Saturday - Jan 16, 2021

How to Close Target REDcard? What Are The Other Options?

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Without this feature, REDcard will not be useful for meeting credit card minimum spends.

You may want to cancel the REDcard, unless you want to keep the REDcard for the 5% off retail purchases at Target and free shipping at


How to Close REDcard?


You can open the One VIP Serve account as soon as you close the REDcard. You should use the same details from REDcard, when you are signing up for the account (address, email, name etc..), otherwise your account may not be approved immediately.

Since you are using the same email from Target REDcard account, you will not be able to login to REDcard account. You may want to download the transactions/statements before closing the account.




  • Make the balance “Zero”. You could make a purchase, do a bill pay or withdraw from an ATM.




  • Go to Menu on the top right corner, and select “settings


  • Select the tab “Profile”



  • At the bottom, you will see an option to “Close Account


  • Provide a reason and confirm the cancellation



  • You will still be able to login for 90 days to access previous statements



What are the other options?

There are several variants of Serve available in the market, the best option would be to get Bluebird which does not have any monthly fee.

However, Bluebird does not give you the option of linking a credit card and allowing you to load “$200 per day, up to $1,000/month with an Amex credit card”.

If you rather want to have the option of loading with an Amex credit card, you may consider One VIP Serve card.  This card is very similar to the old serve, you can load with an Amex credit card and fee free loads at Wal-Mart. With this card, you also get ONE VIP Loyalty access.




Monthly fee is $1, however it can be avoided when you make a Direct Deposit of $500 or more. It looks like, you can add $500 or more in cash and get this fee waived (similar to old Serve). It is not very clear in terms & conditions, and it could change to a $500 Direct deposit requirement to waive the $1 Monthly fee.

Another advantage of this card is the access to Amex Offers, you can also link an Amex credit card and load $200 per day and $1,000 per month.





It is now confirmed that the Target REDcard will not accept Debit cards loads. You may want to cancel the REDcard, unless you value the 5% discount and free shipping at Target.

You may consider Bluebird – which has $0 monthly fee and will not have the option of linking credit card or One VIP Serve which has the option of linking credit card, but has a $1 monthly fee. This fee can be waived with a $500 or more monthly Direct deposit.


Disclaimer:  Links mentioned in this post do not earn us any commission.

Editorial Note: Opinions, analysis and any calculations shown are authors alone. Information in this post is not reviewed, approved and endorsed by any airlines, frequent flyer programs or financial institution

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