Can I pay with multiple cards at Target? [2025 Guide]

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Graphic with a pink card icon and the Target logo, showing the text: How to use multiple cards in a single transaction at Target. Features a green 'Split' ticket and a red 'Split Payment' badge.

Target is a one-stop shop for everything from groceries to home decor, making it a favorite among shoppers. And when it comes to paying for your purchases, Target is actually one of the few retailers that allows you to split a payment between two credit or debit cards, both in-store and on Target.com. This flexibility is great, but what if you want to use more than two cards?

That’s where Kasheesh comes in, offering a seamless way to split payments across up to five cards in a single transaction. Whether you’re managing your account balances, trying to maximize credit card rewards across multiple cards, or want to combine prepaid gift card balances with credit or debit cards, Kasheesh takes payment flexibility to the next level.

Let’s dive into how Target’s payment system works, when two cards might not be enough, and how Kasheesh solves this problem.

How Target’s payment policy works

Target’s checkout system allows you to split your payment between two cards (credit or debit) or combine a single card with a Target Gift Card. Here’s how it works:

  • In-store: You can use two cards to split your payment or combine a card with a Target Gift Card during checkout.

  • Online: Target.com also allows you to split your payment between two cards or one card and a Target Gift Card.

This is a helpful feature for those who want to divide their payment, but there are scenarios where two cards just aren’t enough.

When two cards might not be enough

While Target’s split-payment option is convenient, there are times when you might need even more flexibility. For example:

  • Balancing budgets across accounts: You’re managing an extra tight budget, or very low credit limits, and need to distribute the payment across three or more accounts or cards.

  • Using leftover balances on prepaid gift cards: You have several prepaid gift cards with small balances that you’d like to combine into a single transaction.

In these situations, Kasheesh provides a simple, effective solution.

How to split Target purchases across up to 5 cards

Kasheesh is a third-party payment platform that enables you to split your payment across up to five cards—credit, debit, and/or prepaid gift cards. By generating a virtual debit card, Kasheesh combines the balances of your selected cards into one digital payment method, making it easy to complete your Target purchases.

A Step-by-Step Guide:

  1. Sign up for Kasheesh: Start by creating a free Kasheesh account. It’s quick, secure, and easy to link your payment methods.

  2. Select your cards: Choose up to five cards to split the payment between. This can include a mix of credit cards, debit cards, and prepaid gift cards (such as VISA, Mastercard, or AMEX gift cards).

  3. Generate a virtual card: Kasheesh creates a digital Mastercard debit card that combines your selected cards into a single payment method, working its magic behind the scenes.

  4. Complete your Target purchase: At Target’s checkout, enter the virtual card details. Whether you’re shopping in-store (e.g. paying with Apple Pay or Google Pay), online, or on the Target app, Target processes the virtual card as a single payment, while Kasheesh splits the cost across your underlying cards in real time.

Why Kasheesh is the ultimate solution for Target shoppers

Here’s why Kasheesh is a game-changer when Target’s two-card limit isn’t enough:

  • Split large costs across more cards: Use up to five cards, far exceeding Target’s two-card policy.

  • Maximize rewards: Hit minimum spending limits to secure sign up bonuses across multiple credit cards all during a single transaction.

  • Combine multiple prepaid gift cards: Easily use small balances from multiple prepaid VISA / AMEX / Mastercard gift cards in one purchase.

When you need more flexibility, Kasheesh has you covered

Target’s two-card split payment option is a fantastic feature, but sometimes you need more flexibility. That’s where Kasheesh comes in. By letting you combine up to five cards into a single virtual card, Kasheesh empowers you to pay for your purchases your way—whether you’re managing your budget, maximizing rewards, or pooling resources with friends or family.

And it’s not just for shopping at Target—Kasheesh works anywhere Mastercard is accepted. While the service can definitely come in handy at Target, it proves even more useful at other retailers that don’t support split purchases at all, such as Amazon, Best Buy, or Walmart.

Sign up for Kasheesh now and simplify your checkout experience at Target and beyond:
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FAQ

Can I pay with two credit cards at Target?

Yes, Target allows you to split payments between two cards (or a credit card and a Target Gift Card), both in-store and online.

Can I pay with multiple credit cards at Target?

For purchases requiring more than two cards, Kasheesh lets you combine up to five payment methods for a single transaction at Target and thousands of other online retailers.

Is Kasheesh secure to use?

Absolutely. Kasheesh uses encrypted technology to create secure virtual cards, ensuring your financial information is protected.

Disclaimer: Kasheesh is in no way affiliated with the company referenced in this material. All product names, logos, and brands are the property of their respective owners. All company, product, and service marks used in this website are for identification purposes only. Use of these names, logos, and brands does not imply endorsement. The information in this blog post is accurate as of [date of publication] and is subject to change. We do our best to keep our content updated, but we encourage readers to verify any critical details independently, as merchants’ policies and payment options may change over time.

Disclosure: Kasheesh is a financial technology company, not a bank. Banking services provided by Bangor Savings Bank, Member FDIC. Kasheesh's Mastercard® Pre-paid and debit cards are issued by Bangor Savings Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circle design is a trademark of Mastercard International Incorporated. Spend anywhere Mastercard is accepted.

The content on this blog is for general information purposes only, and is not intended to be personal financial advice. It does not take your individual circumstances and financial situation into account, and any reliance you place on the information is at your own risk.
Let's see how much your budget
needs Kasheesh
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Term
Capital
Visit Glossary
Meaning
The value of personal items that one owns, including savings, investments, and property. One of three factors in credit scoring
Visit Glossary
You’re not using Kasheesh yet?
Join the Waitlist
No items found.
Let's see how much your budget
needs Kasheesh
Take a quiz
Term
Capital
Visit Glossary
Meaning
The value of personal items that one owns, including savings, investments, and property. One of three factors in credit scoring
Visit Glossary
You’re not using Kasheesh yet?
Join the Waitlist
No items found.
Let's see how much your budget
needs Kasheesh
Take a quiz
Term
Capital
Visit Glossary
Meaning
The value of personal items that one owns, including savings, investments, and property. One of three factors in credit scoring
Visit Glossary
You’re not using Kasheesh yet?
Join the Waitlist
No items found.
Let's see how much your budget
needs Kasheesh
Take a quiz
Term
Capital
Visit Glossary
Meaning
The value of personal items that one owns, including savings, investments, and property. One of three factors in credit scoring
Visit Glossary
You’re not using Kasheesh yet?
Join the Waitlist
No items found.
Not using Kasheesh yet?
You’re not using
Kasheesh yet?
Join Kasheesh Today!