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Can You Buy Gift Cards at Target with a Credit Card?
July 1, 2025
Quick Answer
Yes, Target accepts credit cards for the purchase of both its own and third-party gift cards, whether you are shopping in-store or online.
Should You Buy Gift Cards At Target With A Credit Card?
Here are the primary benefits and drawbacks to consider for this type of purchase.
Benefits
- Earning credit card rewards like points, miles, or cash back on the purchase.
- Helping you meet minimum spending requirements for a new card's sign-up bonus.
- The convenience of a cashless transaction.
Drawbacks
- Your card issuer might treat the purchase as a cash advance, incurring high fees.
- If you carry a balance, interest charges can quickly outweigh any rewards earned.
- The purchase may not qualify for rewards, as some card policies exclude gift cards.
How to Buy Gift Cards At Target With A Credit Card
Buying gift cards at Target with a credit card is a straightforward process. Following a few key steps can help you make the purchase smoothly and even maximize potential rewards.
Select Your Gift Cards. Start by choosing the gift cards you need. Target offers a wide selection, including its own store cards and third-party options for various retailers, restaurants, and services, available both in-store and online.
Choose the Right Credit Card. Before paying, consider which of your credit cards offers the best return for this type of purchase. If you're looking for a new card, a resource like the Kudos explore cards tool can help you compare options based on your needs.
Proceed to Checkout. Whether you're in-store or online, head to checkout with your chosen gift cards. Have your credit card ready to present to the cashier or to enter the payment details on the website.
Complete the Transaction. Finalize the purchase as you would any other retail transaction. It's wise to keep both the purchase receipt and the gift card activation slip for your records and to confirm the cards are active.
Impact On Your Credit Score
Using a credit card to purchase gift cards at Target can influence your credit score in a few key ways. Here are some important factors to consider before you make the purchase.
- Credit Utilization. This purchase increases your credit card balance and your credit utilization ratio. A higher ratio can negatively affect your score, so it's wise to keep your total balance low compared to your credit limit.
- Payment History. Paying off the balance on time will contribute positively to your payment history, a major factor in your score. A late or missed payment, however, can cause significant damage to your credit.
- Rewards and Perks. While earning credit card rewards on the purchase won't directly impact your score, it's a definite benefit. Just be mindful not to overspend simply to accumulate points or cash back.
Alternative Ways To Buy Gift Cards At Target
Using Target RedCard or Circle Rewards
For frequent shoppers, the Target RedCard debit card offers a direct way to purchase items, including gift cards, by linking to your checking account, thus avoiding credit. This method also provides a 5% discount on most purchases. Additionally, you can apply your accrued Target Circle earnings at checkout to pay for all or part of a gift card's value, effectively purchasing it without a direct monetary transaction.
Paying with Cash or a Standard Debit Card
The most straightforward alternative to using a credit card is to pay with cash or a standard debit card. This option is available for all in-store gift card purchases, whether at a regular checkout lane or the customer service desk. It’s a simple, direct transaction that requires no special accounts or settings, offering a clear method for those who prefer not to use credit for their purchases.
Choose the Right Card to Buy Gift Cards At Target
Finding the perfect credit card to maximize your rewards on Target gift card purchases can feel overwhelming, but it doesn't have to be. The Kudos Explore Tool simplifies the process by asking about your preferences—like cashback or travel points—and then provides personalized recommendations from a database of nearly 3,000 cards. You can compare your top choices side-by-side to make an informed decision and find the best credit cards for your spending habits.
If you want to get more from your credit cards, Kudos is the essential free shopping assistant for your browser. We're also giving you $20 back after your first eligible purchase—just sign-up for free with code “GET20” and buy from a Boost merchant.
Frequently Asked Questions
What types of gift cards can I buy with a credit card at Target?
You can purchase both Target gift cards and various third-party gift cards for other retailers and restaurants.
Are there fees for buying gift cards with a credit card?
No, Target does not charge any additional processing fees for gift card purchases made with a credit card.
Can I earn credit card rewards on gift card purchases?
Yes, most credit card reward programs count gift card purchases towards earning points, miles, or cash back.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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