Frequently Asked Questions

A gift card is a prepaid stored-value card that can be used to make purchases at specific retailers or service providers. It contains a predetermined amount of money that can be spent on goods or services. Gift cards come in two main forms: physical cards and digital codes.

Gift cards work by storing a specific monetary value that can be redeemed for purchases. When you use a gift card, the purchase amount is deducted from the card balance. You can typically use a gift card until the balance reaches zero. Some cards can be reloaded with additional funds.

Physical gift cards are tangible plastic cards that you can hold and present at checkout. Digital gift cards (also called e-gift cards) are delivered electronically via email or mobile app and contain a code that can be entered online or shown at the point of sale. Both types function the same way, but digital cards offer instant delivery and cannot be physically lost.

In the United States, federal law (Credit Card Accountability Responsibility and Disclosure Act of 2009) requires that gift cards remain valid for at least five years from the date of purchase or last reload. However, specific policies vary by issuer and state. Always check the terms and conditions of your specific gift card.

Yes, most gift cards allow you to check your balance through multiple methods: online via the issuer's website, by calling a customer service number (usually printed on the back of the card), or by asking at the point of sale when making a purchase. You will typically need the card number and sometimes a PIN or security code.

If you lose a gift card, you should contact the issuer immediately. Some issuers may be able to replace lost or stolen cards if you have proof of purchase, the card number, or receipt. However, many gift cards are treated like cash and cannot be replaced if lost. It's important to treat gift cards like money and keep them secure.

Generally, no. Most retailers and issuers prohibit using gift cards to purchase other gift cards. This policy helps prevent fraud and money laundering. Check the specific terms and conditions of your gift card for details about purchase restrictions.

Some gift cards are reloadable, meaning you can add more money to them after the initial balance is used. However, not all gift cards offer this feature. Reloadable cards are often available for specific retailers or open-loop prepaid cards. Check with the card issuer to see if your gift card can be reloaded.

Most retailer-specific gift cards do not have purchase fees or maintenance fees. However, some open-loop gift cards (those that work at multiple locations) may have activation fees or monthly maintenance fees after a period of inactivity. Federal law restricts when and how much issuers can charge in fees. Always read the terms carefully before purchasing.

Gift card return and exchange policies vary by retailer. Many retailers do not accept returns or exchanges of gift cards, especially if they have been activated or used. Some may allow exchanges for unused cards within a certain timeframe. Check the specific return policy of the retailer where the card was purchased.

Generally, gift cards cannot be redeemed for cash except in certain circumstances. Some states have laws requiring retailers to provide cash back if the remaining balance is below a certain threshold (typically five to ten dollars). Check your state's laws and the gift card terms for specific details.

To protect yourself from gift card scams: never provide gift card numbers or PINs to unknown callers; be suspicious of anyone asking for payment via gift cards; purchase gift cards only from authorized retailers; inspect cards for signs of tampering before purchase; register your card if the option is available; and keep your receipt and card number in a safe place. Visit our Security page for more detailed information.

Most gift cards can be used both online and in physical stores, but this depends on the specific card. Retailer-specific gift cards typically work in all of that retailer's sales channels. However, some promotional or special gift cards may have restrictions. Check the terms of your specific gift card.

If your gift card is not working, first verify that you are entering the card number and PIN correctly. Check that the card has been activated (most cards are activated at purchase, but some require additional steps). Verify that the card has not expired and has a remaining balance. If problems persist, contact the card issuer's customer service for assistance.

The ability to use multiple gift cards in a single transaction depends on the retailer's policies. Many online retailers allow you to apply multiple gift cards to one order. In-store policies vary. Some retailers may allow you to combine balances onto one card, while others may accept multiple cards in a single transaction.

Generally, purchasing a gift card is not a taxable transaction because you are essentially exchanging money for stored value. However, when you use the gift card to make purchases, applicable sales tax will be charged on those purchases just as it would with any other payment method. Tax rules can vary by jurisdiction, so consult local tax authorities for specific guidance.

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