Frequently Asked Questions

A gift card is a prepaid stored-value card issued by a retailer or bank to be used as an alternative to cash for purchases within a particular store or related businesses. Gift cards are typically available in both physical and digital formats.

You can check your gift card balance through several methods: visit the issuer's website and enter your card information, call the customer service number on the back of the card, check your last purchase receipt, or ask a cashier at the store to check it for you.

Many gift cards do not have expiration dates, thanks to federal regulations. However, some cards may have inactivity fees if not used within a certain period (typically 12 months or more). Always check the terms and conditions of your specific gift card.

Most modern gift cards can be used for online purchases. When checking out, select gift card as your payment method and enter the card number and PIN or security code. Check with the specific retailer to confirm their gift cards are valid for online transactions.

If you lose your gift card, contact the issuer immediately. Some issuers may be able to replace the card if you have proof of purchase and the card number. This is why it is important to keep your receipt and write down the card number in a safe place. Registered cards are typically easier to replace.

Generally, gift cards cannot be redeemed for cash unless required by state law. Some states mandate that retailers must provide cash back if the remaining balance is below a certain threshold (often five to ten dollars). Check your local regulations and the card's terms and conditions.

If your purchase exceeds your gift card balance, you can pay the difference using another payment method such as cash, credit card, or debit card. Most retailers allow you to split payment between a gift card and another form of payment.

Most retail gift cards do not have purchase fees or usage fees. However, some general-purpose prepaid cards may have activation fees or monthly maintenance fees. Additionally, inactivity fees may apply if the card is not used for an extended period (usually 12 months or more). Always review the terms and conditions.

This depends on the specific gift card. Retail gift cards are typically only valid in the country where they were purchased. General-purpose prepaid cards may work internationally if they are on a global payment network, but may incur foreign transaction fees. Check with the card issuer for specific details.

To protect yourself: only buy gift cards from authorized retailers, inspect cards for tampering before purchase, never share card information with unknown parties, be wary of anyone demanding payment via gift card, and remember that legitimate government agencies and companies will never ask for payment via gift cards.

Some gift cards are reloadable, meaning you can add more funds after the initial balance is used. However, many gift cards are designed for single-use and cannot be reloaded. Check with the specific retailer or card issuer to determine if your card can be reloaded.

Gift cards are typically issued by specific retailers and can only be used at those stores. Prepaid cards are issued by financial institutions and can be used anywhere the payment network is accepted. Prepaid cards may have more fees but offer greater flexibility in where they can be used.