If you’ve ever wondered whether you can pay with a $100 bill at Target, you’re not alone. Many people have this question when doing their shopping and want to know Target’s policy on large bills before heading to the checkout lane.

If you’re short on time, here’s a quick answer to your question: Yes, Target does accept $100 bills as payment in their stores. However, there are some caveats and things to keep in mind when paying with large denominations at Target which we’ll cover in detail throughout this article.

Target’s Official Policy on Accepting $100 Bills

When it comes to accepting $100 bills, Target has an official policy in place. The retail giant does accept $100 bills at their checkout counters. This means that you can use a $100 bill to pay for your purchases at Target without any issues.

If you prefer to use cash instead of credit or debit cards, you can rest assured that your $100 bill will be accepted.

But cashiers have the right to reject damaged bills

While Target generally accepts $100 bills, it’s important to note that individual cashiers have the right to reject damaged bills. If a $100 bill is torn, defaced, or in any way compromised, the cashier may refuse to accept it.

This is because damaged bills can cause complications during the cash counting process and may not be accepted by the bank. So, it’s always a good idea to ensure that your $100 bill is in good condition before using it at Target.

And may reject large bills based on the amount of change available

In addition to damaged bills, cashiers at Target may also reject $100 bills based on the amount of change available at their register. This is to ensure that they have enough smaller bills and coins to provide change to other customers.

So, if a cashier is low on change or if they anticipate running out of smaller bills, they may politely decline a $100 bill and ask for an alternative form of payment.

It’s important to note that these policies may vary slightly from one Target store to another. So, it’s always a good idea to contact your local Target store or visit their official website www.target.com to get the most up-to-date information regarding their policies on accepting $100 bills.

Why Large Bills Like $100s May Be Rejected

Have you ever wondered why some stores, including Target, may not accept $100 bills? Here are a few reasons why:

Cashiers have limited cash in their drawers

One of the main reasons why cashiers may hesitate to accept large bills such as $100s is because they typically have limited cash in their drawers. Cashiers need to have enough change to provide to customers for smaller denominations, and accepting a $100 bill can quickly deplete their cash reserves.

According to a survey conducted by the National Retail Federation, about 40% of retailers reported that they limit the amount of cash available in each register to prevent theft and ensure efficient cash management.

This practice helps to reduce the risk of losing a large amount of money in case of a robbery.

Accepting big bills depletes their change quickly

Accepting large bills like $100s can also create a challenge for cashiers in terms of managing their change. When customers pay with a $100 bill for a small purchase, it often results in a significant amount of change being given back.

This can quickly deplete the amount of change available in the cash register, making it difficult for cashiers to provide change for subsequent customers.

Smaller bills and coins are more commonly used for daily transactions, and most cashiers are prepared to handle these denominations. However, when faced with a $100 bill, cashiers may have to scramble to find enough change, causing delays and potential frustration for both the cashier and the customer.

Managers can approve large bills if cashiers lack funds

In some cases, if a cashier does not have enough funds to provide change for a $100 bill, they may seek approval from a manager. Managers often have access to larger amounts of cash or the ability to open a new cash drawer, allowing them to provide change for customers paying with large bills.

It’s important to note that while some stores, including Target, may have policies in place regarding the acceptance of large bills, these policies can vary from store to store. Some stores may have more lenient policies, while others may have stricter rules in place.

Ultimately, the decision to accept or reject a $100 bill lies with the individual store and its employees. If you plan on paying with a $100 bill, it’s always a good idea to check with the cashier beforehand to ensure they are able to provide change.

Tips for Paying with $100 Bills at Target

If you find yourself with a $100 bill and need to make a purchase at Target, there are a few tips you can follow to ensure a smooth transaction. While Target does accept $100 bills, there are some considerations to keep in mind.

Pay early in the day when more change is available

One of the best times to use a $100 bill at Target is early in the day when the store has just opened. This is when the cash registers are typically well-stocked with change. By paying early in the day, you increase your chances of being able to break your $100 bill without any issues.

It’s important to note that as the day goes on and more customers make purchases, the availability of change may decrease. This is why paying early in the day is recommended to avoid any potential inconvenience.

Break your $100 at customer service before shopping

If you’re planning to make a larger purchase at Target and only have a $100 bill, it’s a good idea to break it at the customer service desk before you start shopping. Customer service often has a good supply of smaller bills and can provide you with the change you need.

This strategy can save you time and ensure that you have the necessary change when you reach the checkout counter. Plus, it allows you to avoid any potential confusion or delays that may arise if you try to pay with a large bill directly at the register.

Use a debit or credit card instead when possible

If you have the option, using a debit or credit card is a convenient alternative to paying with a $100 bill at Target. Not only does it eliminate the need for change, but it also provides you with added security and the ability to track your purchases.

Using a card also allows you to take advantage of any rewards or cashback offers that may be associated with your card. This can add up to significant savings over time, making it a wise choice for your Target purchases.

It’s worth noting that while Target accepts $100 bills, some stores may have policies regarding large bills due to security reasons. It’s always a good idea to check with the store or consult their website for any specific guidelines or restrictions.

Target’s Policies on Other Large Denominations

When it comes to accepting large denominations, Target has certain policies in place to ensure smooth transactions for both customers and cashiers. Here’s a closer look at how Target handles bills in the $50 and $20 denominations:

$50 bills are widely accepted with no issue

Target generally accepts $50 bills without any issues. Cashiers are trained to handle these bills and will readily accept them as a form of payment. So, if you have a $50 bill in your wallet and plan to make a purchase at Target, you can rest assured that it will be accepted without any problem.

$20 bills almost never problematic for cashiers

In addition to $50 bills, $20 bills are also widely accepted at Target. Cashiers are accustomed to handling these bills on a daily basis, making them almost never problematic. So, if you prefer to use $20 bills for your purchases, you can confidently present them at the checkout counter.

Ask first if paying with $100s or bills over $100

While Target generally accepts $50 and $20 bills, it’s always a good idea to ask the cashier beforehand if you plan on paying with $100 bills or bills over $100. This is because some stores may have stricter policies when it comes to larger denominations in order to prevent counterfeit bills or fraudulent transactions.

By simply asking the cashier before completing your purchase, you can ensure a smooth and hassle-free transaction. If necessary, the cashier may be able to provide you with alternative payment options or guide you through the process of using larger bills.

For more information on Target’s policies regarding bills of different denominations, you can visit their official website www.target.com or reach out to their customer service for further assistance.


In summary, while Target does accept $100 bills, you may occasionally run into problems using them, especially later in the day when cashiers have less change on hand. To have the smoothest experience paying with large bills at Target, try going earlier in the day, getting your $100 broken at customer service first, or using a smaller denomination or card payment when you can.

Knowing Target’s policies on big bills ahead of time will prepare you for a seamless checkout experience.

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