Both tools handle Target Gift Cards, but they solve different problems. This playbook helps you choose the right starting point—and shows how they work perfectly together.
Need to check your balance in 30 seconds? Jump straight to MyBalanceNow.
Feature-by-Feature Comparison (2025)
| Target Wallet (App) | MyBalanceNow (Web) | |
|---|---|---|
| Balance lookup | Auto-sync | Manual (30 s) |
| Reload gift card | Yes • Apple/Google Pay, RedCard | Yes • Debit/credit |
| Freeze lost card | No | Yes |
| Replace card | Link to phone support | Request online + phone |
| Use at checkout | App barcode or NFC | Physical swipe / online code |
| Sees pending gas holds | No | Yes |
| Requires login? | Target account | Gift-card digits only |
| Works offline? | No | IVR phone fallback |
60-Second Decision Flow
- Need a barcode to pay in store? → start with Target Wallet.
- Card lost / damaged / expired? → open MyBalanceNow to freeze + replace.
- Just curious about current balance? → either works, but MyBalanceNow is faster.
- Want RedCard 5 % off a reload? → reload in Target Wallet, then confirm balance in MyBalanceNow.
When Wallet Wins
- Daily in-store shopper—barcode ready to tap.
- Reload on the go with Apple Pay / Google Pay.
- Stack RedCard 5 % + Circle offers in one scan.
When MyBalanceNow Wins
- Offline IVR fallback (no data/Wi-Fi).
- Freeze or unfreeze lost cards.
- Check pending gas-pump holds & expiry.
Quick FAQ
Do I need two separate logins?
Wallet uses your Target.com account; MyBalanceNow only needs the card digits.
Will Wallet show real-time balance after I reload?
Yes—balance updates within 10 seconds of a successful reload.
Can I add a frozen card into Wallet?
Yes, but it will decline at checkout until you unfreeze it at MyBalanceNow.
Is there any fee for using either tool?
No. Both are free—Target earns profit when you spend, not for account access.
Bottom line: use Wallet for speed at the register, and MyBalanceNow for full control. Together they give you 100 % coverage of every gift-card scenario.
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.
