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American Express for Target

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What is the American Express for Target Card?

  • What is the American Express for Target Card (the "Card")?

    The American Express for Target Card is a prepaid, reloadable card which provides you with a more convenient way to manage your money. It's not a credit or a debit card. It's a prepaid card, which means you load funds on to it, and use it to make purchases virtually anywhere in the U.S, Puerto Rico and the U.S. Virgin Islands where American Express® Cards are accepted - even online and at ATMs in the U.S. that accept American Express® Cards. You may use the American Express for Target Card for fun, for bills, for you-making it easy to buy the things you want and need. However, the Card may not be used at casinos. You may use the Card to pay the final payment of a car rental, but you may not use it to make a car rental reservation or deposit.

    You must be at least 18 years of age and have a valid Social Security Number to purchase and register the Card. The Card is not transferable and you agree to not permit any other person to use your Card.

  • How does the American Express for Target Card work?

    The Card is easy to use. Just follow these 3 steps:

    1. Load:

      Purchase the Card at participating Target stores and load it with funds in any amount from $0.01 to $500. There is no monthly or annual fee. Funds can only be added by the Card purchaser. $3 load fee applies.

    2. Spend:

      Use your Card at millions of merchant locations in the U.S., Puerto Rico, and the U.S. Virgin Islands where American Express® Cards are accepted - including online and at a majority of ATMs in the U.S. American Express does not charge an ATM fee for the first transaction in each calendar month. American Express charges $3.00 per each ATM transaction thereafter, which is assessed against the Card balance. Please note: ATM owners/operators may charge their own fees for ATM transactions and balance inquiries.

    3. Repeat:

      Reload the Card and use it again. You may reload your Card online at americanexpress.com/target, at any participating Target store or by calling Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261). There is no charge for online reloads from a bank account. There is a $3 fee for each reload conducted at a Target store. Reloads are prohibited in stores located in Arkansas and North Carolina.

    We may change load or reload limits at any time for legal, risk management or security purposes.

  • Where do I get the American Express for Target Card?

    An American Express for Target Card can be purchased at participating Target stores. Find a participating Target store.

    You must be 18 years or older and have a valid Social Security Number to purchase the American Express for Target Card. Cards are currently not available for purchase online. When you purchase the Card, there is a minimum initial load amount of $0.01 and a maximum initial load amount of $500.

  • Who can purchase an American Express for Target Card?

    You must be 18 years of age or older and have a valid Social Security Number to purchase an American Express for Target Card.

  • How many Cards can a person purchase?

    You can purchase and manage up to two American Express for Target Cards. You can only purchase one Card per Social Security Number, per day.

  • Are there any fees associated with the American Express for Target Card?

    The fees (in US Dollars) associated with using the Card are listed below:

    ATM Fee American Express does not charge an ATM fee for the first transaction in each calendar month. American Express charges $3.00 per each ATM transaction thereafter, which is assessed against the Card balance. Please note: ATM owners/operators may charge their own fees for ATM transactions and balance inquiries.

    Load Fee $3.00 per initial load and each subsequent reload at participating Target stores. Loads online from a bank account (online or by phone), and from Direct Deposit are free of charge.

    For more information on fees, please see your Cardmember Agreement.

How do I get started?

  • I just purchased my American Express for Target Card. When can I start using it?

    You can use the available funds on your Card immediately at virtually any merchant in the U.S., Puerto Rico, and the U.S. Virgin Islands that accepts American Express? Cards. This includes mail-order, online and in-store locations.

    Please be sure to sign the back of the Card, where indicated.

    You will not be able to withdraw funds from ATMs or reload your Card with funds until your customer information has been verified, which could take up to two business days from the date of purchase. Other Card functionality may also be limited until your customer information has been verified.

  • How do I manage my Card online?

    You can manage your Card online by visiting americanexpress.com/target and clicking the "Go" button under "New User?".

    You will need your Card number, security code (this is the four-digit number found on the front of the Card), last four digits of your Social Security Number and your e-mail address to set up online access. You will also be asked to create a unique User ID and Password to manage your Card online.

    Once you've set up online access, you will be able to:

    • Check your Card balance.
    • View transaction history—the date and amount of purchase, as well as the merchant.
    • Sign up for alerts to be notified when a transaction has occurred or when the Card balance is below $20.1
    • Update profile information.
  • How do I change or update my online profile?

    To update your online profile, visit americanexpress.com/target, log in and click "View Balance & Profile." Once you are on the "View Balance & Profile" page, click on "Edit." You will be able to update your e-mail address, mailing address, phone number and other information.

  • What do I do if I forget my User ID?

    If you forget your User ID, please call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261).

  • What do I do if I forget my password?

    If you forget your password, please either visit americanexpress.com/target and click "Forgot ID or Password?" to go through an online password reset process, or call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261).

  • How do I obtain a PIN for ATM access?

    When you purchase an American Express for Target Card and your identity verification check is completed successfully, American Express will create a Personal Identification Number (PIN) and mail it to the address you provided at purchase. You may also securely retrieve your PIN online at americanexpress.com/target. Setting up online access is easy. Then login, click "View PIN" from the menu, and follow the instructions.

    Once received, you can choose to either use this PIN or call 1-888-872-9105 (International Collect 1-801-849-2261) to change it to any four-digit code. This PIN will allow you to withdraw cash from a majority of ATMs in the United States.

    If you have not received your ATM PIN within 10 business days from the date of purchase, or are unable to retrieve it online, please call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261).

  • Can I set up text messaging alerts?

    You can set up text messaging alerts by following these steps:

    • Log in at americanexpress.com/target.
    • Select "Sign up for Alerts."
    • Confirm the mobile phone number is correct.
    • If you want to add or update your mobile phone number, click on "Edit number," update your mobile phone number and save.
    • Select the alerts you would like to receive.
    • Click "Save."
    • You will need to review and accept the Alerts Terms & Conditions.Text alerts are generally supported for carriers in the 50 states and may be supported in Puerto Rico, the U.S. Virgin Islands, and other U.S. territories. When traveling outside of the 50 states, text alerts coverage may be limited.

    This will enable you to request your Card balance any time via text. Text "BAL" plus the last 4 Card number digits (e.g. "BAL XXXX") to 91315.

    In addition, you can choose to receive text messages when:

    • The Card is used to make a transaction.
    • The Card balance falls below $20.
    • A merchant declines a transaction.
    • Funds have been successfully loaded to the Card online.

    While American Express does not charge for text messages, your mobile service provider's message and data rates may apply.

  • Can I set up e-mail alerts?

    Yes, you can set up e-mail alerts by following these steps:

    • Log in at americanexpress.com/target.
    • Select "Sign up for Alerts."
    • Confirm the e-mail address is correct.
    • If you want to add or update your email address, click on "Edit e-mail," update your e-mail address, and save.
    • Select the alerts you would like to receive.
    • Click "Save."
    • You will need to review and accept the Alerts Terms & Conditions.

    You can choose to receive e-mail messages when:

    • The Card is used to make a transaction.
    • The Card balance falls below $20.
    • Funds have been successfully loaded to the Card online.
  • Can I turn off ATM access on my Card?

    Yes. To prevent use of your Card for cash transactions at ATMs, simply log in at americanexpress.com/target. Select "View Balance & Profile," and select "no" for ATM Access. Please remember to save your changes.

  • How can I view where my Card was used?

    To view where your Card was used, log in at americanexpress.com/target and select "View Transaction History." Or you may also retrieve your transaction history by calling us at 1-888-872-9105 (International Collect 1-801-849-2261).

  • How can I check the balance on my Card?

    You can check your Card balance 24 hours a day, 7 days a week by:

    • Logging in at americanexpress.com/target.
    • Calling Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261).
    • Signing up for Alerts and texting "BAL + the last 4 digits on the Card" (e.g. "BAL XXXX") to 91315.

    While American Express does not charge for text messages, your mobile service provider's message and data rates may apply.

How does the Card work?

  • Where can I use my American Express for Target Card?

    Use you Card at millions of locations in the U.S., Puerto Rico, and the U.S. Virgin Islands where American Express Cards are accepted, including online and at a majority of ATMs in the U.S. Some restrictions may apply.

  • Can I use my American Express for Target Card at hotels and car rental companies?

    Yes. However, please note that in some industries a merchant may authorize a charge in advance and your available balance will be reduced by the amount of the authorization. For example, when you rent a car, or check in to a hotel, the merchant will seek a pre-set amount, equivalent to the estimated final bill, to be reserved against your Card. This means that your available balance will be reduced by an amount that may be higher than the final bill, until after the end of your car rental period or hotel stay.

    In some circumstances, this may temporarily restrict your ability to make further charges on your Card. In other circumstances, some car rental companies may not accept the Card for charges authorized in advance, although it may be used to settle the final bill.

    To avoid these issues, we advise you to consider using another form of payment when making car rental reservations or checking into hotels, and to use your American Express for Target Card to settle the final bill. The final charge on your card will be the total amount of the bill.

  • Can I use my American Express for Target Card at gas stations and restaurants?

    If you are buying gas with your Card, you want to prepay inside, not at the pump. When you pay at the pump, gas stations, for security purposes, often temporarily charge more than the cost of your purchase. This temporary charge will be reversed in a few days and credited back to the Card. Prepaying inside will ensure that the gas station will only charge the exact amount of your purchase, not more, so you have full use of the funds on the Card.

    When using your Card to pay at a restaurant, they will check to make sure you have available funds on the Card, including the tip. If the total amount of the bill plus a 20% tip is more than the amount you have on your Card, you may be declined. To avoid this, simply tell the waiter how much you?d like to pay from your Card, and if the total bill is more than that amount, use other payment options.

  • Can I use my American Express for Target Card at ATMs?

    You can use your Card at a majority of ATMs in the U.S., once your customer information has been verified and you have received your PIN number in the mail or retrieved it online. ATM must accept American Express®Cards. American Express does not charge an ATM fee for the first transaction in each calendar month. American Express charges $3.00 per ATM transaction thereafter, which is assessed against the Card balance. Please note: ATM owners/operators may charge their own fees for ATM transactions and balance inquiries. The amount you can withdraw depends on the available funds on the Card, but cannot exceed $400 per day.

    For more information, please see the Cardmember Agreement for additional details.

  • Can I use my Card outside of the United States?

    No. Your American Express for Target Card can not be used outside of the U.S., Puerto Rico, and the U.S. Virgin Islands.

  • How do I add funds to my American Express for Target Card?

    You can add funds to your Card at any Target store, online or by calling Customer Service.

    In Target Stores

    When loading funds to your Card at participating Target Stores, a $3 fee will be charged.

    Online

    Once you've set up online access, you can load funds online at no charge using a bank account. Just log in at americanexpress.com/target, select "Load Funds" from the menu and follow the instructions. You can choose to make a "One-Time" load or schedule automatically recurring reloads to your Card on a predetermined schedule. Please note that the types of funding sources that we accept may change from time to time. For more information, see your Cardmember Agreement.

    Phone

    You may also reload funds to your Card over the phone by calling Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261) using the bank account you set up as your funding source online. When you call, make sure you have both your American Express for Target Card and the last four digits of the bank account you registered online as your Funding Source available for verification.

  • How do I change my Funding Source?

    To change your bank account information stored online, log in at americanexpress.com/target, click on "Load Funds" from the menu, select the type of reload you wish to make (Example: One-Time or Auto Reload), then follow the instructions.

  • Does the American Express for Target Card have a minimum or maximum balance requirement?

    When you purchase the Card, there is a minimum initial load amount of $.01 and a maximum initial load amount of $500. Each time you reload the Card you can add from $.01 to $1,000 to the Card. There is no ongoing minimum balance requirement, but the maximum balance you can have on your Card at any given time is $2,500. You can have up to two Cards issued to you. The maximum balance you can carry per Card, at any given time, is $2,500, and you cannot load more than $5,000 across both Cards over a 28 day period.

    However, we permit you to maintain a higher balance limit and monthly maximum load amount of $10,000 across both Cards over a 28 day period if loaded with direct deposits from your employer or other payor.

  • What if my Card is damaged?

    If your American Express for Target Card is damaged, contact Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261). We will transfer your remaining funds to a replacement Card and send it to you at no charge. Please destroy the damaged Card once you have activated the replacement Card online or over the phone.

  • Is identification required to purchase or use the American Express for Target Card?

    When purchasing the Card in a participating Target store, you will be asked to show photo identification.

  • Does my American Express for Target Card expire?

    Available funds on your American Express for Target Card do not expire. However, there is a "valid thru" date printed on the front of the Card needed by merchants to process a transaction. We will mail you a new Card before the "valid thru" date passes. For more information, please see your Cardmember Agreement.

  • What if my American Express for Target Card is lost or stolen?

    If your American Express for Target Card is lost or stolen, contact Customer Service immediately at 1-888-872-9105 (International Collect 1-801-849-2261). We will transfer your remaining funds to a new Card and ship it to you at no charge.

    If you believe that an unauthorized transaction has occurred after your Card was lost or stolen, please see your Cardmember Agreement for more details in the section entitled "Errors or Questions About Transactions Related to the Card" and call us at 1-888-872-9105 (International Collect 1-801-849-2261).

  • Will I get a paper statement?

    You will not receive a paper statement. All Card transactions are available online. Log in at americanexpress.com/target and select "View Transaction History." If you would like a written history of Card transactions, call us at 1-888-872-9105 (International Collect 1-801-849-2261), and we will send you a 60-day written history.

  • Can I dispute a transaction on the American Express for Target Card?

    You can dispute transactions that you believe to be fraudulent or unrecognized charges. Call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261) as soon as possible if you think your online transaction history or receipt is wrong, or if you need more information about a particular transaction. See your Cardmember Agreement for more details.

  • What is Roadside Assistance Hotline?

    Your car breaks down or blows a tire and you're stranded. Now what? Luckily you're a Card Member.Call the number on the back of your Card for Roadside Assistance Hotline.Coordination and assistance with obtaining emergency services like towing, changing a flat, or boosting a battery are a phone call away and you can use your Card to pay.And soon you'll be on your way. Third-party service costs are your responsibility.There are some vehicle exclusions and other important restrictions.

    • Towing
    • Winching
    • Jump starts
    • Flat tire change when Cardmember has a workable spare
    • Lockout service when key is in vehicle
    • Delivery of up to 2 gallons of fuel

    Roadside Assistance Hotline is a 24-hour dispatch hotline that can send a tow operator or locksmith to assist in an emergency situation. While Roadside Assistance Hotline is available at no additional charge, the Card Member will be charged for any services or goods provided.Tow operator or locksmith can provide the following services: towing, winching, jump starts, flat tire change when Card Member has a workable spare, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Services are available when traveling within the United States, Canada, Puerto Rico and the U.S. Virgin Islands and only when Card Member is present with the eligible vehicle. This product does not cover some vehicles, e.g. rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors and trucks over 10,000 lbs gross vehicle weight.Other important exclusions apply. We may be unable to provide you with coordination and assistance services in case of inclement weather or on roadways which restrict access to certain service providers. Subject to additional important terms, conditions and exclusions.For full Terms and Conditions, call 1-800-333-AMEX or see www.americanexpress.com/us/content/prepaid/american-express-for-target-card/cardmember-agreement.html.

  • What is Purchase Protection*?

    Shop with added confidence and Purchase Protection*, which can help protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. Please read important exclusions and restrictions.

    *Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND.Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to $1,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see www.americanexpress.com/us/content/prepaid/american-express-for-target-card/cardmember-agreement.html.

  • Will this Prepaid Card appear on my credit report?

    No, this Prepaid Card will not appear on a credit report.

  • What is Global Assist®Hotline?

    When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial or other select emergency coordination and assistance services, including medical and legal referrals, assistance with passport replacement, missing luggage and more. Card Members are responsible for the costs charged by third-party service providers.

    While Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see www.americanexpress.com/us/content/prepaid/american-express-for-target-card/cardmember-agreement.html.

  • What is Entertainment Access?

    Entertainment Access* provides American Express Cardmembers access to special savings, exclusive events and advance tickets to some of the hottest events in music, sports and theatre.

    For advance tickets, simply visit americanexpress.com/entertainment to view the latest events.

    Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express®Card Members (including Prepaid and International Cards).Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability.Not all seats are available and blackout dates apply. All sales final.No refunds.No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express.Some events may not be accessible to Card Members with disabilities.

  • Will I receive an American Express for Target Card with my name on it?

    Yes. The American Express for Target Card you purchased at Target is your temporary Card. Upon our successful verification of your identity, we will ship, via U.S. mail to the address you provided when purchasing the Card, a personalized Card that will replace the Card you purchased at Target.

    Your personalized Card must be activated upon receipt, either by calling the toll-free number provided on the activation sticker adhered to your personalized Card or by visiting americanexpress.com/activatetarget. Upon activation of your personalized Card, the balance on the Card initially purchased at Target will be transferred to your personalized Card and the Card initially purchased at Target will be deactivated. Until the earlier of (i) the date you activate your personalized Card and (ii) the thirtieth (30th) day after the date you purchased your Card, you may continue to use the Card initially purchased at Target. Thereafter, the Card purchased at Target will be cancelled.

  • Can I suspend use of my American Express for Target Card?

    You can suspend and/or reactivate your Card by calling Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261).

  • How do I cancel my Card?

    To cancel your Card please call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261).

  • Can my Card ever have a negative balance?

    If a merchant authorizes a transaction for an amount greater than the American Express for Target Cardmember's available balance, the American Express for Target Card will generally be declined. However, in rare circumstances, a merchant may process a transaction without prior authorization, or an amount greater than a Card's actual available balance may be authorized. If this occurs, you may be notified to load more funds onto the Card. There are no overdraft fees.

    While this does not happen often, it is important to keep track of your balance and reload funds as needed. To help track your balance, you can opt to receive e-mail or text alerts when the balance on the Card falls below $20. While American Express does not charge for text messages, your mobile service provider's message and data rates may apply.

  • What should I do if I have more questions about my American Express for Target Card?

    If you have additional questions, please view your Cardmember Agreement or call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261).

How do I set up a bank account as a Funding Source?

  • Can I use my bank account to add funds to the American Express for Target Card?

    Yes. All bank account funding transactions will be processed through the federally regulated process established for bank account fund transfers.

  • How is my bank account verified?

    When a bank account is identified as a funding source, we verify the account using a trial deposit verification process. We will send 2 small trial deposits to the bank account you provided within 2 business days after the bank account is added as a funding source. The deposits should show up in your bank account as 2 separate amounts, each less than $0.99. In rare instances, the bank may combine these deposits into a single amount. If this occurs you can contact your bank and request that they identify the two separate deposit amounts for you. Verifying your bank account helps protect your financial information and confirms the bank account information you provided is correct.

  • How does the trial deposit verification process work?

    Once the 2 trial deposits have been made to your bank account, you will receive an e-mail from us asking you to verify the deposits. Following are the steps to verify the trial deposits:

    Step 1: After receiving an e-mail confirmation that the deposits are complete, look at your bank statement and make note of the 2 small amounts.
    Step 2: After noting the 2 deposit amounts, click on the link in the e-mail.
    Step 3: You will be asked to log in and enter the 2 deposit amounts.

    NOTE: If you only see one deposit from American Express exceeding $1.00, your bank may have combined these two deposits into one sum. If that is the case, please contact your bank and they can provide you with the two individual deposit amounts. If the correct amounts are entered, the account will be verified and stored for future use. The trial deposit process is only performed once per bank account.

    We cannot process any "Load Funds" or "Auto Reload Schedule" transactions from a bank account until the trial deposit verification is completed.

  • How long does it take to load funds with a bank account?

    Funds loaded to the American Express for Target Card from a verified bank account will generally be available within 5 business days after the load is requested.

HOW DO I SET UP A DIRECT DEPOSIT?

  • How do I set up Direct Deposit?

    To set up Direct Deposit first ask your employer or payroll department if they offer Direct Deposit. If they do, please follow the steps below:

    1. Log into your online account and select the "Direct Deposit" link from the Load Funds section

    2. Print out and complete the Direct Deposit form, or use your employer's Direct Deposit form

    3. Give the completed form to your employer

  • What are the limits around Direct Deposit?

    You can have all or part of your paycheck added to the balance of your Card or to any Card(s) you ordered for someone else. Please note, the Direct Deposit cannot exceed the $10,000 per person maximum balance and monthly load limit across both cards. Please see our Cardmember Agreement for more details. PLEASE NOTE:

    (1) Payments by the U.S. Government may not be Direct Deposited to the American Express for Target Card. This includes wages if you work for the U.S. Government, benefits such as Social Security, SSI, civil service retirement, VA compensation/pension, worker's compensation, Federal tax refunds, etc.

    (2) Subject to applicable law, funds on the American Express for Target Card are not redeemable for cash other than through permitted ATM access.

    (3) To verify that each Direct Deposit has been properly credited, the Purchaser can log into his/her American Express for Target Card online and review the transaction history or call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261)

  • When can I expect Direct Deposits to be added?

    It typically takes 1-2 pay periods for the initial deposit to be added to the balance. After that, you should get your Direct Deposit within one business day of your normal pay date (often earlier) - all without visiting a bank or check cashing location.

  • How do I know if the Direct Deposit was made?

    To verify that each Direct Deposit has been properly credited, you can log into your online account and review your transaction history or call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261). Direct Deposit funds should be applied to your account within one business day of your normal pay date (often earlier). You can also set up text and email alerts in your online account to inform you when money is added to your Card.