Frequently Asked Questions

A digital gift card is an electronic version of a traditional gift card. It contains a code or number that represents a stored monetary value. Instead of receiving a physical plastic card, you receive the card information via email, text message, or through a mobile app. Digital gift cards function identically to physical cards but exist entirely in electronic format.

During the checkout process on a website, look for a payment option labeled "Gift Card," "Promo Code," or similar. Enter your gift card number and PIN (if required) in the designated field. The system will apply your card balance to the purchase total. If your purchase exceeds the card balance, you will need to provide an additional payment method for the remaining amount.

Most gift cards provide several ways to check your balance. You can typically visit the issuing retailer's website and find a "Check Balance" link, usually in the footer. You will need to enter your card number and PIN. Many retailers also offer balance checking through their mobile apps or by calling their customer service phone number. Keep your card information handy when checking your balance.

In the United States, federal law prohibits gift cards from expiring within five years of purchase or the date when money was last loaded onto the card. However, specific terms can vary by state and card type. Always review the terms and conditions that come with your gift card. Some promotional gift cards or rewards cards may have different rules than purchased gift cards.

Yes, if your purchase costs less than the gift card balance, the remaining value stays on the card for future use. You can continue using the card until the entire balance is depleted. Each time you make a purchase, the transaction amount is deducted from the remaining balance. Keep track of your balance to know how much credit remains available.

Contact the card issuer immediately if your gift card is lost or stolen. Many retailers can replace your card or transfer the balance to a new card if you have proof of purchase and the card number. This is why it is important to keep your purchase receipt and record the card number separately. However, policies vary by retailer, and some may not offer replacements, so act quickly and keep documentation of all cards.

Federal law restricts when fees can be charged on gift cards. Dormancy fees or inactivity fees cannot be charged unless the card has been inactive for at least 12 months, and these fees must be clearly disclosed. Purchase fees may apply when buying certain types of gift cards, particularly general-purpose prepaid cards. Retailer-specific gift cards typically do not have purchase fees or maintenance fees. Always review the card terms before purchasing.

Generally, gift cards cannot be redeemed for cash except in specific circumstances required by state law. Some states require retailers to provide cash refunds for gift cards with small remaining balances, typically under ten dollars. Policies vary by retailer and location. Check with the specific card issuer for their cash redemption policy. Gift cards are designed primarily for purchasing goods and services rather than cash withdrawal.

Never pay for anything using gift cards if requested by phone, email, or text message. Legitimate businesses and government agencies do not request payment via gift cards. Scammers often impersonate officials, tech support, or family members in distress. Only purchase gift cards from authorized retailers and check cards for signs of tampering before buying. Never share your gift card number or PIN with anyone who contacts you unsolicited. If someone requests gift card payment, it is almost certainly a scam.

Many retailers allow you to use multiple gift cards for a single transaction, both online and in stores. However, policies vary by merchant. When shopping online, you may need to enter each card separately during checkout. Some websites have limits on how many cards can be used per transaction. Contact the retailer or check their website for specific policies regarding multiple gift card usage.

Gift cards are typically issued by specific retailers and can only be used at their stores or websites. Prepaid debit cards carry payment network logos and can be used anywhere those networks are accepted. Prepaid cards often have activation fees and monthly maintenance fees, while retailer gift cards typically do not. Prepaid cards may offer features like ATM access and bill payment, which gift cards do not provide. Gift cards are simpler and designed for specific merchant use.

Most retailers do not allow returns or refunds on gift cards once purchased. This policy prevents fraud and money laundering. Unused gift cards in their original packaging may sometimes be eligible for return within a specific timeframe, but this varies by retailer. Items purchased with gift cards can typically be returned according to the store's regular return policy, with refunds issued back to the gift card. Check the specific retailer's policy regarding gift card returns.

Digital gift cards are generally safe when used properly. They eliminate the risk of physical card damage or loss. However, they require careful handling of electronic information. Keep your card emails or codes secure and do not share them publicly. Use strong passwords for accounts where gift cards are stored. Purchase only from legitimate sources and verified sellers. Digital gift cards offer convenience and security when users follow basic digital safety practices.

Unused gift card balances typically remain on the card indefinitely, subject to expiration laws. However, small amounts left on cards often go unused because people forget about them or find it impractical to make small purchases. Some states have laws requiring retailers to cash out small remaining balances upon request. To avoid losing value, track your gift card balances and use them completely. Consider combining multiple cards with small balances into a single purchase.

Some gift cards are reloadable, while others are not. Reloadable gift cards allow you to add additional funds after the initial balance is used. This feature is common with certain store-branded cards and prepaid cards. Standard non-reloadable gift cards cannot have value added after purchase. Check the card terms or contact the issuer to determine if your specific gift card can be reloaded and how to add funds if reloading is available.