Sell Target Gift Cards in Nigeria: Rates & Payout

A $100 Target gift card pays ₦78,433 in Nigeria today. That's the floor of Target's row on the GiftCash NG rates table, and it's the figure worth holding onto if the card in your drawer is never going to see a checkout lane in Ohio.

Target cards reach Nigeria the same way most US retail cards do. An aunt in Houston sends one at Christmas. A giveaway lands in your inbox. Somebody who owed you a favour pays in plastic instead of cash. Target runs no stores here, so the balance just sits until you clear it for a bank transfer.

Here's what it's worth, then how to turn it into naira without getting burned.

What a $100 Target card pays in naira today

Open the rates page and leave the country on Nigeria. Target gets a single row, quoted in USD:

Divide the ceiling by its face value and you get ₦784.33 per dollar. The floor gives the same figure. Target's band is flat across its whole range, so that maths holds anywhere between $100 and $500.

Watch the edges. Target's row opens at $100. A $50 card doesn't show up on the table at all, so don't bank on a quote until you've asked support. Holding a small Target card? Sell it alongside a bigger one. The naira calculator runs the same division if you'd rather not do it by hand.

Keep two kinds of number apart while you read this. The $100 and $500 lines are the platform's own published figures. The $200 line is arithmetic from ₦784.33. Confirm on the live page before quoting anyone.

Your slice of the official dollar rate

Nigeria's rates page publishes a reference line. It reads 1 USD = ₦1,329 right now. That hands you a second number most sellers never work out: how much of the official dollar rate a card actually returns.

Target lands at 59.0%. That's ₦13.29 a dollar above eBay and ₦132.94 above Amazon. Thin margins per dollar, but they stack quickly once the face value climbs.

At $200 of face value Target pays ₦156,866. The same $200 as an eBay card pays ₦154,207. The same $200 as an Amazon card pays ₦130,279. So a card that sellers routinely ignore beats two of the names they reach for first. The gap over Amazon on one $200 card is ₦26,588.

Why Target sits above eBay and Amazon

The payout tracks how wide the resale market is. A Target balance buys groceries, clothing, homeware and electronics from a chain a US buyer walks into every week, so it's easy to move on. Amazon and eBay balances are the two most common codes on the planet, and every seller with a drawer full of plastic is trying to shift them at the same time. Supply beats demand, so the price drops. On today's table that pattern shows up as a ₦132.94 gap per dollar between Target and Amazon.

If you want the fuller version of that argument, the rate explainer walks through why US-issued cards hold value on this side of the Atlantic in the first place.

One warning about comparing markets. Ghana has its own Target row in cedis, and it isn't a conversion of the naira one. The two tables are priced separately. If your card is meant for Accra rather than Lagos, read the Ghana Target guide instead.

From code to naira: what to have ready first

Sort these four things out before you open the selling page:

• The code, unscratched, plus a clear photo of the back of the card. Daylight, flat on a table, no thumb over the digits.
• The face value and the currency printed on it. The Nigeria table quotes Target in USD only, so a card bought elsewhere may not clear.
• Your own Nigerian bank account in your own name. The payout lands there.
• An unused card. Check the balance before you sell, because a card someone already partly spent gets refused. The balance check walkthrough shows how to read it.

That last point causes most of the arguments. A Target balance lives in a US account and can't be moved into a Nigerian one. Its only value to you is the code. Redeem it for something you can't ship here and you've turned ₦78,433 into nothing.

Then the sale itself runs in four steps:

1. Open the Target card page and enter the face value with USD as the currency.
2. Upload the code, or a photo of the card. Leave the scratch panel intact.
3. Read the quote before you confirm. It comes off the same row you divided by 500 a minute ago, so an error shows up inside a few naira.
4. Enter your bank details exactly as your bank spells them, then send. Verification runs first. GiftCash NG quotes 15 to 30 minutes once it clears.

First sale? Start with your smallest card. The first payout takes longer because that's when the account gets verified, and a small number is easier to watch.

What gets a Target card rejected

• Already redeemed. The commonest one, and permanent. Once the balance sits on a Target account there's nothing left to sell.
• Partial balance. $30 left on a $100 card gets refused.
• Wrong region. A card that isn't US-issued won't clear against a USD row.
• A photo nobody can read. Glare and fingerprints hide digits better than you'd think.

Now the two offers that were never real. The first is the overpay. Someone offers ₦95,000 for your $100 Target code when the published rate is ₦78,433. That extra ₦16,567 is bait, and the script that follows is always the same: send the code first, settle after. There is no settle after.

The second is the transfer alert. A buyer sends a bank alert screenshot, all official looking, and asks for the code. Check your own account balance, not their image. A screenshot costs nothing to produce. Our fake card guide covers the rest of the playbook.

Both come down to one rule: you never pay to sell a card, and you never send a code before the naira is in your own account.

Check the rate before you send the code

Every figure above comes from a GiftCash NG rates snapshot taken on 29 September 2026 at 20:45 CST, Nigeria view. The number that counts is the one on screen when you press send. Rates here move daily.

Before your next sale, do the division yourself. Open the rates page, stay on Nigeria, find the Target row, and divide ₦392,166 by 500. Hold that number. If an offer comes in below it, walk away. If it comes in well above it, walk faster.

Ready to move the card? Start at Target. Clearing a drawer instead? The eBay guide and the Best Buy guide cover two cards that pay less per dollar than this one, the Macy's guide covers one that pays more, the Amazon guide covers the card sellers reach for first, and the Lagos payout walkthrough handles the bank side.