Target Prepaid Card

target prepaid card
Prepaid Card
4 470 reviews   Write a Review!
JUMP TO: KEY FEES | REVIEWS | Q&A | CUSTOMER SERVICE INFO
Existing Cardholders
 
 
 

Target Prepaid Card ’s Key Fees

  • ACTIVATION FEE None
  • MONTHLY FEE None
  • SIGNATURE TRANSACTION FEE Free
  • PIN TRANSACTION FEE Free
  • ATM TRANSACTION FEE None 1st ATM withdrawal per calendar month, $3 per trans after

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
  • CANCELLATION FEE Free
  • INACTIVITY FEE None
Apply Now
at American Express’
secure site
back to top

Target Prepaid Card Reviews

 
Your Rating: 0 edit
Your Rating:
0
1 2 3 4 5
 
3.8
Overall Rating: 3.8 / 5
Total Ratings: 470
Sort by:
Sep 15, 2014
Photo of Warren I.
4
By:
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
Sep 2, 2014
Photo of Jeff G.
2
By:
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.
Aug 8, 2014
Photo of Katelyn W.
1
By:
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.
Jul 5, 2014
Photo of William S.
4
By:
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!
Jun 6, 2014
Photo of Alan B.
5
By:
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.
May 27, 2014
Photo of Emily S.
4
By:
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.
May 9, 2014
Photo of Frankie S.
2
By:
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.
Mar 28, 2014
Photo of Austin C.
4
By:
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.
Mar 17, 2014
Photo of Veronica G.
4
By:
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.
Feb 24, 2014
Photo of Number T.
1
By:
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.
Jan 31, 2014
Photo of Sasha N.
4
By:
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.
Dec 17, 2013
Photo of Tina M.
4
By:
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
Dec 13, 2013
Photo of Karen C.
5
By:
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
Dec 6, 2013
Photo of Jessica N.
3
By:
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
Dec 4, 2013
Photo of Scott M.
3
By:
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
Nov 26, 2013
Photo of JC M.
5
By:
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!
Nov 22, 2013
Photo of Susan C.
4
By:
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
Nov 19, 2013
Photo of Jane L.
5
By:
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
Nov 11, 2013
Photo of Mike S.
4
By:
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!!
Nov 4, 2013
Photo of Jester C.
5
By:
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
Oct 31, 2013
Photo of Maggie C.
5
By:
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
Oct 22, 2013
Photo of Justin A.
4
By:
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.
Oct 18, 2013
Photo of Gregory S.
5
By:
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
Oct 18, 2013
Photo of Rachael A.
4
By:
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.
Oct 15, 2013
Photo of Abby L.
4
By:
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
Oct 8, 2013
Photo of Chris N.
5
By:
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
Oct 4, 2013
Photo of James C.
4
By:
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
Sep 26, 2013
Photo of Ben M.
4
By:
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
Sep 23, 2013
Photo of Skye L.
4
By:
I really love the American Express Prepaid Card. Unlike many other cards, there are no fees. This is really helpful because as you use your card for more and more time, the fees add up to hundreds of dollars that can be used on other things. I usually use the Netspend card, which has a very high fee of $10. If you get direct deposit, it goes down to $5, but it still adds up to a lot of money over time. I love the fact that the American Express Prepaid off the freedom to deposit a high amount of money onto the card. I look forward to using this more
Sep 19, 2013
Photo of Tao A.
4
By:
The American Express Prepaid Card is a decent option for a prepaid card. No monthly fees, free direct deposit, and one free ATM withdrawal per month are all great benefits that not all prepaid cards offer. No activation fee, either. Your money stays yours for the most part. The $2500 or $5000 limit is a bit frustrating and you'd better make that one ATM withdrawal count unless you want to get hit with fees because it's $2 per transaction after that. At least they allow you one free, most cards don't. And there aren't fees to use it with a PIN or signature for purchases. There might be a better more
Sep 10, 2013
Photo of Calvin H.
3
By:
The American Express Prepaid Card is very nice prepaid card. With absolutely no recurring fees, this beats a lot of other prepaid cards offered out there. One hug drawback, however, is that they only offer one measly ATM withdrawal per month. Then, you need to pay $2 for every withdrawal afterwards. So if you get this card, it would be smart to keep half of your money in cash, and half in the card so you don't have to withdraw too many times. A good perk about this card is that you may receive more offers from American Express if you have a nice record. This card is also good more
Sep 5, 2013
Photo of Chantel L.
4
By:
Using the American Express Prepaid card is similar to using a debit card; there are minimal fees. This is sooo nice. Who wants to spend a higher amount of money in return for a card that is worth less than you paid for? Or pay more per transaction (ten dollars when your items total 7). It makes no sense. The only fee i really see with the American Express prepaid card is the transaction fee for ATM withdrawals and $2 per transaction is on the lower end and normal for cash withdrawals. They even give you one free w/d per month, which is nice if you're like me and don't more
Aug 29, 2013
Photo of Michael H.
4
By:
The American Express Prepaid Card is leagues beyond most prepaid cards. I’ve tried other prepaid cards such as generic Visa prepaid cards and Walmart cards, but they’re often riddled with fees and are expensive to use. The American Express Prepaid card doesn’t have many fees and is much more fair than other prepaid cards. They even give 1 free ATM withdrawal each month which isn’t something that’s common among other prepaid cards. At just $2 per withdrawal after the first, it’s less than others like the moneycard that I’ve used in the past. Many cards charge up to 3-5 dollars to use the ATM. more
Aug 20, 2013
Photo of Chris M.
4
By:
My nephew has the American Express Prepaid Card and loves it. His credit is kind of low at the moment, but he wanted a nice prepaid card that would allow him to make purchases and may also get him invited to some of the other American Express cards in the future, which can be difficult to get approved for, but offer amazing rewards. This card is decent if you are looking for a prepaid card. The best thing about it is there are no fees, where as some prepaid cards over load you with unnecessary fees and try to rip you off, this card isn't like that. The customer service more
Apr 5, 2013
Photo of Jamie V.
4
By:
I like this card, I have had it for a few months and have not had any problems so far. I use this in place of a bank account. I applied for the card online and the online application process was fast and easy. It took about 4 days for me to receive my card after I applied. I like that it doesn't have any fees and that it provides the same features as the other cards they have. The only thing that I don't like is that American Express cards are not accepted everywhere. Other than that I do not have any complaints about this card.
Feb 20, 2013
Photo of Card H.
1
By:
There shouldn't be any fee to close your account. You'll just need to contact their customer service and cancel your account.
Jun 14, 2013
Photo of Sahara E.
Sahara Elbahja
:)
Jun 27, 2013
Photo of Raja K.
Raja Kumar
:)
Feb 8, 2013
Photo of Shelly M.
5
By:
I really enjoy having the American Express Prepaid Card. I've had mine for a almost a year now. I use mine instead of a bank account. I received my card very quickly, within a week of applying. I get my money direct deposited. It is very convenient because I do a lot of independent contracting and the money is deposited typically with in two days of the time I request a deposit. I have never had good luck with bank accounts or regular credit cards. This one allows me to only spend what I have, and I can check my statements directly on the website. I also opted for e-mail more
Jan 3, 2013
Photo of William S.
4
By:
I applied for the American Express Prepaid care about 6 months ago. They had a great promotion where I got a $25 bonus on my first deposit. I received the card about 2 weeks later and it was simple to set up. I can access my account online and also by phone. I get access to 24 hour customer service. The card has no minimum and there are no usage fees when making purchases. I can load my card with a GreenDot MoneyPak or with direct deposit. It was so east to setup the direct deposit with my online account. I use this card for mostly online purchases and feel more
Dec 26, 2012
Photo of Naomi K.
4
By:
I use the American Express prepaid credit card. I found out about it from an online promotion that was paying $3 to apply. It has a lot of good features including no activation fee and no monthly fee. I use it as a backup credit card for times when I'm travelling or shopping, and something goes wrong with my primary credit card. Although it's a prepaid card, If you use it regularly and keep your account in good standing, you might get an invitation to apply for an unsecured American Express card. You get one free cash withdrawl per month from an ATM machine, which most prepaid cards don't offer. more
Dec 9, 2012
Photo of William W.
1
By:
This card isn't worth it. You have to wait even longer to get paid (if you have direct deposit) because it takes them an additional 2 to 5 business days to process, etc. NetSpend gets expensive, but it's a heck of a lot better than this thing!
Page: 1 · 2
 
Oct 7, 2014
Photo of Maxine S.
By:
Is a Target Purchase discount included?
Feb 20, 2013
Photo of Teresia M.
By:
How much $$ is to cancel the card?
Nov 15, 2012
Photo of Eartha M.
By:
How long does it take for direct deposit to post?
Nov 30, 2012
Photo of Card H.
Most direct deposits take between 3-5 days to process.
Oct 16, 2012
Photo of Duane C.
By:
howdo I activate my american express card online I have tried to but could not get it done I have opewned online account does it cost anything to open an account prepaid card online let me know.
Jul 24, 2013
Photo of Card H.
Your best bet is to call their the American Express Customer Service line at 1-800-528-4800.
Sep 23, 2012
Photo of Erlene K.
By:
any other financial institute I can get this card ordered apart from American express site..
Related Credit Cards

If you are interested in the Target Prepaid Card , check out the following prepaid cards as well:

 

CardHub is an independent card comparison service.

We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Once you click the "Apply Now" button, you will be directed to the issuer's website. Before applying, we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Target Prepaid Card shown on this page.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted toward the top of the page using the designation "Sponsored Card", when applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Regardless of advertiser status, none of the information on CardHub constitutes a referral or endorsement of the respective issuer by us, or vice versa. Furthermore, it is important to note that the inclusion of non-sponsored cards on CardHub does not indicate that issuer's involvement with the site. Information is displayed first and foremost for helping consumers make better credit card decisions.

Last updated on: Oct 11th, 2014 at 8:18 EDT