No need to trash a half-used balance. Follow these quick scripts to combine your Target Gift Card with cash, debit, or RedCard—in store and online.
1. In-Store Split Payment (3-Line Script)
- Check balance first on MyBalanceNow (or the IVR line).
- At checkout say:
“Please apply$12.34from my gift card first.” - Cashier keys in
$12.34 ▸ Gift Card; you swipe/scan the card. - Pay the remaining total with any other accepted method.
Tip: Self-checkout works the same—tap Gift Card, enter the exact amount, scan the barcode.
2. Online Split Payment on Target.com
- Add items to cart → Checkout.
- Under Payment choose Add Gift Card.
- Enter card number + CVV → Apply.
- Target subtracts the balance; remaining amount refreshes.
- Select a second method (RedCard, debit, PayPal) → Place Order.
Mobile app identical: Wallet → Add gift card first, then another payment type.
3. Real-Life Scenarios
| Balance | Cart Total | What to Do |
|---|---|---|
| $5.00 | $7.49 | Tell cashier “Apply $5.00 Gift Card”; pay $2.49 with cash. |
| $18.22 | $64.70 | Apply $18.22 Gift Card; swipe RedCard for rest (5 % off remaining). |
| $0.83 | $2.19 (drink) | Self-checkout → Gift Card $0.83 → insert debit for $1.36. |
| $42.10 | $42.10 | One swipe—no split needed 🎉 |
Split-Payment FAQ
What if the cashier tries to swipe the card without entering an amount?
The register will decline if balance < total. Politely ask them to key in the amount first—Target POS supports it.
Can I split between two gift cards and a debit card?
Yes, but tell the cashier both gift-card balances upfront. Register handles multiple splits.
Does split payment work at self-checkout with RedCard?
Yes—scan gift-card barcode, enter amount manually, then insert/tap RedCard.
Can I use PayPal as the second payment online?
Absolutely. Add the gift card first, then choose PayPal during the same checkout.
Is there a minimum remaining balance required to split?
No. Even a $0.01 balance can be applied by typing 0.01 before swiping.
Still confused? Watch our 45-second demo video or call Guest Services at 1-800-698-4952.
Independent fan-run guide; not affiliated with Target Corporation or the official MyBalanceNow service. All trademarks belong to their respective owners. Last reviewed 16 June 2025.
