Target Visa Gift Card Tips and Tricks

target visa gc package

Target sells gift cards online. They sell not only their own GC, but also other store’s GC and Visa GC. I added Visa GC to the cart and choose Target REDcard as a payment method to see if REDcard-5%-discount would apply on the purchase. The result was NO. The discount DOES apply on other store’s GCs, but NOT on Visa or Target GCs. When I was doing this research, I noticed that I might be able to choose Target GC as payment for the purchase of GCs. I could check the box next to Target GC, and there was no error message so far. But I didn’t have any Target GC so I couldn’t go further at that moment.

Soon, I went to and searched for Target GC. I found many 4% to 5% off gift cards. I bought 2 e-gift cards at and immediately tried to use it.

It was successful!

buy visa gc with target gc

I was able to buy a Visa GC with Target GCs.

At, the highest denomination of Visa GC is $100, and it charges $6 fee. Although I used Target GCs I got only 4.5% off, I didn’t lose money in overall transactions. Because:

  • I bought $106 Target GC for $101.23 (+$4.77)
  • gives 1% cash back on purchases at (+$1.01)
  • 1% cash back from credit card (+$1.01)

Total $6.79 covers a purchase fee of Visa GC!

cash back from visa gc at costcoThis isn’t the only discovery about Target Visa GC. The GC arrived a week later. On the same day, I went to Costco and see if I could get cash back at the register. I bought two $25 Costco Cash Cards. I swiped the GC and enter the PIN. And then a button that said, “20” appeared on a touch panel of card reader. I press the button and a cashier gave $20 in cash.

target visa gift card tips and tricksAlthough the description on the small paper card inside the package of the GC (“When swiping the card, always select credit, not debit, since there is no PIN”), a card reader wouldn’t let me choose between credit or debit. It just prompted me to enter a PIN. Whatever the 4-digit numbers you enter for the first time will be the PIN of your Target Visa GC. If you forget the PIN, go to You can reset, and 4-digit numbers you will enter next time will be a new PIN. All these information can be found in the website. You can also check the balance, view transaction history, and assign the zip code in this website.

I bought $200 Visa GC at in the same way. It is still on the way. When I receive it, I will try to get cash back at the register. And I will order another Target Visa GC and try to get cash back at different stores. I will need lots of Target and Staples GCs!

Updated July 7th 2014, cash back with purchase won’t be successful. I don’t know if it is not accepted anywhere, but at least not at Costco, where it used to be accepted.

Target REDcard 5% Discount on Gift Cards

I love Target. They sell everything. Since they start selling groceries, Target has been my favorite store I visit most frequently. I have REDcard which give you 5% discount on almost everything. Here is the list of items that 5% discount DOESN”T apply:

  • target redcardPrescriptions, Target Clinic services and Target Optical eye exams
  • Target gift cards and prepaid cards
  • Previous purchases
  • Target credit account payments, Target Debit Card cash back and cash advances on the Target Visa Credit Card
  • Target Commercial Interiors purchases
  • Gift wrap and shipping and handling charges on purchases
  • Where otherwise prohibited by law

From the list, I can clearly see that you can’t get 5% off on Target gift cards purchase, but what about other gift cards? What includes in “prepaid cards”? I had bought Boost Mobile’s refill cards and verified that 5% discount was applied on the purchases. I am not interested in other gift cards such as Starbucks, restaurant’s, and iTunes because you can easily find these gift cards with more than 5% discount on eBay. But, what about Visa and American Express gift cards?. Will I get 5% discount on these gift cards, too?

To check this out, I went online and added them to a cart, and chose REDcard as a payment method. As you see in the picture, REDcard discount doesn’t apply on Target or Visa gift card. .

discount on gift cards

And a purchase fee of Visa gift cards are expensive. $100 charges $6 purchase fee, and $100 is the highest denomination. Only Visa gift cards are available online. So, I went to the store to check the fee of American Express gift cards, but they are all the same. Here is a fee table of Visa and American Express gift cards being sold at Target

  • $100 Visa/Amex – $6 fee (6%)
  • $50 Visa/Amex – $5 fee (10%)
  • $25 Visa/Amex – $4 fee (16%)

Probably, all Visa and American Express gift cards being sold at Target charge at least 6% purchase fee. And also you can’t find any other bank gift cards at Target.

Here is a list of the other gift cards you can find at Target:

AT&T Go Phone
Apple ITunes
Bass Pro Shops
Boost Mobile
Xbox live
T-Mobile Prepaid
Microsoft Office
Nintendo Eshop
Texas Roadhouse
Southwest Airlines
Google Play
Harley Davidson
Einstein Brothers Bagels
Logans Roadhouse
Burger King
Spa Week
Olive Garden
Red Lobster
Buffalo Wild Wings
Coldstone Creamery
Red Robin
Ruby Tuesdays
Darden Restaurants
Cracker Barrel
AMC theatres
PF Changs
Verizon Wireless prepaid

This is not really a great selection, but keep in mind that Target has these gift cards, and you can buy with REDcard at 5% off price.

While I was poking around a shopping cart at, another question came up. Can I purchase Visa or other gift cards with Target gift cards? When entering billing information, all payment methods are choose-able. At that time, I didn’t have any Target gift cards. So, all I could do was check the box, and there was no error message so far. I really need to make sure of this. I will update a result in blog “Target Visa Gift Card Tips and Tricks

buy gift cards by gift card

target covert visa gift card