You can use an American Express card at Target. But if you’re a frequent Target shopper, you may get more value on your purchases with the Target RED card. You’ll get a 5% discount off your total in-store or online purchase amount. That does not include pharmacy items and gift cards. While some Amex cards such as Blue Cash Preferred offer 6% cash back on grocery purchases, that does not apply to “big box” retailers such as Target and Walmart. The highest cash back rate Amex gives on all purchases is 1.5% with the Cash Magnet card.
In addition, the Target RED card is easier to get than any American Express card. You’ll only need fair credit (score of 640) to qualify, whereas all American Express cards require at least good credit (score of 700) or better. The RED Card also offers free 2-day shipping on Target.com purchases and a 30-day extension on returns. And there’s a 24.40% (V) annual fee.
There are some downsides, though. There are no initial bonuses or introductory APRs, and you can only use the card for Target and Target.com purchases.
Target accepts American Express cards at its stores and on target.com. Customers can pay for purchases with the Target RED Card and credit cards from Mastercard, Discover and Visa, too. Target stores will also take cash, debit cards, personal checks and gift cards. In addition, they’ll accept mobile payments such as Apple Pay, Google Pay or any other digital wallet. Online shoppers can also use PayPal to make purchases on Target.com.
Target will also take the co-branded Target Mastercard, which is no longer accepting new applicants. But it will not accept the prepaid American Express REDcard. Target discontinued that card in August 2018.
There are a number of payment types not accepted at Target. Those include money orders (except as payment on a Target credit account), business checks, and foreign checks and currency. Some Target stores may accept Canadian dollars or Mexican pesos, depending on the store’s location.
American Express is accepted at 8.5 million merchant locations in the U.S. and in 160+ countries and territories abroad. Aside from the U.S., the countries where American Express is accepted most include Canada, Australia, the UK, India and Mexico.
Most major retailers in the U.S. accept American Express. And Amex even reports that it added more than 1.5 million U.S. merchant locations in 2017 alone. The biggest exception is Costco, which only accepts Visa cards now, after switching from Amex only in 2016. … read full answer
So an American Express card is enough for your shopping within the U.S. Though you may find some stores that don’t take it, the majority will. If you’re planning to travel abroad, you’ll probably want to have a no foreign transaction fee Visa or Mastercard, at least as backup. Those networks are accepted in over 200 countries and territories.
American Express is accepted in more than 160 countries and territories internationally. That includes all the members of the United Nations, except for those under U.S. sanctions. Amex cards are more widely accepted in some international destinations than others, though. It should be pretty easy to find merchants that take American Express cards in Australia, Canada, Mexico and India, for example. But it will be much tougher in smaller countries that aren’t known for doing business with the U.S. or attracting American tourists. … read full answer
Overall, American Express credit cards and prepaid cards aren’t nearly as widely accepted internationally as cards that belong to the three other major U.S. card networks: Visa, Mastercard and Discover. Discover is accepted in 185 countries and territories. Visa is accepted in 200+ countries and territories. And Mastercard works in 210+. So you should probably bring a Visa or Mastercard credit card with no foreign transaction fee when you travel abroad, at least as a backup to your Amex.
On that note, it’s worth mentioning that some American Express credit cards will cost you more to use internationally than others. Several American Express credit cards have no foreign transaction fee. Others charge 2.7% of every international purchase.
The best American Express credit cards for international travel are the Starwood Preferred Guest and Gold Delta SkyMiles® cards. Both offer great travel rewards, including nice initial spending bonuses. Neither charges foreign transaction fees. And Amex waives their annual fees the first year your account is open.
You may also want to consider the USAA Rewards American Express Card, which is the best credit card on the Amex network for other types of international perks. It gives you very good travel insurance coverage, for example. And you can even get financial assistance for emergencies while you’re out of the country. You don’t have to worry about paying a foreign fee or an annual fee, either.
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