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Can You Buy Gift Cards With Credit

Why Do Gift Cards Make Such Popular Gifts To Give

Can you buy gift cards with a credit card?

Gift cards are popular gifts to give. In a survey by Gift Card Granny, it was found that a huge93% of Americans have given or sent gift cards.

Its not hard to understand why:

  • As the gift giver, you probably worry about what to buy for others. You might agonize for hours, days, or even weeks about whether your gift idea will be loved or loathed. You may ask others what someone might like to receive or use covert methods to discover such secrets yourself. Buying the perfect gift is an awful lot of hard work.
  • Time is another factor. Whether buying gifts for one person or a dozen, it takes time to choose and purchase your gifts. And during gift giving season, that time can easily treble. You might also return home a little battered and bruised from the bumping and bashing you received among the hordes of gift buyers.
  • Its easy to overspend, too, as you try to buy gifts that are equally as good for family and friends to prevent arguments about who got the better or more expensive gift.

Buying gift cards removes all these worries. You wont overspend, but instead stick to the budget you set. The gift cards you give will mean that the recipient gets to choose what they really want there wont be arguments about whose gift was the best.

What To Expect When You Buy Gift Cards With A Credit Card

While youll usually have no trouble using your credit card to buy gift cards, once in a while you may run into a few hiccups. Here are a few common instances to watch out for:

You may be asked for your photo ID.

Some stores will ask that you show a matching ID when using a credit card to buy gift cards. By matching a name and face to the credit card, stores make it more difficult for people to use stolen cards for these transactions.

The transaction may be declined due to store-specific policies.

You could run into any number of responses at the checkout counter:

  • A credit card ban may be implemented throughout all stores in a chain.
  • You may even get unlucky and be matched with a clerk who mistakenly tells you the wrong store policy.

The easiest way around these roadblocks? Try a different store. If youre feeling lucky, you could try the transaction again with another clerk at the same store.

Your card issuer may flag the transaction.

In this case, the transaction will be halted, and youll need to verify on your mobile device that you initiated the purchase. If the notification comes quickly enough, you may be able to proceed with the transaction at the counter. Otherwise, youll need to cancel the purchase and try again after youve verified it with your issuer.

One way to get around this limitation is by carrying a backup credit card. This card might not offer the rewards you were hoping for, but it may save you from having to try the transaction again.

Redeem Rewards For Gift Cards

If you dont have a cash-back credit card, another option is to redeem the points or miles youve accrued for a gift card.When you redeem your points/miles for a gift card, you typically receive a 1:1 value, which means one point/mile is worth a penny. This is a standard redemption rate and can help you get gift cards without charging anything new to your card.

You should also look out for gift card redemption promotions. Chase is the main issuer that offers Ultimate Rewards® cardholders 10% off a variety of gift cards, currently including Grubhub and Subway. Some eligible cards include the Chase Freedom Flex, Chase Freedom Unlimited® and Chase Sapphire Preferred® Card. Through these promotions, a $25 gift card that would typically cost 2,500 points, would only cost 2,250 points.

Read Also: Can Visa Gift Cards Get Refunds

Get $10 Amazon Credit When You Purchase $100 Apple Gift Card

sale is getting you a little bit more when you purchase an Apple gift card.

Head to Amazon Canadas website and purchase at least a $100 Apple gift card, then use the promotion code APPLEDeal, to get a $10 Amazon Canada credit.

This deal is available until November 30th. Check out to get this deal.

Obviously, you wouldnt spend $100 to just get the $10 Amazon credit, but if youre already buying a friend an Apple gift card for Christmas, this is definitely the choice.

Another Amazon Promo That Gets You Free Money

Can you buy gift cards with a credit card

If youre not eligible for the promotion above, dont worry. Theres actually another great Amazon promotion running right now that you might be able to take advantage of.

Have you ever heard of ? If you answered no, thats actually a good thing. It means youre almost certainly eligible for an awesome Amazon gift card promotion that gets you a $12 credit for free!

First-time reloaders can use Amazon Reload to add $100 or more to their account. When they do, theyll get an extra $12 Amazon credit for free.

Figuring out whether or not youre eligible for this great offer couldnt be easier. Just visit for the Reload promo. If you see a message that says Sorry, you are not eligible for this promotion, youre out of luck. That means youve used Amazon Reload at some point in the past. But if you see Amazons terms and conditions instead, youre good to go.

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Is Using My Credit Card For Gift Cards Considered A Cash Advance

The answer is usually not. Buying a gift card with a credit card is usually considered a purchase. However, this transaction could be coded as a cash advance in certain instances, such as when:

  • You buy a prepaid card.Products such as Visa Gift Cards and Mastercard Gift Cards are sometimes considered cash equivalents, especially as they can be used virtually anywhere credit cards are accepted. Youll rarely have this problem with closed-loop gift cards, because they can be used only at the stores theyre issued under.
  • You buy a gift card at a financial institution.If your card issuer generally codes a merchants services as cash advances, your gift-card purchase may fall under this category as well.

How to avoid cash advances when buying gift cards with your credit card

If youre worried about cash advances, try these strategies:

  • Contact your card issuer.Your issuer may be able to tell you outright if youll need to worry about cash advances.
  • Turn off cash advances for your credit card.If your issuer allows this, any cash advances will simply be declined when you use your credit card for them.

Can You Buy Gift Cards With A Credit Card Find Out How

  • REFERENCE
  • The person who came up with the idea for gift cards deserves a pat on the back. Not only can the clever tiny bits of plastic be used as practical gifts and a simple way to demonstrate your support for local businesses, but they can also be used to spend or earn rewards points.

    And you can now use your credit card to purchase a gift card. This is especially useful during times when travel is not an option.

    However, to cash in on those benefits, youll need to be able to buy them with a credit card, which raises whether you can buy gift cards with a credit card.

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    How Gift Cards Work

    A gift card is a form of payment that can be used to make purchases at retail stores, gas stations, restaurants, and other locations. You load money onto the card, which you or the gift cards recipient can then spend at accepted locations.

    Gift cards can be open-loop or closed-loop. An open-loop gift card can be used anywhere that brand of card is accepted. For example, if you have a gift card thats branded with the Visa logo, you could use it to make purchases anywhere Visa is accepted.

    A closed-loop card, on the other hand, can only be used at specific merchants. For instance, if you purchase a gift card from Starbucks or Amazon, you or the gift cards recipient would be able to use them to make purchases only at the retailer issuing the card.

    Some prepaid gift cards charge a fee to purchase them. You may also pay a separate fee to reload money to a gift card if you wish to reuse it.

    Pay With A Rewards Card

    Why It’s Getting Harder to Buy a Gift Card

    When you don’t have a credit card with instant discounts, consider using a rewards card for your gift card purchases. The best rewards credit card to use for purchasing gift cards is one that earns an above-average cash-back rate, around 2% or more.

    The earns 5% cash back on Amazon.com. You could purchase a $150 Amazon.com gift card with your Amazon Prime card, earn $5 cash back, then redeem it for a statement credit to offset your bill.

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    Can You Buy Gift Cards Using A Gift Card

    Whether you can purchase gift cards with a gift card largely depends on the specific store that you are hoping to purchase gift cards at. The majority of merchants throughout the country will not allow you to do this because of the possibility for fraud to occur.

    In the past, customers have typically used gift cards to purchase other gift cards during the holidays when they receive cards for places at which they dont shop. Having the opportunity to exchange a gift card for one you would rather use seems like a good idea, but again, the chance of finding a vendor that will do this is challenging

    In most cases, the only way you can purchase a gift card with a gift card is if you use a Visa gift card to purchase a store gift card. Some vendors will allow this transaction because it is very similar to credit card transactions, while other vendors will only allow the purchase of gift cards using cash or debit transactions.

    If you have a gift card that you wish to exchange or sell for cash value, you might be able to trade, sell, or exchange the gift card using a gift card exchange website. However, you should be cautious in this endeavor and be sure that you are using a reputable site.

    About Amazoncom Gift Card Restrictions And Prohibited Activities

    There are certain restrictions in connection with the use of Amazon.com Gift Cards. If you engage in these activities, Amazon.com may prevent you from claiming or redeeming gift cards, or may take further action on your account without a refund. You may not:

    The list of prohibited activities above is not intended to be a complete or exhaustive list of all prohibited activities. Engaging in any activity that, in our sole discretion, disrupts, or is harmful to our customers, reputation, goodwill, business, or operations is prohibited. Engaging in any prohibited activities, or using an Amazon.com Gift Card in violation our Gift Card Terms and Conditions may result in our taking action against you, including, but not limited to, preventing you from claiming or redeeming gift cards, revoking gift card balances, or closing your account consistent with our Gift Card Terms and Conditions.

    Please read our Gift Card Terms and Conditions for a full list of rules and restrictions.

    Was this information helpful?

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    They Offer Convenience But Can Come With Hidden Fees And End In Wasted Funds

        Almost all retailers offer consumers gift cards as a way to shop or give money to friends, both in the online and brick-and-mortar variety. There are two types of gift cardsphysical and digital and each comes with a wide range of features and benefits. If youre interested in purchasing gift cards for others during the holiday season, or you want to buy them for yourself, it helps to understand how they compare with other payment methods.

        How Long Do Gift Cards Last

        Can You Use Gamestop Trade Credit To Buy Gift Cards ...

        Gift cards last at least five years from their issue date, thanks the Credit Card Accountability Responsibility and Disclosure , better known as the 2009 CARD Act. And in some states, you may actually have longer than that, or expiration may not be permitted at all. As part of the law, the ruling on gift cards states that retailers cant deactivate a card thats less than five years old, and there are limitations on how inactivity fees may be applied. What that means to you as a gift card user is that if a business tries to say that a card is expired because its a couple of years old, you have some recourse to push back.

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        Best Credit Cards For Purchasing Gift Cards At Office Supply Stores

        As a business owner, youll have plenty of reasons to purchase gift cards at office supply stores. Office renovations, promotional incentives for employees, and paying for business dining/travel/entertainment could be likely examples.

        Here are a couple of business credit cards that can be used for earning maximum rewards at office supply stores.

        Learn More
        • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.
        • Earn 5% cash-back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
        • Earn 2% cash-back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
        • 0% introductory APR for 12 months on purchases, then a variable APR of 13.24%-19.24%
        • Good to Excellent Credit Recommendation
        • Annual Fee: $0

        Must Reads: For more info on the Chase Ink Cash Card, see our guide on its benefits and our full review. This is one of several business credit cards from Chase.

        The Ink Business Cash card is likely the best card for office supply store purchases as it earns 5% cash-back on up to $25,000 in purchases each account anniversary year.

        What Is The Best Way To Buy Gift Cards

        The best way for you to buy gift cards with a credit card depends on what type of person you are, how much you value your time, and how much you like shopping especially in crowded stores.

        If you love spending hours visiting crowded shops in the cold and rain, getting crushed by other consumers, and risking rejection of your credit card at the cash register because of instore rules or card issuer fraud checks, then a day or two at the shopping mall or on main street is beckoning.

        On the other hand, you could do your gift card shopping in the comfort of your own home. Make a list of which cards to buy for who, log on to an online gift card store, and your gift shopping could be done in minutes.

        Woah! Hold on a minute. An online gift card store? Let me explain.

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        What Type Of Gift Card Should I Buy

        Most experts in the space recommend that you buy gift cards without any fees associated with them, so usually that means getting store gift cards. Consumer advocate Clark Howard cites fees, a lack of ease of use , and potential fraud as reasons he doesnt recommend Visa gift cards .

        Any gift card is susceptible to theft or fraud, because, like cash, once its gone, its gone. Gift cards usually dont offer fraud protection as most credit cards do, so make sure to keep them in a secure location .

        Insider tip

        Some gift cards, like those from Starbucks and Amazon, give you the option to load them onto your store account or combine them with an existing store gift card. If this is an option, do so immediately in order to claim the gift card funds as yours in case you lose or misplace the card.

        What To Be Prepared For When You Buy Gift Cards With A Credit Card

        Thieves use stolen credit cards to buy gift cards

        While youll usually have no trouble using your credit card to buy gift cards, once in a while you may run into a few hiccups. Here are a few common instances to watch out for:

        You may be asked for your photo ID.

        Some stores will ask that you show a matching ID when using a credit card to buy gift cards. By matching a name and face to the credit card, stores make it more difficult for people to use stolen cards for these transactions.

        The transaction may be declined due to store-specific policies.

        You could run into any number of responses at the checkout counter:

        • A credit card ban may be implemented throughout all stores in a chain.
        • You may even get unlucky and be matched with a clerk who mistakenly tells you the wrong store policy.

        The easiest way around these roadblocks? Try a different store. If youre feeling lucky, you could try the transaction again with another clerk at the same store.

        Your card issuer may flag the transaction.

        In this case, the transaction will be halted, and youll need to verify on your mobile device that you initiated the purchase. If the notification comes quickly enough, you may be able to proceed with the transaction at the counter. Otherwise, youll need to cancel the purchase and try again after youve verified it with your issuer.

        One way to get around this limitation is by carrying a backup card. This card might not offer the rewards you were hoping for, but it may save you from having to try the transaction again.

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