Monthly Archives: March 2015

Target RedCard Primer for Newbies – how to Manufacture Spending for Points

UPDATE:  This is, unfortunately, no longer available.

It seems that lately a lot of people have asked me about how Blogger Hubby and I are able to travel as we do.  Between credit card sign-ups, shopping through credit card shopping portals  and knowing bonus categories for each of our cards we do pretty well.

I do like to make sure we have enough points by doing what is known as manufactured spending (MS).  The Target Prepaid  Redcard (pictured below), affectionately called Redbird certainly helps us and it can help you to travel the world for almost free by racking up frequent flyer points/hotel points.  It is so easy and I often wonder why more people don’t do it.  Really, it’s that easy.  In addition, when you use it at a Target for purchases, you get an automatic 5% off your total.  That’s a WIN – WIN proposition for me.


Get the right card – Target has several cards (credit card, debit card) but the one you want may not be in YOUR Target as it is still be tested in several markets throughout the country.  It has to look just like the one pictured below.

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Locating – To find the nearest Target to you that sells the Prepaid Redcard, please refer to this map.  If there isn’t one near you, you might be able to purchase one on Ebay or find a friend who does live near a store that sells them and have them get a card for you.  You can load them at any Target store even stores that do not sell them.  I have heard that you cannot load them  in North Carolina if the store does not sell them but I have no personal experience.  If you look at the map you’ll see that there are several Targets in  North Carolina that do sell them.

Purchasing – When you go to Target you are purchasing a temporary card.  In purchasing it, you need to activate it at the store.  The register will ask for your social security number and you can put yours in or a fake number – at this point it doesn’t matter but it will later on.  You should load it with some money – either cash, debit card or credit card.  Even though it says you can only load it with cash, you CAN load it with a credit card, debit card, VISA or MasterCard gift card or cash.  When you load it with your credit card, you are earning points on that card.   You will not be able to reload till you have registered it online though can can reload once registered but before your permanent card arrives in about a week.

Loading your Redcard – I use either a SunTrust debit card which gives me Delta points; any of the Chase cards that I have which give me hotel or airline points; and any of my American Express cards where I can earn Membership Reward points.  I find that I’m using my American Express SPG (Starwood) card more frequently because  I can get Starwood status based on my spending and their points are very valuable.  I have also used VISA or MC  gift cards that I have purchased at grocery stores (where I get 5 x points with certain cards).  With some gift cards I have to set a pin first though with others I just make one up the first time I use it.  You can always call the number on the back of the card to change a pin if you want to.   HINT:  you might want to let your credit card know that you will be making a large purchase at Target otherwise it might trigger a fraud alert.  If, when you try to load money on your credit card, it gets declined, wait a minute and see if you get a text message from your card asking you if this is your purchase.  There is no fee to load money onto your card.


Registering your card on your computer – You cannot register a Prepaid Redcard if you have an active Bluebird or Serve account.  They must be closed first.  You are allowed one Prepaid Redcard account per social security number.  At this point you will need to go to a computer and register your card on the website.  Here is the link for it.  You must use your social security number – no fat fingers allowed.  You and your spouse can each have one and your children can have one in their names as well.

Lately a lot of information has come out as to how to use and load your Redcard.  Previously I was loading about $1000 per visit but then it was suggested that I do odd amounts so that it wouldn’t look suspicious as to what I was doing.  Now I am loading $912.56 or $869.44.  It was also suggested to not just pay your credit card bill that you used to load your card with online but use it for other purchases.  Now when I go out, I’ll use this card as a debit card and pay for my small purchases.

ATM – Lastly, it was also suggested to use the card at an ATM.  That I hadn’t done but was successful in doing it today.  Yesterday I tried using it at my bank and it kept failing.  I wasn’t sure if I wanted the withdrawal from my credit card or checking account.  I tried both and it still failed.  Last night I did a little research and found that I could only do it at Allpoint ATM’s.  There is no fee to use the Allpoint ATM machine.  I found where they were located and one was in the 7/11 near my home.  When I walked in the ATM said it was Citibank – didn’t see anything that indicated that it was Allpoint.  Nevertheless, I inserted the Redcard, typed in my PIN, indicated that it was coming from a checking account and put in the amount that I wanted to withdraw.  Again, no fee.

Fees and Limits – For a list of all the load and withdrawal amounts, please follow this link.  You find out how much you can load per day/per month as well as withdrawing.

Remember the family that loads their Redcards together,  flies together!

If you have any questions, please feel free to ask them.  I’ll do my best to try and answer them