Target Visa Gift Card: Activating and Spending Money

You just received a birthday card in the mail containing a brand new Target Visa gift card. You might be thrilled with the prospect of purchasing that new phone case or the latest book hot off the press. However, many people are still a little confused about where exactly they can spend these gift cards. 

Target Visa gift cards can be used anywhere Visa payments are accepted. You will need to activate the card by calling the number on the sticker on the back of the card. The PIN should also be available on the back of the card. If you are purchasing a card, be aware that you will face extra fees. 

If you are ready to start spending, here is everything you need to know about these cards. 

Where Can I Use My Target Visa Gift Card? 

Many people are confused about where they can spend the money they receive on a Target Visa gift card. It comes emblazoned with the red circles associated with the mega-retailer on the front. Does this mean that you can only spend your gift card at a Target location? No, here's why.

The best part of using a Target Visa gift card is the flexibility it offers for those who want to spend it. Gift cards marked with the Visa name are eligible to spend at any merchant who accepts Visa payments. 

In other words, you can spend these gift cards at other retailers apart from just Target. 

Visa Gift card

All you have to do is swipe your card at the retailer of your choice. You will sign the receipt, marking the transaction as complete. Spending money on this Target Visa is just as simple as paying with your debit card. 

You can even use it to make online purchases. If you want to use it at Target.com, you will simply enter the card details as a credit card payment. You will also need the CVV code from the back to process an online transaction this way. 

There are some exceptions to how you can access your money though. For example, you cannot use the gift card for cash advances or any ATM transactions. You cannot use these gift cards at casinos.

How Do I Activate My Card? 

When you receive your Target Visa gift card, you need to activate it before you can begin to spend it. Fortunately, this will take just a few minutes of your time. You can do this at any time day or night as it is an automated process. 

Take your gift card out of its packaging. A sticker is usually attached to the front of the card. This sticker lists a phone number that you will need to call to activate your card. If the sticker is missing, there should also be a phone number listed on the back of the card. 

This will direct you to an automated system that allows you to activate your card. You will enter the account number and the verification number (the three-digit code on the back of the card) using the keypad on your phone. 

If you have other gift cards to activate, be sure to check out this guide on how to activate a Vanilla gift card.

Where is the PIN on a Visa Gift Card? 

Before you can start spending your money, you need to make sure you have the PIN to your new gift card. Setting a PIN is a relatively easy process, but you will need to make sure to select a number that you remember. You might want to set it to the same PIN as you use on your debit card to make it easy to remember. 

With the Visa gift card, you will set the PIN the first time you use the card to make a transaction. Swipe the card at the register and it will prompt you to choose whether you want to use it as credit or debit. 

If you select credit, you will sign for the purchase. PIN is not required for credit transactions.

For those who would prefer to use it as debit, this is where you can set the PIN. Select the debit option and it will prompt you to to enter a PIN. This is where you set the number you would like to use. 

Enter whatever four-digit PIN you would like to use. Consider writing it down when you finish so that you don’t forget. This PIN will then be tied to the card moving forward. 

How Do I Check the Balance on My Target Visa Gift Card? 

The easiest way to check the balance on your gift card is to call the number on the back of the card. This will direct you to an automated service that will be able to assist you with determining the balance of the card. You will need the gift card number (16 digits) and the PIN on the back (4 digits). 

If you cannot locate the phone number on the back of the card, try dialing (866) 511-GIFT. 

You can also check your balance through the Visa gift card website. Follow these steps: 

  1. In the upper right-hand corner is a drop-down menu. Click here and select “Check Balance/Transactions.” 
  2. Enter the details it asks for including the card number, expiration date, and three-digit code off the back (CVV2). 
  3. Click “Submit.”

This should display your recent transactions and the balance on your card. 

How Much is a Target Visa Gift Card? 

Most people who purchase a gift card pay just for the amount they wish to give to the other person. For example, a $25 gift card costs just that — $25. There are extra fees to pay if you wish to give a Visa gift card. 

Target Visa Gift Card

These fees will vary based on how much you wish to give. Here is a breakdown of what you can expect to pay for the most common denominations:  

  • $25 + $4 fee
  • $50 + $5 fee
  • $100 + $6 fee
  • $200 + $6 fee

Making the Most of Your Purchase

A Target Visa gift card is a flexible way to give a gift to someone you love. They may spend money at their favorite local Target or anywhere that accepts Visa cards. Follow some of these tips if you need to know how to check your balance or how much you’ll spend on one of these cards!