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REDcard Testing, Post Cinco de Mayo Memo

Yesterday I broke the news with the confirmation of a Target memo that May 5th would be the final day to load REDcards with a credit card.

Last night I did my final REDcard loads via a credit card.

This morning I went back to test the waters. Here are the results:

-Credit cards are indeed hard coded so that they can’t be loaded to REDcard, even if the cashier tries.
-Credit cards are also hard coded so that they can’t be loaded to the older American Express for Target cards, even if the cashier tries.
-I was able to use a Vanilla issued Visa gift card (like those sold at Office Depot and 7-Eleven) by using the last 4 digits of the card number as the PIN.
-I was able to use a Metabank issued Visa gift card (like those sold at Office Max and Staples) by using the last 4 digits of the card number as the PIN.
-I was not able to use a Staples Visa rebate card as the last 4 digits didn’t work as a PIN.
-I was not able to use an AMEX gift card as it also doesn’t have a PIN.

So not all is lost. They were very easy-going about loading gift cards to REDcard. And you are able to use multiple gift cards in one transaction using split tender.

You can still load $5,000 of Visa gift cards onto each REDcard per month.  If you have an Ink card that’s 25,869 miles per month if you buy the Visa gift cards at an office supply store earning 5 points per dollar.  Yes, you’ll pay $173.75 in gift card fees as opposed to it being free previously.  But being able to obtain miles for that cheap is a bargain.  A first class award in a lie-flat bed on an 11 hour flight Newark to Honolulu is just 30K Singapore miles.  Or a Singapore suite from JFK to Europe is 57K miles.

Of course when the gift cards go on sale the numbers change completely. Currently you can get gift cards for below face value at Office Max and Office Depot.  Or you can just buy gift cards online from Staples.

Don’t have an Ink card yet? The Ink Plus and Ink Cash cards are both offering 10K more points than normal for signups by 05/25.

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95 Responses to “REDcard Testing, Post Cinco de Mayo Memo”

  1. eric Says:
    1

    dan, can I load 5 $200 visa gift cards( got them from staples) at one time?

    ReplyReply
  2. reb yid Says:
    2

    I thought for the Vanilla cards, i thought any 4 digits will work as the pin.

    ReplyReply
  3. Anonymous Says:
    3

    For vgc does each card need to be a separate transaction? No split tender or auto drain like when it was used as cc is there?

    ReplyReply
  4. Welder Says:
    4

    Thanks for the update. Would there still be a daily limit of $2,500 when loading gift cards?

    ReplyReply
  5. Dg Says:
    5

    Just note that the it may trigger a tax problem with 200 transactions and over $40k in a yr.

    ReplyReply
  6. eli Says:
    6

    So how do I get rid of amex gift cards???
    Thanks

    ReplyReply
  7. Wiz23 Says:
    7

    Can you get red cards in New York yet?

    ReplyReply
  8. AnswerGuy Says:
    8

    @eric: yes
    @Welder: yes
    @Dg: I hit by mistake that last yr, wasnt pretty.

    ReplyReply
  9. rc seller Says:
    9

    @Wiz23:

    i can get u a red card in ny.. text me 530-435-5695

    ReplyReply
  10. AnswerGuy Says:
    10

    @Wiz23: Not Yet

    ReplyReply
  11. Terrence Says:
    11

    @eli: Return them for a refund?

    ReplyReply
  12. Refuafan Says:
    12

    Same question as Anonymous – Can the VGCs be done with multi-drain (which required ‘credit’ option), or did the hard coding block that, and now it’s just single swipes with debit?

    Thanks for the research!

    ReplyReply
  13. Mendel Says:
    13

    Could gift cards be loaded online?

    ReplyReply
  14. shlomo Says:
    14

    how do I get the coupon off cash cards at office depot ? does it automatically come off?

    ReplyReply
  15. Dumb Says:
    15

    Dan can you please provide pics of which kind of gc’s work and which dont? I remember hearing that there are many types of vanillas etc and some wont work
    thanks

    ReplyReply
  16. momo22 Says:
    16

    Is there any way to use credit cards on line ? I live in Israel

    ReplyReply
  17. wondering Says:
    17

    How about Debit Cards? Debit cards have pins. That way i can just put money onto them?

    ReplyReply
  18. My friend sells for $20 Says:
    18

    @wiz23 u want for $20

    ReplyReply
  19. Necjak15 Says:
    19

    From this post – http://www.dansdeals.com/archives/64557 it appears office max policy wont allow for CCs to buy gift cards. Is this universal? If yes, then this route is lost, too.

    ReplyReply
  20. DAN THE MAN Says:
    20

    Who operates this flight?
    “A first class award in a lie-flat bed on an 11 hour flight Newark to Honolulu is just 30K Singapore miles.”

    ReplyReply
  21. hvaces42 Says:
    21

    For those of us that dont have INK, I have found the best alternative is to use the Everyday Preferred Card at Shoprite, Stop & Shop, or any other grocery that sells VGC and MGC to get 4.5 MR points per dollar on the first $6,000 in spend (after 30 transactions in a month) and 1.5 points per dollar thereafter.
    Or, using the Premier Rewards Gold card for shopping at those grocery stores to get 2 points per dollar for purchasing VGCs or MGCs.

    ReplyReply
  22. lee Says:
    22

    @shlomo: the current office depot / office Max promo is automatic at the register. No coupon needed.

    ReplyReply
  23. Ben Says:
    23

    Just hit target and loaded 2 cards @ $2500 each with a credit card!!!!

    ReplyReply
  24. Terrence Says:
    24

    @dan, how does it work out to $173 for 5k?
    Isn’t it about 3-4 bucks per $500 gift card?

    ReplyReply
  25. Sam Finkelstein Says:
    25

    Giftcardmall.com sells $500 gift cards.

    ReplyReply
  26. shmo Says:
    26

    What about VGCs issued by Sunrise Banks?

    ReplyReply
  27. Benj Says:
    27

    I had a similar related question – I got $3500 for being voluntarily bumped off a delta flight. I’ve been trying to understand the best way to get cash for them. Can anyone advise? Can I take them to a post office and buy money orders? Any and all suggestions would be appreciated greatly.

    ReplyReply
  28. Sholom Says:
    28

    Do you get 1099 if you did 200 transactions a year?
    Any transaction or only loading?
    Is this the same in blubird and serve?

    ReplyReply
  29. shlomo Says:
    29

    thanks lee – do I have to ring up 2 at a shot ? or if I buy 10 it will work?

    ReplyReply
  30. Please explain Says:
    30

    @Dg Says:
    5
    May 6th, 2015 at 12:25 pm
    Just note that the it may trigger a tax problem with 200 transactions and over $40k in a yr.
    ReplyReply

    Can you please explain?

    ReplyReply
  31. Ben2 Says:
    31

    @ben will you wish to share your whereabouts? If it’s hard coded that’s impossible . Are you sure u used a credit card and not a debit?

    ReplyReply
  32. Anonymous Says:
    32

    @Ben: city and state please?

    ReplyReply
  33. @ben Says:
    33

    So you pay your credit card with the card? Trying to figure this out.

    ReplyReply
  34. Ben Says:
    34

    Used SPG. its a credit card. the point of my post was: it must not be hard coded. You may have to shop around but as of now there are target stores (In NJ) accepting credit cards.

    ReplyReply
  35. not so simple Says:
    35

    so you first have to run to an office depot store and purchase dozens of gift cards , then run to a target to cash them out and when you get home pay that one off & then you have to do this multiple times per month ………..yes , you can get miles, but you are spending so much time to get it . it may be YOUR full time job , but many others have a real full time job and families and wont allow for so much running around like this , unless you live next door to an office depot and target

    ReplyReply
  36. zow Says:
    36

    With all due respect to “Ben”, the preponderance of evidence indicates that Target is not allowing credit card loading effective today. Move along.

    ReplyReply
  37. Isaiah Says:
    37

    Will the $400 prepaid visa card at target work?
    it is only $6.95.

    ReplyReply
  38. Dan G Says:
    38

    Wow I just cancelled my serve card. Can it be reactivated?

    ReplyReply
  39. IN target Says:
    39

    Are there any gift cards in target that can be bought that would work?

    ReplyReply
  40. Eli Says:
    40

    Is it possible to load money from a tmobile prepaid debit card onto the red card? (ETF tmobile rebate)

    ReplyReply
  41. Jack Says:
    41

    I used VGCs issues by Sunrise Bank, VGC bought at Staples and VGC bought at Office Depit and all of them worked.

    ReplyReply
  42. MD Says:
    42

    doesnt their system specifically say that you cant load with a GC? the teller checked the person in front of me in line to see if his card was a GC.

    ReplyReply
  43. David R Says:
    43

    @not so simple: Read the post; you don’t have to run anywhere to buy gift cards.
    @Terrence: If you want to get 5 points per dollar with the ink card, you have to buy them at an office supply store. Do you know of one that will sell you a $500 card and let you pay with a credit card? Office Max and Staples only sell cards up to $200. Office Depot does not accept credit card payment for their $500 cards, but they do for their $200 cards.

    ReplyReply
  44. Terrence Says:
    44

    @David R: Just need to hit some spend thresholds for amex cards.
    What fees am I looking at?

    ReplyReply
  45. DG Says:
    45

    @Please explain:
    http://forums.dansdeals.com/index.php?topic=45709.0

    ReplyReply
  46. David R Says:
    46

    @Terrence: If you buy twenty five $200 Visa or MasterCard gift cards and pay a $6.95 fee for each one, you will have paid $173.75 in fees. If you paid with a Chase ink card, you will have earned 25868.75 Chase Ultimate Rewards points [(200 + 6.95) X 25 X 5].

    ReplyReply
  47. Terrence Says:
    47

    @David R: I don’t need to buy them specifically at office supply stores.
    I’m just lookking to buy anything that loads onto redcard (post memo) for the least amount of fees possible.
    What’s the cheapest GC out there and where do I pick it up?

    Thank you for your help.

    ReplyReply
  48. ohhh Says:
    48

    so cinco demaio commemorates the death of RD

    ReplyReply
  49. Sam Says:
    49

    DG
    The link says that there is no tax event by loading the RC. Can you please explain what you are referring to? Thanks.

    ReplyReply
  50. bg Says:
    50

    Which debit cards give points?

    ReplyReply
  51. Mike Says:
    51

    Yep, I am confused by the tax issue:
    “There is no tax event in loading your RedCard. Even if it was reportable, it would only get a 1099 if, in a year, you did more than 200 transaction AND gained more than $20,000.”

    $5k/month *12 = $60k
    $5k/month *12 = 25 *12 = 300 transaction (with $100s we are dealing now as most OM stores are out of $200 vgcs this is even worse :))

    Both criteria reached. What happens next?

    ReplyReply
  52. David R Says:
    52

    @Terrence: Are you an AAA member? If so, try an AAA office in the mid-Atlantic region during May or June. There’s no fee.

    ReplyReply
  53. Mike Says:
    53

    @David R:

    Are not those card traceable? Just do not go overboard..

    ReplyReply
  54. BW Says:
    54

    @Dan Can one use prepaid gift card (like Visa) to purchase a money order?

    ReplyReply
  55. Username Says:
    55

    While INK is the way to go, for those of you without INK, you can still get 6x points at Office Max. Using the United Mileage Plus X on a $200 spend will get you the 200 points on whatever CC is used. Plus another 800 points using the app. Plus another 200 points if you are a united cardholder.
    (linking the INK will not get an additional 5x, as its not catagorized as an office supply)

    And the points on United MileagePlus X are instant!

    ReplyReply
  56. myi Says:
    56

    does anyone know if u can use the serve or bluebird and reload a credit card to load a 1000 dollars or what ever amount to get the sign up bonus of spending 3,000 dollars in the first 3 mnths ?!~?! dan any sugestions ,does the serve still work or blue bird online help u towards bonus offers and without gaining points for the spending or gain ???? thyanks

    ReplyReply
  57. mh Says:
    57

    @notsosimple – right the whole idea of casing out giftcards at Family dollar or Target and using Credit card to load serve which still works if it is already linked in there via softcard – is to meet minimum spend – U have bills to pay a month say 5-10g that don’t take credit card u put gift cards in to serve and pay them thru there & then u get ur minimum spend done and u get ur 50k bonus and on to the next card –

    7-10 cards a year slow and steady and repeat the ones u can & on it goes.

    The idea of going crazy to load $,000 in gft cards to generate 25k in points when in half the time and effort u could have gotten a new 50k card – its ridiculous.

    The only ones who its worth it is if u don’t have or cant get many cards to get sign up bonuses and you want to get some points so u go crazy everymonth to generate 25-35k points – until u get shutdown or the system shuts down and now u r stuck with figuring out what to do next

    Slow and steady – approximately 50 cards over 5 years and around 4 million points 😉

    ReplyReply
  58. mh Says:
    58

    did $6,500 on serve this month no probleM

    Direct CC mastercard load $1,500 and then 10 giftcards of $500 each

    3 family dollar stores in my neighborhood. Pay my bills from serve for companies or payees that don’t take CC and a check is mailed.

    ReplyReply
  59. MH Says:
    59

    @notsosimple @david rDavid R Says:
    46
    May 6th, 2015 at 1:59 pm
    @Terrence: If you buy twenty five $200 Visa or MasterCard gift cards and pay a $6.95 fee for each one, you will have paid $173.75 in fees. If you paid with a Chase ink card, you will have earned 25868.75 Chase Ultimate Rewards points [(200 + 6.95) X 25 X 5].
    ReplyReply

    So for those of us not interested in 25!!!!! $200 Visa cards that after purchase need to be cashed out individually all to earn 25k in points we simply sign up for a card spend s few grand in it or use charge smart it 500 gift cards with family dollar and then on to the next card when we run out of cards to apply for we can start doing David’s way of 25 cards at 200 each!

    ReplyReply
  60. cm Says:
    60

    @Ben: where was the store you used to load it?

    ReplyReply
  61. MH Says:
    61

    I did 4 cards in the last 5 weeks 200k points

    $6500 serve / family dollar. Had enough running around so paid mortgage on cgargesmartand dud a quick spend on the PRG which only needed1,000 spend fir 50,000 points.

    ReplyReply
  62. Ben Says:
    62

    NJ

    ReplyReply
  63. sun365 Says:
    63

    @Wiz23:
    I just bought one on eBay for less than $10

    ReplyReply
  64. Dan Says:
    64

    @eric:
    Yes.

    @momo22:
    No.

    @DAN THE MAN:
    United.

    @hvaces42:
    $6K cap…would barely last a month for MS purposes.

    @BW:
    At some stores.

    @Username:
    You can’t officially buy GCs with a GC, so that won’t work.

    ReplyReply
  65. Reuben Says:
    65

    @reb yid: it does-last 4 are the easiest

    ReplyReply
  66. Dassy Says:
    66

    Can i buy $500 visa giftcard on giftcardmall.com online ?

    Any tricks ?

    Does Chase citi Amex treat this as a regular purchase ?

    Thanks in advance.

    ReplyReply
  67. sun365 Says:
    67

    How is the REDcard superior to Bluebird for cashing out gift cards?

    ReplyReply
  68. CtownBin Says:
    68

    @sun365:

    It isn’t really better anymore- the only advantage is that Target is WAY easier to deal with than Wal-Mart. But the truth is, Serve is now better than both of those, because there is still the $1,000 credit card load ($1,500 if you haven’t closed SoftServe, with the ability to still use ANY credit card not just AMEX) plus the ability to use AMEX Offers- which may seem like not much, but come SBS and it’s $150 per Serve card. So, Serve has all the advantages now and seems to be the way to go. Though REDcard was fun for a while…

    ReplyReply
  69. Or make 2xs as much Says:
    69

    @MH @notsosimple @david rDavid R Says
    Or you can do both types of spend…

    ReplyReply
  70. Please explain Says:
    70

    @CtownBin. What do you mean on SBS you get $150 I thought it was $30 (10×3)?

    ReplyReply
  71. FT Says:
    71

    @DAN THE MAN:
    I mean I get there are lots of newbies on this site,but less than 5 seconds of google searching or just common sense would give you the answer
    you have EWR which is hub to just one airline and the hint of nonstop so ots clear as water it has to be a Singapore Airlines 380 flying suites (not!)…

    ReplyReply
  72. shteig Says:
    72

    is it confirmed that they will not stop even visa gift cards?

    ReplyReply
  73. Anonymous Says:
    73

    @Please explain: Each Serve account can have 4 AUs. 5 x $30 = $150.

    ReplyReply
  74. yy Says:
    74

    @shteig: Obviously they can change the rules at any time, but I had no problem loading a VGC this evening in a Brooklyn store.

    ReplyReply
  75. Anonymous Says:
    75

    @Please explain:
    Serve allows a maximum 4 SubAccounts, plus the main card- that’s 5 cards total per Serve account. 5*30=$150.

    ReplyReply
  76. CtownBin Says:
    76

    @Please explain:
    Serve allows a maximum 4 SubAccounts, plus the main card- that’s 5 cards total per Serve account. 5*30=$150

    ReplyReply
  77. anon Says:
    77

    I went to Target in Jersey City, NJ this afternoon and their system is updated to longer take cc for Redcard.

    ReplyReply
  78. Anonymous Says:
    78

    @Dg: @BW:
    Yes

    ReplyReply
  79. Men Says:
    79

    So is Giftcardmall.com treated like cash advance on Amex?
    Thanks in advance!

    ReplyReply
  80. Sasha Says:
    80

    Can OVGC from CVS be loaded onto redcard anyone?

    ReplyReply
  81. Thor99 Says:
    81

    @anon: can u please confirm that since your answer is ambiguous. do you mean its working? I live near the area and tried yesterday morning and failed to load redbird thru cc.

    ReplyReply
  82. Me Says:
    82

    Do Amex gift cards work?

    ReplyReply
  83. Sam Says:
    83

    If you file taxes jointly with your spouse does the 40k limit apply to both of you together or each of you separately?

    ReplyReply
  84. sun365 Says:
    84

    Will MasterCard GC work as well? If so what would the PIN be? And will they work for Bluebird as well?
    thanks

    ReplyReply
  85. Jay Says:
    85

    How do I add money to my Prepaid REDcard Account?

    You can add money to your Prepaid REDcard Account in many convenient ways:

    Direct Deposit — an easy and free way to add all or part of your paycheck or government benefits check to your Account.
    Cash — a convenient way to immediately add cash to your Account.
    Free Cash Reloads at the Target register: Add cash for FREE at any Target location in the U.S.8 You can add as much as $1,000 or as little as $0.01 for FREE to your personalized card. Just give your Prepaid REDcard and cash to the cashier and your money is immediately added to your Card. It’s that easy!
    Bank Transfers — add money from any U.S. issued checking or savings account.
    Debit Cards — add money from your debit card at the register or by linking it to your Prepaid REDcard account online. Please note: Gift cards cannot be used to add money.

    it says this on the REDcard website. do some cashiers still allow you to load with a gift card even tho it says this?

    ReplyReply
  86. anon Says:
    86

    @Thor99. No, I went there to confirm Ben’s assertion that NJ Target stores haven’t caught up w/ the other Target stores, but I couldn’t load Redcard w/ cc.

    ReplyReply
  87. JG Says:
    87

    went to target junction in bklyn this morning with visa gift card. they did not allow reload to target red card

    ReplyReply
  88. question Says:
    88

    If I want to open a serve account does that mean I have to close my red card account !? And to load onto serve or red card is it allowed with using a visa gift card–the ones that staples sell for a 6.95 fee for 200$ ,or is there any place besides office depote meaning where I culd buy it online and have no fee involved?? and with having a serve card x5 how do I earn that with sbs !?

    ReplyReply
  89. question Says:
    89

    If I have a amex cc on file by serve and need to spend 3g will it work to get me my bonus offer of 100k , meaning does it show as a purchase cash advance !? And if it shows a cash advance is that good enough !? Please advise !!

    ReplyReply
  90. @dan Says:
    90

    @eric , dan u wrote back for eric yes , but I thought gift cards don’t work at target by ave h in brooklyn , is that true that it doesn’t work !? Or it works to load onto to serve a visa gift card!? Pls rply thnks

    ReplyReply
  91. Sharon Says:
    91

    @Terrence:

    If you can find PayPower Visa GCs, the fee is 3.95 and they can be loaded to Serve/BB/RB

    ReplyReply
  92. Greg Says:
    92

    Can someone please explain how to do split tender with gift cards?

    Thanks

    ReplyReply
  93. aaron Says:
    93

    @Greg: sure…lets say you have 2/$500 visa gift cards. You tell the cashier you want to load $1k on your redcard. you than tell her you would like to pay in two transactions of $500 each. she puts it in the system and you pay down the amount due that way. You can tell her you would like to split the tender is she will understand.

    ReplyReply
  94. Greg Says:
    94

    @aaron:

    Does she have to know anything special to split it up, especially since I am probably going to do $200 increments.

    ReplyReply
  95. Do you know? Says:
    95

    @aaron does this work when the cards are being loaded as debit cards?

    ReplyReply

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