Target Prepaid Card

american express target
Prepaid Card
484 reviews   Write a Review
Info about the Target Prepaid Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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Target Prepaid Card ’s Key Fees

  • ACTIVATION FEE None
  • MONTHLY FEE None
  • SIGNATURE TRANSACTION FEE Free
  • PIN TRANSACTION FEE Free
  • ATM TRANSACTION FEE $3

Target Prepaid Card ’s Highlights

  • Use your Card virtually anywhere in the U.S. where American Express Cards are welcome—even online and at ATMs that accept American Express.
  • You can reload your Card as often as you wish. Adding funds is easy, either at Target stores, online or by phone.
  • Fraud Protection: If your Card is lost or stolen, you will not pay for fraudulent charges.
  • Save time by using Direct Deposit to automatically transfer all or part of your paycheck to your prepaid card. It's simple, secure, and can be set up by logging in to your account.
  • Entertainment Access: Special savings, exclusive events, and advance tickets to the latest shows - your Card can get you in where others can't. Be among the first to know about some of the hottest events in music, sports and theater with Entertainment Access.
  • American Express 24-Hour Customer Service.
  • Reload: $3.00 per initial load at Target and each subsequent reload (other than online & phone reloads using your designated checking or savings account).

Target Prepaid Card ’s's Additional Info

  • LIVE CUSTOMER SUPPORT Free
  • AUTOMATED CUSTOMER SUPPORT Free
  • RELOAD OPTIONS Direct Deposit, Bank Transfer
  • CANCELLATION FEE Free
  • INACTIVITY FEE None
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Customer Questions and Answers

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Is a Target Purchase discount included?
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How much $$ is to cancel the card?
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How long does it take for direct deposit to post?
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Photo of Card H.
Nov 30, 2012
Most direct deposits take between 3-5 days to process.
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Customer Reviews

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3.7 out of 5

484 reviews
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Photo of Trevor C.
Aug 5, 2015
I absolutely love this target prepaid card.. you can reload it as much times as you want they're no interest fees or monthly fees which is also great. this card has 24/7 customer service which is very helpful in case you have any issues . overall this card is better than any other pre paid card i ever had and i would suggest it to everyone.
Photo of Hannah L.
May 19, 2015
I like how there is no transaction fee or monthly fee. However, I do not like that there is a $3.00 ATM transaction fee. I feel that $3.00 to reload a card is a bit pricey, but I do see how without having monthly or transaction fees, it isn't as big of a deal. It is also nice to see that there is no cancelation or inactivity fee for this card. Overall, I would probably purchase this card. It is similar to the Visa Prepaid Cards my parent's have given me as a gift, however I find that this being reloadable makes it more marketable.
Photo of Joe S.
May 1, 2015
I actually used this card as a gift card before. It had no transaction fee to activate which is better than many prepaid cards. The added benefit was the person using it was able to use it as a prepaid card themselves, add money and even use it at ATM machines if they needed. To me, this is a better option than just buying someone the standard gift card. It's a gift card with benefits!
Photo of Patty G.
Apr 16, 2015
Target & American Express are two very reputable companies so I know I can trust this card! I like that you can reload this card at any Target because it is very convenient to be able to reload my card while I shop for groceries. My Netspend prepaid card does not have very many locations where I can reload so the American Express Prepaid Card for Target has an advantage. I don't like that the ATM and reload fees are a bit high.
Photo of Melissa L.
Mar 30, 2015
The American Express prepaid card is a good way to teach older kids and especially college students how to use a credit card without ruining their credit if they mess up and spend too much. This will control their spending by giving them a limit and not allowing them to go over. However, the cost of reloading the card is $3 each time and if you use an ATM there is also an additional $3 charge. Fees can get quite expensive and are a waste of money in some instances. There are other cards available such as at Walmart or through a bank that will be cheaper and still allow more
Photo of Kyle T.
Mar 13, 2015
Although you can use the American Express Target Prepaid Card anywhere they take American Express, it has a major drawback for me.
Sure you can reload the card like any other prepaid card.
And it has fraud protection, Direct Deposit, no monthly fees etc.
But seriously, $3.00 to reload a card?
We have the Bluebird card from American Express and Walmart, with no reload fees and the same perks that the American Express Target Prepaid Card has.
So when choosing between Target's version and Walmart's version, it was a no-brainer.
Photo of Rhonda W.
Feb 26, 2015
The American Express Target Prepaid card for me would be a great service, as I do a lot of shopping at the store. Being able to use as a credit card adds to the convenience for those who do not have access to a credit card. The $3.00 ATM and refill fees seems unreasonable.
Photo of Jarett C.
Feb 11, 2015
The American Express Target Prepaid Card is a great option for someone who is looking for an easy to use, flexible card where you can control the spending limit. In my opinion, the $3.00 ATM fee is a little on the high side, so if you plan on using this card to get cash out of the ATM, keep that in mind. What I really like about this card is the ease of adding funds to your card, as well as the fact that there is no activation or monthly fee. If you have someone who is new to using cards (sibling, child, niece/nephew, etc.), this would be a great more
Photo of Debbie M.
Feb 5, 2015
I like to pay my bills and shop online. If I did not have a credit or debit card this would be a great back-up. There are many people who are unable to secure a checking account for various reasons and this would be a solution for them. I prefer to use a card rather than carry a lot of cash. The $3 ATM transaction fee is a lot, especially since there will be an additional fee added depending on the institution. That is the only drawback that I can see with this card. This card would make a great gift for my nieces who love to shop online. It more
Photo of Suzanne S.
Jan 6, 2015
My mother bought me this card for my birthday a few days ago. I was pretty happy because it was 50 dollars. But there is nothing special about it. It is just like any other gift card. I wonder why mother even bought it for me. I have my own debit card so it is pretty much useful. I used to love getting gift cards as a teen because of the ease of swipe access. But now it’s no big deal. So I would say that this makes a pretty good gift for pre-teens and teenagers who do not have debit cards. I use Discover credit car. It is much more
Photo of Sheena L.
Jan 6, 2015
I am reviewing the American Express Target prepaid card. What I really like about this card is that you can direct deposit your payroll checks for free. Upon reading the charges and fees I was dissatisfied with the fact that it charges you $3.00 for every ATM transaction after only one free one a month, plus $3.00 for every reload. I think that is a bit too expensive.
Photo of Jenn C.
Dec 27, 2014
I needed a last minute gift. Purchased early on Christmas Eve, was told that funds would be available within the hour. I bought it so a young family member could do some online Christmas shopping. You have to register to card to someone over 18. No big deal I put it in my name. Then try to register it after I gave it. THE SECURITY CODE DOESNT MATCH THE ACCOUNT! So the card is useless, until I receive a permanent card in the mail. And my niece has been left empty handed!!! What a joke, now three days later and I am trying to get my funds back and the more
Photo of Warren I.
Sep 15, 2014
I have used this card before and I loved it. I prefer not to use traditional banks, and this card has made that so much easier. I can easily reload money to the card, and at $3.00 per reload it is much cheaper than many of the other cards available. I can use the card to pay my bills online, reduce the amount of cash I have to carry, and use it for online shopping. For someone who doesn't want to store their money with a bank, this card is perfect. I even have my paycheck deposited directly on my card, and save myself a trip to the store to more
Photo of Jeff G.
Sep 2, 2014
I am not impressed. Three dollars each time I want to put money on the card, and three dollars each time I want to get money from the card (except for the generous one free atm withdrawal a month)? This would add up very quickly, and with all the better options out there on re-loadable cards, I can't imagine why I would accept these terms and pay all of that money. No thanks.
Photo of Katelyn W.
Aug 8, 2014
I dont personally see the bennifit of having this card except for maybe a teenager. You can direct deposit funds onto the card and theres no fees associated with it accept atm fees after your 1st free one. This is similar to the Bank of America secured card accept it doesn't report to any credit bureaus so you dont really get any benefits. Again good for a teenager but not idea for an average person.
Photo of William S.
Jul 5, 2014
The Target prepaid card looks to be a good deal.
The no start-up or monthly fees in good in contrast to other offers (Cap 1, Orchard, etc).
The ability to reload at a Target store is nice as well; it's convenient to be able to add cash to your card.
Also, it's AMEX; I doubt you'd go wrong!
Photo of Alan B.
Jun 6, 2014
The Target Prepaid Card from American Express has many great features. There are no activation fees, no transfer fees, and you can use the card either as credit or debit without fees. If you use an ATM more than once a month, there is a $3 fee, but that rate is average when you use any ATM that is specifically from your bank. Overall, this is a great Prepaid card.
Photo of Emily S.
May 27, 2014
This card really doesn't have any downsides aside from the ATM charge, but I don't typically use cash, so it wouldn't be a big deal to me. Aside from that, there are few fees and no real issues (I like the lack of inactivity fee). I've used a prepaid Visa, which did have an inactivity fee, and that was fairly inconvenient, so it's nice to see that there are better options. Prepaid cards are great for students, because cash is inconvenient to use, but cards make it harder to keep track of money. Prepaid cards where you can add money in increments are great, and this one is no exception.
Photo of Frankie S.
May 9, 2014
Not a fan of prepaid anything. If I already had the money why bother going threw the hassle of getting the card. Plus never been an AMEX fan. Too much pressure to pay it all off at end of month.
Photo of Austin C.
Mar 28, 2014
The card has very few fees and nothing that will come as a surprise to anybody familiar with prepaid cards. The ATM fee of $3 can easily be avoided by using cashback at a local store and there are no penalties for not using the card. The only additional thing that I wanted is the ability to reload the card at a Target location, like I was able to do with the Walmart prepaid card that I was using up until recently.
Photo of Veronica G.
Mar 17, 2014
I would use this card, I am currently using one similar to it sponsored by WalMart. And I must admit that it is a very convenient and safe way to manage my digital transactions. I would recommend this card to anyone.
Photo of Number T.
Feb 24, 2014
Target Prepaid credit card is a risk I don't want to take even if it is through American Express. The hacking episode Target had a couple months ago probably could not have been avoided. Reading the news about the cyber attack makes it look like the company did all they could to protect consumers. Still, I would be very unlikely to give anything having to do with Target and credit another chance.
Photo of Sasha N.
Jan 31, 2014
I like the American Express Prepaid card. It allows you to put a good amount of money on the card, while most prepaid cards only allow a couple hundred. I also like the fact that after you have been using this card for a while, you may qualify for a real credit card, while other cards do not. Good card.
Photo of Tina M.
Dec 17, 2013
The American Express Prepaid card is pretty good as far as prepaid cards are concerned. There are no types of activation or monthly fees, so it has that advantage over other prepaid cards. I like that they let you get up to three cards with your account. This allows family members the option to each have access to the card. This could be very handy if you wanted to use this card just for groceries or other expenses that you and your family want to keep on a budget. I also like that you can add money to the account using direct deposit - very convenient. The downside of this more
Photo of Karen C.
Dec 13, 2013
The great thing about this card is that it's from American Express and they've always offered great customer service. It's also a good tool if you're trying to cut back on using credit. I load my card with my monthly food budget and it helps me stay on track with spending. I just use my debit card to reload it when it runs out. I'd never used a prepaid card regularly before I tried this one, but I had been given a Visa prepaid card as a birthday gift one year and liked the convenience while knowing I wasn't going to rack up interest. However, I chose to go with more
Photo of Jessica N.
Dec 6, 2013
The American Express prepaid card is a pretty good card. I think with a prepaid card, you are spending money you HAVE, and keeping track of your purchases. American express prepaid has high deposit limits, and minimal fees. Although, I would prefer if they had partnered with some bank that offers free ATM transactions, rather than just one free transaction yearly, and then a $2 fee from then on. I would personally appreciate that option to use an ATM for free most of the time. One major downfall is limited locations accept American Express. Overall, the American Express prepaid card is flexible, and a good deal. It would just be more
Photo of Scott M.
Dec 4, 2013
I have always enjoyed the convenience of prepaid cards, however, in the past I have run into problems with deposit amounts and number of additional cards allowed. The American Express Prepaid Card allows up to $5,000 in direct deposit and $2,500 in cash deposits per month which is considerably more flexible than other cards I have looked into in the past. With AMEX prepaid, you have the option of having up to 3 cards. This is particularly useful, especially when teaching children how to budget or monitoring their spending habits. The one thing I am disappointed in with this card is ATM fees. You are only allowed one withdrawal per more
Photo of JC M.
Nov 26, 2013
I believe the features of this AMEX Prepaid card are top notch compared to its competitors. The fact that it has no activation fee nor monthly fee make it convenient to use month-to month. Couple that with the fact that there is no cancellation fee or inactivity fee, this is basically a risk free card to get. I once had a Chase Liquid Prepaid card, and it would charge me a monthly fee to use the card. I would highly suggest getting an AMEX Prepaid card for anyone interested in getting a card that won’t charge them money to spend their money!
Photo of Susan C.
Nov 22, 2013
The American Express Prepaid Card is a useful option for the few people who may not have a bank account to use or for those wishing to give a gift, but not wanting to hand out cash. The American Express Prepaid Card comes with the excellent customer service provided by American Express for all its customers at a smaller cost.

The card itself has few fees. There are no annual or monthly fees, which are common with bank accounts and credit cards. Secondly, transactions cost nothing, with the exception of ATM withdrawals. There is one free ATM withdrawal a month, which is the obvious downfall to this card. After the initial more
Photo of Jane L.
Nov 19, 2013
This is an excellent option for those looking for a prepaid debit card. American Express has excellent customer service, and this most definitely extends to the American Express Prepaid Card. There are no activation or monthly fees - keep your money in your pocket. Many other prepaid cards, such as the Magic Prepaid Mastercard, come with a monthly fee. There are multiple options when it comes to making deposits to your card, which is highly convenient. The biggest downside is the limit of making one free ATM withdrawal per calendar month, and any additional withdrawals will be accompanied by a $2 fee. Shop with the confidence that if your card more
Photo of Mike S.
Nov 11, 2013
I have used the American Express Prepaid Card for quite sometime now, and i must that i really enjoy using this. I like it most because its a no hassle type of card that you can use anywhere that uses debit. It makes it even better that it carries the branding as well. I truly live by the slogan of "don't leave home without it". I would recommend this card to anyone who is tired of using other name brands that gives them too many issues. I feel this card will ease them in such a big way! I give this 10/10!!
Photo of Jester C.
Nov 4, 2013
The American Express Prepaid Card is a useful option that in reality supplants a debit card, but provides other features since it is actually categorized as a credit card when using it for purchases. The AMEX Prepaid Card is almost identical to the Bluebird card that is offered at local Wal-Mart stores in the name of American Express also. One primary advantage the American Express Prepaid Card has over the Bluebird Card concerns the available alternatives to deposit or withdrawal funds. With fewer restrictions on places for withdrawal, the holder of the American Express Prepaid Card has a slightly better range of available options to get at their money.

Another more
Photo of Maggie C.
Oct 31, 2013
The American Express prepaid card is an amazing card. It spends like money but works like membership. I think it is amazing that there aren’t any fees. I know other prepaid cards that charge a monthly fee which is not ideal when using cash to load the card. This card comes with a 24 hour a day customer service number that allows you to get assistance when you need it. This is a great card for young teens as well as a parent can get an account and just share a card with a child. This helps limit their spending and track purchases. Since this card comes with the guarantee more
Photo of Justin A.
Oct 22, 2013
I always have enjoyed using my American Express Prepaid card. The design on it is great, and it works just as well as any other American Express card, but without the credit part! The card being prepaid was a huge advantage, because it kept me from overspending. The only thing I didn't like was the fact that a lot of merchants and retailers don't accept American Express cards. Other than that, this is my favorite card. No fees, no hassles, just convenience. I hope to someday own another American Express card. Their customer service team is unbeatable, and always there to help you.
Photo of Gregory S.
Oct 18, 2013
I love my American Express Prepaid Card! I primarily use it for shopping online. Since it's a prepaid card, I don't have to worry as much about someone misusing my information. I like that it has so many convenient load options, including by phone, online, by direct deposit, with a bank account, or with cash. When I need to make a withdrawal, I benefit from the fact that I get a free one each month. Unlike most other prepaid cards, the American Express Prepaid Card doesn't have activation or monthly user fees which is very convenient. American Express is always a cool card to have and whenever I have any more
Photo of Rachael A.
Oct 18, 2013
I thought that the terms of the card were great. The fact that here is no fees for the card to be uses is nice. That will make it much more convenient to give card to my kids. It is a great alternative to sending them with cash that is much easier to lose. Not too long ago I was issued a pre-paid card from Citi bank. The card had fees every time that you would go to swipe it. It was $0.50 for a debit transaction and $3.50 for a credit transaction. I felt like those were unnecessary amounts to be charged. The American Express Prepaid card had almost no cons.
Photo of Abby L.
Oct 15, 2013
The american express prepaid card is a great prepaid card because it does not have fees like the other prepaid cards have. This is mainly good if you want to give your younger sibling who do not have credit cards. They can use this to buy things online, just like a credit card. What's also great is that they do not have a foreign transaction fees like the other prepaid cards have. If the card gets stolen, you do not have to worry about the money that you have in the card. Your money is well protected by american express and you just have to let them know about the more
Photo of Chris N.
Oct 8, 2013
American Express Prepaid Card is a wonderful solution to not having a bank account. I love the fact that there is no monthly fee that is something very unusual now a days from prepaid cards they all want to make their money off of the monthly fees. There is no sign up fees and no cancellation fees which is also wonderful. Another thing that amazes me is there is no transaction fees seems like the only fee this card will hit you with is a fee to withdraw money which is fine by me, I rarely ever go to an ATM and withdraw money. They have free customer support which more
Photo of James C.
Oct 4, 2013
American Express Prepaid Card is a great card to have. If do not prefer not to have credits cards and also like to purchase on online or even in stores. You can also use this card for direct deposit if you do not have a bank account. Also there are no fees when using this card and also you get one free ATM withdrawal a month. In my opinion, this is a bad because some people prefer to use this features more frequently, unless you are willing to pay the penalty fee that costs two dollars. I barely use this feature since I only use it to make purchases online. more
Photo of Ben M.
Sep 26, 2013
The American Express Prepaid Card is great if you need a prepaid card but DON'T have direct deposit. The alternative American Express cards like Serve and Bluebird can be completely free if you have direct deposit, but costly if you don't. This card will only charge you a fee if you make more than one ATM withdrawal a month. The nice thing about this card is that if you use it enough you might get invited to sign up for a normal AMEX card which you can use to start building up your credit. They don't report your activity to the 3 major credit agencies, but for a card with more
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Last updated on: Aug 27th, 2015 at 9:16 EDT

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