What exactly are gift cards?

Gift cards are prepaid payment cards loaded with a specific monetary value. They function as an alternative to cash for purchases at designated retailers or businesses. Gift cards typically display branding related to the issuing retailer or payment network and can be used until the balance is depleted.

What are the main types of gift cards?

Gift cards fall into two primary categories:

• Closed-loop cards: Restricted to specific retailers or chains (examples: Target, Amazon, Starbucks)
• Open-loop cards: Feature payment network logos (Visa®, Mastercard®, American Express®) and can be used at most merchants accepting those networks

Both types are available as physical plastic cards or digital e-gift cards delivered electronically.

Where should I purchase gift cards?

Safest purchase locations include:

• Direct from retailers (in-store or official websites)
• Established grocery stores and pharmacies
• Bank websites and banking apps
• Authorized resellers with secure payment processing
• Wholesale membership clubs

Avoid purchasing from unfamiliar online marketplaces, classified ads, or social media sellers due to higher fraud risks.

Do gift cards have expiration dates?

Expiration policies vary:

• U.S. federal law (Credit CARD Act of 2009) requires gift cards remain valid for at least five years from activation
• Many store-specific cards never expire
• Bank-issued network cards typically expire after 5+ years
• Some cards may charge inactivity fees after extended non-use periods

Always review the specific terms and conditions for your card.

How do I use a gift card?

Usage methods depend on card type:

• Physical cards in-store: Present at checkout or swipe through payment terminal
• Physical cards online: Enter card number and security code during checkout
• Digital cards: Use code from email or app during online purchase
• Mobile wallet: Add compatible cards to smartphone payment apps

How can I check my gift card balance?

Balance checking options:

• Visit the retailer's website and locate their balance checker tool
• Call the customer service number on the card back
• Check in-store at customer service or checkout
• Use the retailer's mobile application
• Review your most recent purchase receipt (often shows remaining balance)

Can I split payment between a gift card and another method?

Yes, most retailers permit split payments. If your purchase exceeds your gift card balance, you can typically pay the difference using cash, credit/debit card, or another gift card. Some online merchants may require full payment with one method, so verify their policy before ordering.

How can I protect my gift cards?

Protection strategies:

• Retain purchase receipts as proof of ownership
• Register cards when registration options are available
• Never share card numbers, PINs, or security codes
• Be skeptical of unsolicited requests for gift card information
• Use cards promptly to minimize loss exposure
• Photograph both sides of cards for backup records

What are common gift card scams?

Prevalent scam types:

• Card tampering: Scammers record information from in-store cards before purchase
• Payment fraud: Criminals demand gift cards as payment for fake bills or services
• Prize scams: Fake notifications claiming you've won, requiring gift card "fees"
• Impersonation: Scammers pose as government, tech support, or family emergencies
• Resale fraud: Selling depleted or stolen cards on secondary markets

Remember: Legitimate businesses and government agencies NEVER request payment via gift cards.

What if my gift card is lost or stolen?

Immediate actions:

1. Contact the retailer or issuer immediately
2. Provide receipt and card information if available
3. Follow their replacement procedure
4. Be prepared to verify proof of purchase

Recovery success depends on issuer policies. Registered cards typically offer better protection, though replacement may include fees.

What is GiftZilla.org?

GiftZilla.org is a comprehensive educational platform dedicated to gift card information. We provide expertly researched guides, security advice, usage tutorials, and best practices to help consumers make informed decisions. Our content is created by consumer education specialists and security professionals.

Does GiftZilla.org sell gift cards?

No. GiftZilla.org is exclusively an educational resource. We do not sell gift cards, process payments, or facilitate any gift card transactions. We provide information only to help consumers make informed decisions.

How can I contact GiftZilla.org?

Contact methods:

• Email: [email protected]
• Phone: +1 (650) 847-2391
• Contact form: Contact page
• Mail: 725 Market Street, Suite 310, San Francisco, CA 94103

We typically respond within 1-2 business days.