FAQ

pcg
Guest
pcg

What a time to be an American! (Living in Europe… *sadtrombone*)

Aaron
Guest
Aaron

When you closed Bluebird / opened REDcard can you confirm that your new 5k RedCARD limit was completely available? That is to say unaffected by Bluebird loads to the card previously associated with your SSN earlier in the month?

Mike B
Guest
Mike B

If loadable with AGC this is a true game changer. Did the cashier verify your name on the Redbird card? I’m not willing to give up my Serve due to Softcard but I’d swith my wifes bluebird over if Target doesnt care whose card I’m loading.

Paul
Guest
Paul

Lots of over the top hyperbole going on here. Changes everything? Huh? I don’t see it that way. Loading with CC isn’t going to get you 5%, so you’re back to trying to get mostly-brain-dead Target cashiers to load vgc. 99% don’t know how to do it and the immediate response is to call the “manager” (who’s almost as clueless, but 110% sure!). And then the manager wants to see the cards and it’s all over.

WM slugs are at least used to seeing vgc and if you have a kiosk, can load without any human “help”.

But yes, if you aren’t playing 5% games, then this is a bit easier (in theory). But if you aren’t playing 5%, you shouldn’t be in the game at all…

Stannis
Guest
Stannis

Only if you’re a heavy hitter. This is a game changer for meeting bonus spend, whether for new card signup bonuses or for annual spending bonuses. Simpler even than VRs: just load, pay, rinse, repeat. Only thing easier is Serve online but that’s capped at $1000/1500.

ABC
Guest
ABC

@Paul, “But if you aren’t playing 5%, you shouldn’t be in the game at all…”
In that case I’ve been playing this all wrong all year. 5% is only a minor portion of most MSers portfolio. If not, do tell how you get 5% on 7+ figures.

Ramsey unchained
Guest
Ramsey unchained

PAUL…calling the Target cashiers brain dead and the Walmart cashiers slugs only shows that YOU are the Biggest LOSER.

Andrew
Guest
Andrew

Someone mentioned that this wasn’t in CA so it isn’t an option for me. Despite that Im not sure i would close my softcard serve for this. I have a feeling they didn’t intend you to use your CC and I wouldn’t be surprised if this was shut down pretty quickly.

Mike
Guest
Mike

I think credit card loads to Serve are nearing their end. I loaded $300 to Serve using my US Bank Club Carlson visa on October 9, posted on October 10 as a CASH ADVANCE (along with $12 CA fee and no reward points)! A serve load with this same visa on October 3 posted as a purchase, so something changed between the 3rd and the 9th. The MCC codes are different as well- the old MCC was 7278, the October 9 was 6051.

If you are currently loading Serve or BB with gift cards at Wally world, it seems that the Redbird is better only if the credit card you use to load it at Target gives you more than the cc you use to buy the gift cards minus the gift card fees. For example, if you are using the old Blue Cash to buy your gift cards at grocery stores, and paying $5.95 fee per $500 gift card, you are netting 3.87%. So the credit card you use at Target would have to reward you better than 3.87% to beat keeping Serve or BB and loading with gift cards. I don’t know how to get 3.87% as credit card rewards at Target except possibly for Targets that code as grocery stores when using a cc that gives 5% for grocery stores. I assume that the Target cc that gives 5% for Target purchases does not give 5% for Redbird loads. Anyone know? Any other way to get more than 3.87% on credit card Target loads?

Mike
Guest
Mike

One possibility to beat 3.87% would be Amex Gift cards purchased through a shopping portal, if the portals get back to 2% or more, as they were for most of the year, but not since the return from their one month hiatus 2 weeks ago. As a side note, I am predicting AGC portals at 2% or better next week (Columbus Day holiday bonus!)

Pegasus
Guest
Pegasus

Only 15 out of 50 states have the Redcard. Not in some of the big states, CA, TX, FL, NY etc…..

trackback

[…] REDcard changes everything […]

Ryan
Guest
Ryan

I was curious whether loading with an amex credit card would be counted as purchase. For serve, you can only load with cards other than amex.

Mike B
Guest
Mike B

Not true – I load Serve from my Old Amex Blue all the time – just don’t get any rewards from it. I’m experimenting to see if Serve counts toward the $6500 threshold since I haven’t been able to find this info anywhere.

Walt
Guest
Walt

Do you know if you can reload in a non-participating state? From my impression, you can’t obtain the card from multiple states, but I don’t see any wording on if you can reload on the states not on the list. I can get a card from OH, as I have a valid address there and visit frequently, but am wondering if I could reload in CA for example as I spend time in both. thanks!

Paul
Guest
Paul

The T&Cs specifically say you can load at every Target

Paul
Guest
Paul

@ABC – You must be doing it all wrong 🙂 You can up your game.

Chessmaster
Guest
Chessmaster

Easy $500 per month with the WF cashback between me and the wife

M
Guest
M

“Plus, Serve has the extra benefit of online credit loads.”

You need to re-visit the Serve thread on FT, things changed in the last few days, some people did get hit with cash advance fee. It appears that the end is near.

oldporkchops
Guest
oldporkchops

Can I own an American Express for Target and a RedCard at the same time?

Nick
Guest
Nick

FM: Does the redbird work for Amex/twitter promos?

steve
Guest
steve

1. Is Redbird eligible for Small Business Saturday?.
2. Can you make subaccounts with Redbird, & how many?

Eric
Guest
Eric

@FM

I was wondering if you were interested in an experiment to see if you can convert one of your AFT cards to the Redbird card. I am sure a lot of people are curious about this too and if Amex will allow that. Ideally I would love to keep both Serve and Redbird card.

abby
Guest
abby

@eric or… you could try it yourself. what, things only work if they’re spoon fed to you? geesh

Eric
Guest
Eric

@Abby

Spoon fed? Listen missy…you have no idea what you are talking about. I don’t live in a state that has the Redbird card available so I CAN’T test it out or else I would. I am active on FT so I know what the hell I am talking about and certainly am well versed in many techniques. Next time just ignore my post instead of accusing people of being spoon fed.

Eric
Guest
Eric

Also FM can choose not to do this. Bloggers are always interested in trying out new things so I wouldn’t be surprised if FM has already thought about it.

Danny
Guest
Danny

How is this business model sustainable ? Someone has to make money to keep it going ?

Tony
Guest
Tony

With all this talk, no one has talked about Citi cards and Redcard, I would like to know if using a Citi CC does it post as Cash Advacned?

Michael
Guest
Michael

it’s not moneypass. I believe it’s the allpoint atm network

bob
Guest
bob

How do you know if your target will post as a grocery store from the visa supplier locator? When I look up your store in ann arbor it shows as discount/wholesaler. When I look at my local target it also shows as discount/wholesaler. is there a secret to finding registers that code as grocery store other than trying it in person yourself?

Kira
Guest
Kira

Will I have a hard pull credit inquiry if I get the red card?

bob
Guest
bob

I found a target nearby with grocery coding, but it says level III data, should I avoid playing here? would amex change the coding of my purchase?

bob
Guest
bob

one more question, do the stores that code as HEALTH & MEDICAL SERVICES / SUPPLIES count as drug store charges?

Chris F.
Guest
Chris F.

My wife’ll be trying for this with an ITIN as soon as we can get across the border to a state that sells it… I don’t expect it to work, but it would be sweet.

smay
Guest
smay

Any word on the roll out timetable in other states?

glen
Guest
glen

Might be different for each state. Bought temp card this morning in Maryland. $0 purchase fee, was able to load $500 with credit card when purchasing card. Tried to load another $500 with different credit card, was rejected at register – not 100% sure of the reason (but didn’t want to try again and hold up the line).

From “Temporary Card Agreement” in the package: “Maximum load of $500 to the Temporary Card.” “Once loaded, the Temporary Card is not reloadable”

Will wait for the permanent card and see what happens!

smay
Guest
smay

Temp cards are $500 max. You have to wait for perm card to load full amounts.

AY
Guest
AY

How did you load your wife’s redcard at the target? Didn’t they verify the name on the card? They didn’t ask for your DL to match the name on the card?

Patrick
Guest
Patrick

You aren’t kidding when you say they aren’t available in many places. Looks like it’s time for a road trip.

Racerboy80
Guest
Racerboy80

I just went and purchased the REDcard with the intent of registering it in my wife’s name when I got home.

I loaded the card with $500 from a credit card and utilized all my information to purchase it (I have a Serve card in my name). At the end of the transaction the cashier received an error stating that the transaction couldn’t be completed and said to call the number on the card. Thought maybe it was because I loaded the $500. I checked the credit card and there is a temporary authorization for the $500.

I called and was advised that there is a technical issue with the Target stores not activating the temporary card properly and they would call me in the next 24-48 hours and they would let me know when the problem was remedied.

The rep stated I would then still have to register for the permanent card after they fix it. So, now I wait…

trackback

[…] of MH370. (HT: Alan H.) Marriott adopting new baseline cancellation policy starting January 1 Amex-Target REDcard can be funded directly with a credit card! Different members get different United shopping portal bonuses Virgin America Chairman (and former […]

Mike
Guest
Mike

@FM, two questions if I need someone else to buy one for me:
1- Can that person later get a card for themselves given that they have to provide all personal info at Target?
2- Is there a minimum amount to buy the card in store, say, $20?

choi
Guest
choi

does RedBB have the same bill pay functions as BB and Serve ?

josefismael
Guest
josefismael

Just convinced the GF to get a Serve account, but may have to point her in this direction instead.

However – With everyone predicting the end of fee-free online CC Serve loads, what makes us think that won’t happen with “Redbird”?

jack
Guest
jack

I wouldn’t bother closing bb or serve since this cc function of the red card will be gone faster than you can say “blogger fest”. This will be the top story of every “blogger” for the next week. I guarantee you, within one month, cc will be gone. Thanks ff.

Geoff
Guest
Geoff

Agree with previous post. With bloggers droning on about Redcard and MSers murdering cc loads, this method will die quickly. It’s just too easy for us and too expensive for Target and card companies. However, Target is easier than Wally World. For that reason alone it might be worth the swap.

Donny
Guest
Donny

Not exactly sure why, but I didn’t get any activation fee charged when I picked one up today. I loaded $500 with my Citi AA card. I only paid the $500 and Citi classified the purchase as a Grocery Store. So far so good!

Danica
Guest
Danica

I bought a card today. The purchase fee for the temp card is listed as $5. This is in MA.
Also I would like to know which Visa card has %5 cash back for grocery stores. All the target stores in MA are coded as Grocery store according to search by your link.

Mike
Guest
Mike

I’m curious about the 5% cards for grocery as well. I haven’t tried it, but I’m pretty sure that Amex does not recognize Targets as groceries, including the ones coded that way by visa, so if true that eliminates Amex cards. There is a Wells Fargo card that gives 5% on groceries (and gas and drug stores), but only for 6 months. Of course, if you get that card now it will probably outlast the credit card loading feature of the RB, as I agree with other commentators that cc loading is very unlikely to last more than a couple months. Maybe Diners Club with the $300 AF, which gives 3X for grocery stores with a couple of interesting transfer partners, so depending on how you value the transfer partner points you could get close to 5%.
There is also the Target credit card that gives 5% for Target purchases. FM didn’t say what cc he used. Could it be the Target card at 5%?

T
Guest
T

Has anyone attempted what Mike has described (i.e., using the Target credit card to get 5x on the reload of the Target prepaid card)? Thanks.

trackback

[…] you haven’t read Frequent Miler’s post on the new Target REDcard, check it out, it’s a game changer…unfortunately, it’s only available in a very limited […]

John McCann
Guest

Can I use a Chase Ink Plus card to load RedCARD without getting hit with a cash advance fee? I’d love to meet the 5k spend requirement this way (just got the card a week ago), but not at the expense of a huge cash advance fee. 😐

Ben
Guest
Ben

You’re better off with buying gift cards then load to Serve or Bluebird account. You will pay gift cards fees but earn a lot of points then funding direct to Redcard

John
Guest
John

Is that based on the theory that gift cards are certain not to trigger a cash advance fee? I recently started 3 Serve accounts which I’m loading (all 3) with my Arrival card. So far, it doesn’t appear those charges are going to trigger a cash advance fee based on the way Barclay is coding Serve. That being said, Chase (Ink Plus) may code differently, so I’ve avoided using the Ink card to load Serve directly. What’s the max gift card value you can purchase? $500? $1000?

James
Guest
James

Do you think this would be the easy way to unload Amex GCs?

Mike
Guest
Mike

I have a new question. I just bought the temp card in MD. I wanted to register it to my father when I return home. He had a Bluebird account previously that was shut down by them. When I log onto his account to try and close it, it says this account has been suspended. Does this mean it is closed? Would I be able to register the Redcard to him since it is a new product? Thanks.

Raghu Narayanan
Guest
Raghu Narayanan

Hi FM
This card is still not available in CA. Any hints on when this will be rolled out to CA. I live in San jose. Also bill pay feature for Amex Red Card. what is the maximum amount per check i.e. for BlueBird I recall it is around 2K. Is there any restriction like that for Amex red Card. (CA rents/mortgages are high )

Karen
Guest
Karen

Do you think TD Cash Reward card will give 5% cash back if I use it to load Redcard? It is a visa card, also it is 5% for grocery in the first 6 months.

Livvy
Guest
Livvy

I have tested my tdbank credit card at my local target, and it did not give 5% back. I suggest you test your tdbank card, and be sure to make a large enough purchase so that it’s easy to compute the cashback (1% v 5%).

Jesse
Guest
Jesse

I have the previous RedCard Debit Card (handeled by TDBank). What do you think are the chances of converting from that to the Amex card? If I remember right, With Serve, you can use your credit card as a backup funding source… do you think this could work with the Amex Redcard?

Paul
Guest
Paul

Target already had a huge data breach and now they want your drivers license info, SSN, birth date, etc. No thanks.

trackback

[…] you to The Frequent Miler, we now know that you can reload your REDcard with a credit card at Target […]

glen
Guest
glen

Temporary Card –
Sunday morning: Loaded $500 on it when buying it.
Monday afternoon: Loaded $1000 on it with Cap1 credit card, at a store that does not sell the REDCard. Transaction took about 40 seconds.
Will wait for the permanent card and see what happens!

flytoparis
Guest
flytoparis

I am wondering what is the difference between the temporary card and permanent card. I loaded only $5 when I purchased the card. I don’t know if it is ok to continue to load on this temperate card. Anyone Knows? Thanks!

Mike
Guest
Mike

Yes, I had linked my checking account to his Bluebird account to deposit $2,000 to pay bills through it, and BlueBird went berserk, shut his account, and wouldn’t reopen it. I just stopped using my Dad’s account for easy points back when CVS was in the game. Mike

trackback

[…] reload was the right Vanilla reload.  No matter what happens, I’m studying everything FrequentMiler has to say on […]

Andy
Guest
Andy

Can you reload the Redbird with Target gift card? I ask because right now Chase Freedom has a 5% category on Amazon. What about buying Target gift card through Amazon and then using them at Target to reload the Redbird.

trackback

[…] Where Delta differs from all other airlines is that they offer a path to top tier elite status that does not require flying.  Via certain Delta branded American Express credit cards, it’s possible to spend your way to high level elite status.  This is especially interesting now that a new product nicknamed Redbird has made it easier than ever to increase credit card spend for free (see “REDcard changes everything”). […]

Dave
Guest
Dave

Can you have a Red Card and keep your AmEx for Target card?

JC
Guest
JC

To be clear, the bill pay feature is totally free? I can send money to an individual, my plumber, or my mortgage company to pay a bill and incur no charges? I searched in the Redcard FAQ, among other places, but haven’t been able to get an explicit confirmation.

trackback

[…] REDbird (AKA the Target Prepaid REDcard) is in hot demand, but it is currently available only in select areas.  Why should you care about REDbird?  If you can get over the technical hurdles involved in obtaining a card and registering it, you’ll find it to be the single easiest (and fee-free) option for increasing credit card spend.  For details, please see: REDcard changes everything. […]

trackback

[…] few days after I created that chart, the Frequent Miler reported that he was successfully able to load a REDcard at Target with his credit card. Currently Bluebird […]

trackback

[…] 5% off all Target purchases, it allows free credit card reloads at Target and free bill pay (see “REDcard changes everything”).  So, yes, it is awesome, but only if you manage to get a working permanent […]

trackback

[…] REDbird, the new Target Prepaid REDcard, is a terrific new alternative to Bluebird and Serve.  Like Bluebird and Serve, REDbird is a prepaid reloadable card and is a reasonable fee-free checking account alternative.  In addition to no-fees, it offers 5% off all Target purchases and fee free shipping from Target.com.  Best of all, it allows free credit card reloads at Target and free bill pay (see “REDcard changes everything”). […]

judy nagy
Guest
judy nagy

I still don’t understand what you do with all that money on a debit card. The only things that I can’t charge on my credit cards are my mortgage payment and office rent. So what can I do with this debit card full of cash that I get through a credit card?

Eric S.
Guest
Eric S.

Greg,

Do you know if it is possible to load @ Target with one of the sub-account cards or will that only work with the Primary card?

trackback

[…] REDbird is a prepaid card very similar to Bluebird and Serve. As such, it has capabilities that make it very attractive to those who like to earn credit card rewards.  To catch up on the basics, please see: REDcard changes everything. […]

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[…] also attended a Frequent Miler session which encouraged me to want try the new Target Prepaid REDcard, a way to manufacture up to $60,000 in spend a year. It’s in limited markets only right now, […]

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[…] Use to reload REDbird (see REDcard changes everything) […]

Mitesh Vakharia
Guest
Mitesh Vakharia

Can I use Amex gift cards to load prepaid RedCard?

Christine B
Guest
Christine B

Any idea how long it takes for a bill-pay check to reach it’s intended recipient?

Mother Fussbudget
Guest

Very new at this – please let me know if I have this right:
You’re saying I can do the following:
1) @Staples, I buy $2000 of Visa gift cards on my Chase biz card – 5x*2000=10,000 Chase pts.
2) @Target, I put $2000 on Redcard from my HHonors card – 5x*2000=10,000 HHonors pts.
3) @Home, I bill-pay my $2,000 rent from RedCard.
4) @Home, I pay HHonors with Visa Gift Cards.
5) @Home, I pay the Chase biz card $2,000 (my rent)
Is that right (assuming I can pay the HHonors with a Visa)?

Mother Fussbudget
Guest

ahhh… I see the problem. There’s no master lookup list for Amex MCC codes. With VISA, I can lookup my local Target & Walmart – they show up as ‘Grocery’, but NO LOOKUP tool to see how Amex will show up – probably ‘discount / merchandise’. Will keep pondering…

trackback

[…] REDcard Changes Everything […]

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[…] no question that the Target Prepaid REDcard (AKA REDbird) is an exciting new product.  At this time, though, it is only available in select locations across the United States (see […]

Tom
Guest
Tom

Loaded $1000.00 on REDbird and shows up on my Ink Business Plus as Cash Advanced. I called and spoke with rep and yes I will be charged with fee. Any way around this?
Wanted to pay taxes later in year without using credit card and also spend $5000 for 70,000 pts.

Carl
Guest
Carl

I have loaded three different Redbirds with two different chase ink plus and all have been charge and not cash advance.

Racerboy80
Guest
Racerboy80

Has the charge actually posted…or are you just seeing that the Cash Advance Limit has decreased?

It has been documented that the cash advance limit will decrease on certain transactions with different cards, but still post as a purchase.

Brett
Guest
Brett

I apologize if you mentioned this in one of your other posts, but I switch over from Bluebird to Redbird, is there an another means to transfer Visa and MC gift cards back to my account? Can I load these gift cards to Redbird? Or do I need to use no-fee ATMs?

josefismael
Guest
josefismael

If you haven’t already closed it out, just load them up to your bb (or serve) and then unload to a bank account. That’s what I did – only took a day, then I closed my serve and 10 minutes later activated my redbird.

Brett
Guest
Brett

Thanks, but I was wondering about what to do after I close out my Bluebird account. Is there an avenue for getting money back from Visa and MC gift cards!

Sorry for not making that clearer!

tom
Guest
tom

You guys are exactly correct! Today showed up on account as Groceries!!
Thanks for all the help! That’s why I come to this blog!!

Tony
Guest
Tony

So since I can’t get a Redbird here in PHX, but can in Tuscon, I can buy the temp card in Tuscon but load it in PHX?

Racerboy80
Guest
Racerboy80

That is correct. You can load it at any Target store.

mother fussbudget
Guest
mother fussbudget

I did exactly that – picked one up at an out-of-state family wedding, and have been loading it at my local Target ever since.

dave
Guest
dave

@Tom it would really help if you told us which card got 2X

dave
Guest
dave

@Brett said “Is there an avenue for getting money back from Visa and MC gift card!

Brett, not to be rude, but at this point you are in way over your head and should not do another thing related to gift cards or Redbird etc. until you carefully read at least the last year of FrequentMiler’s posts.

Carl
Guest
Carl

Data point. Got permanent card. Loaded 2500 over three different credit cards. A second swipe with one credit card filled with fraud alert. The customer service representative had heard of them and was friendly. She asked where she could get one because she wanted to get one too 🙂

I got mine in Minneapolis. We were down visiting in Des Moines and stopped at a random target with no problems.

tom
Guest
tom

Used Ink business Plus but I used it for meeting $5000 spending for 70,000 pts. I don’t know if I received 2x bonus points.

Prabhat
Guest
Prabhat

I’ve been using my American Express Blue Everyday to reload redbird and get 1% cash back/use the 0% APR offer. Do you know if Amex would red flag this? What has been the experience with Discover cards. If you can load using 0% APR cards, that’s free credit for more than a year. Please advise.

Rob
Guest
Rob

I just picked up a REDcard. I sampled swiped with AMEX to see how the transaction will be handled just to be safe. Hopefully the cashiers know how to fill in my town considering they do not carry the card.

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[…] I even get into this post I want to direct you to the Frequent Miler blog, where Greg has posted extensively over the past several weeks about the new American Express […]

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[…] recently got the new REDbird, and I knew from FrequentMiler that it’s not eligible for Amex Offers. Like a good blogger, I decided to try and see for […]

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[…] This credit card feature goes away at the end of the year, so it would be necessary to complete all $25K spend this year.  I’m hoping that a reader has tried this and can simply tell me that it either will or won’t work.  Otherwise, I’m willing to give it a try just to see what happens.  It would be awesome to get 10K miles closer to the 30K goal simply by making a few trips to Target. […]

George
Guest
George

Great post as well as continuing analysis of REDcard.

Quick question. I searched your blog, but I could not find an explicit answer.

Do REDcard loads using an AMEX card made at a Target store earn cash back/points (as opposed to an online credit card load to Serve where conventional wisdom is that AMEX loads do not earn cash back/points)?

If not, do purchases of AMEX gift cards using an AMEX card earn cash back/points (which can then be liquidated by loading REDcard at Target)?

Thanks in advance for your expert knowledge!

Bill
Guest
Bill

Hi Greg,

I’m getting some Redbirds for family members.
Couple questions:
-How many can I get per day? There are few Targets around
-Can I load the max (500?) and unload before giving it away?

Thanks,
Bill

Sarah
Guest
Sarah

Hi

I got a question: I believe I read one of your post saying that Amex GC can be loaded to Red-card. So I tried today, it turned out I could not do that. The error message is \not proved\. I want to know is there any specify steps that I should follow when load Amex GC to Redcard?

Thanks in advance

Joe
Guest
Joe

You can unload it at the ATM. I was able to use the ATM with my temp card.

NoVA Rick
Guest
NoVA Rick

I picked up my second Red Card at Target in Annapolis, MD on Monday with no problem. When I tried for my third one on Wednesday, The computer blocked me with a message to the effect of ‘can’t load card’ or something similar. We tried two different cards off the rack with the same result. My friend was able to get his first card right after I was blocked. Anybody else have a similar experience?

Justin
Guest
Justin

Two Questions!

I just got the Citi HHonors card and the Chase Hyatt co-branded card. I am going to use Redbird to meet the minimum spend on both of them. Any problems with this? I know Citi has been known to dislike Gift card purchases and tagging them as Cash Advance. Any data points on using them for direct loads to Red Card?

Second question is can you unload these to a bank account? How do I liquidate 5k on the card? ATM withdraws would require a LOT of trips and would probably get me banned from abusing the card…Please let me know!

Carl C
Guest
Justin
Guest
Justin

Carl,

I am conflicted on how to reply to your response. On one hand you gave me links to useful content, but on the other hand you were being an ass to me. I think I will just leave it at that. You are a helpful ass. Thanks!

smay
Guest
smay

Have to wade in here a bit. You expect the information (the free information that you pay…. zero $$$ for) to be repeated in the comment section when you could have and should have looked through the blog and found it yourself? He was using a play on words with “spend” due diligence but you are calling him an ass – seriously? find the information yourself and share what you learn repeatedly with people too lazy to even read through several detailed posts that explained exactly what you are asking. Grow up.

Justin
Guest
Justin

I apologize to Carl for my rude comment. After reading your post I saw I misinterpreted his response. Sorry =(