Target Now Allows Split-Card Payments

Target updated their online checkout system to allow splitting your payment with two credit or debit cards.

Cool. Being able to split is always useful for optimizing credit card spend, e.g. finishing a quarterly category or other spend requirement, draining down a prepaid card, etc.

  • Split payment (credit/debit cards): Up to a total of two credit/debit tenders are accepted in one transaction. 

    • Split payments are accepted with Target GiftCard in one transaction.

    • Split payments are not accepted with SNAP EBT. 

       

Hat tip to reader Celia
    Chuck
  • On July 8, 2024, 21:43
Tags: target

View Comments (34)

  • My account has a Target Circle Bonus, "Make 1 qualifying purchase of $70 or more with your Target Circle Card to earn $10 in Target Circle Rewards". Anyone know if that'll be triggered by spending just $1 on the Target Circle Card (with the rest paid via GC or other credit card), or if it requires spending $70 on the Target Circle Card?

      • The current offer in my account is weird since it specifically says "with your Target Circle Card". I have done other offers in the past which didn't mention the card (I had a RedCard then too).

        A side note: if you get a $15 gift card for spending $50, that $15 is subtracted from the total that they look at for the "Make 1 qualifying purchase of $70" offer.

        • @guest_1872447 Interesting. P2 still has an active bonus and there isn't a mention of that, but also doesn't have a TC/Red card. I would hope they wouldn't restrict you. But there was another comment that said they didn't get the bonus and think they had a TC/Red card so maybe they are restricting card holders to use it. That could mean they'll start weeding out those of us without it.

          Yeah, that gift card thing bit me once, just once. :)

          • I tried paying for most of a $70 order with Target gift cards, and a small amount on my Target Circle Card, and it worked to trigger the $10 bonus rewards.

            I didn't redeem any Circle rewards on that order, since I wasn't sure if that would subtract from the total and not count as spending $70. Do you know what happens in that case?

          • Thank you for this update. Makes my spend $100 on circle card easy to pay mostly with giftcard and partly circle card.

            To answer your question, these promotions qualify oddly on the amount of the item and not amount paid. For example, in past, if an item was $50 there was a 10% off coupon for that item, the whole $50 would contribute to the total amount even if I paid $45. So, redeeming circle reward may work the same way. Can't guarantee though.

            I save my circle rewards for specific situations.

            1. Traveling to state with high taxes. Circle reward reduces pretax amount so tax is reduced too.
            2. If I have to redeem, make sure no tax free items are in the transaction. To expand on previous comment, you're losing out tax benefits. So, let's say I am buying cereal (no tax) and shoes (tax), I'd redeem reward on separate transaction for shoes only.

          • Discovered the same things you mention but I also don’t know if redeeming Circle rewards would lower the qualifying amount. I save them too for those 10% tax situations.

    • @guest_1872447 My offer was $10 bonus on a single $70 purchase. I don't have a Red Card, used gift cards to make a $75 purchase. Bonus completed.

  • Does anyone know which other common retailers allow this? I have a few prepaid cards I need to finish up. thakns

  • enjoy it while it lasts, they will stop this within a year once they realize peeps like us are charging 1 cent to the red card.

      • Majority of instore retailers can split transactions.

        Also, prepaid cards can be drained without stating specific amount or asking to split transaction. POS system is smart enough to know the balance on card and deduct that amount automatically.

        • I’ve had issues at some stores. At Sam’s, a cashier will do it if they know the exact amount and SCO won’t accept if not enough on it to cover. Used to be able to drain at Albertsons but now it’s limited to one drain and one complete purchase card. Some still are simple, just a test what works sometimes,

          • @guest_1873442 what is SCO? I used to finish mine at the local grocery store but now these guys dont even mail the physical card, they only send virtual card numbers and ask them to add to google or apple pay. I am not familiar with those payment methods. Tried using them at the same grocery store to drain the virtual card and nothing worked and I dont have the physical cards to use them directly. These companies are making everything way more painful for their own greed

  • If instacart does it, that would be gold. Imagine splitting it across two chase cards and paying only 5 bucks out of pocket.

    • Thanks for the idea! I only thought splitting would be useful for draining prepaid cards, but I didn't consider stacking two cards with special offers.

    • I think there is minimum amount since it sometimes doesn't show up for me. I usually go through Paypal to do it instead

  • Just tested out that you can charge a small amount like $1 to a redcard for the free shipping and put the rest on another card. Doing it this way you will forgo the 5% on most of the order but it will be useful when you have the category bonuses or SUB.

  • I was actually just googling this yesterday. Have a prepaid card that needs to be drained.

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