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How To Buy Mastercard Gift Card Online

Video Transcript: Why Some Gift Cards Cost Money To Buy

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Hi, Im Shelley Hunter, Gift Card Girlfriend here at Gift, and one of the questions Im often asked is why it costs money to buy a bank issued gift card when store and restaurant gift cards are freemeaning you dont pay more than the dollar amount loaded onto the gift card.

To answer that question, I first need to explain the difference between open loop and closed loop gift cards. Open loop gift cards such as Visa and Mastercard can be used almost anywhere debit cards are accepted. Closed loop gift cards, the gift cards issued by stores and restaurants, can only be redeemed at the merchants place of business.

Because closed loop gift cards are guaranteed revenue for the merchant, their gift cards are typically free to activate. Its not that the gift card program itself is free, its just that merchants have rolled the programs costs into other expenses rather than charge consumers directly. They do this because gift cards drive additional sales as recipients come into the stores to redeem their gift cards, often overspending the value of their gift cards as well. In addition, the merchant generally can structure its gift card program to be able to keep most of the unredeemed balances.

I tend to think of the activation fee as the price of flexibilityits a small amount to pay for the convenience of getting to use the gift card wherever I want.

What Is A Prepaid Card

Prepaid cards are technically a type of debit card. Issued by a financial institution or credit card companyVisa, MasterCard, and Discover all offer themthey are deposited or “loaded” with a certain amount of money. They then can be used in person or online to purchase items or pay bills. They can also be used at ATMs to withdraw cash.

Just like regular credit cards, prepaid credit cards have a number and an expiration date printed on the front or back, and they generally can be used in the same places. The amount of money deposited or “loaded” onto the card represents the card’s credit limitthat is, how much can be charged on it. Once the balance on the card had been exhausted, the card is worthless, unless more funds are deposited on it. In fact, a prepaid debit card can be used repeatedly, so long as the cardholder keeps adding money to the card. It may carry a monthly fee, however.

Although the terms are often used interchangeably, these prepaid cards are not the same as prepaid credit cards. Requiring an application, a credit check, and approval from the issuer, a prepaid credit card functions like a regular : the cardholder can maintain an outstanding balance, receives monthly statements, etc. The key difference is that approval for the card is contingent on a security depositcollateral for the issuer, in case the cardholder falls delinquent in their payments.

Can The Balance On A Giftcardscom Mastercard Virtual Account Be Negative

Any purchase for an amount greater than the available balance on a Mastercard Virtual Account should be declined. However, if a merchant submits a compromised authorization, its possible for the combination of pending approvals to result in a negative balance.

To learn more about non-Mastercard Virtual Accounts, refer to Merchant eGift Card questions.

Recommended Reading: How To Use Target Gift Card Online

Prepaid Cards Vs Gift Cards: An Overview

Prepaid cards and gift cards are both pieces of plastic that can be used to make purchases. They make popular presents as well: A versatile way to give a recipient the funds to buy whatever they like that seems safer and a touch classier than a wad of cash, and more convenient than a personal check. The biggest difference between the two reflects their permanence: prepaid cards can be reloaded and used indefinitely, while gift cards can generally only be used until the dollar amount on them is exhausted.

Why This Card Is The Best Card For Flexible Online Purchases

Prepaid Card for Travelers Without Credit Card ...

The Bank of America Customized Cash Rewards also offers 2% cash back on grocery store and wholesale club purchases on up to $2,500 in purchases per quarter . A $200 online cash rewards bonus for cardholders who spend $1,000 in the first 90 days sweetens the deal.

Since you can switch your 3% cash back category every calendar month, set it to online shopping during months that are likely to include a lot of online purchases and pick a different 3% cash back category, like travel or dining, during other months. Take advantage of the flexibility in getting to choose your own top rewards category, and choose wisely.

Our rating: 4.3 out of 5Score required: Good to excellentType of card: Cash backSpending categories: Rotating

  • 5% cash back on up to $1,500 in purchases in rotating categories that you enroll in each quarter
  • 1% cash back on general purchases
  • Matches cash back at the end of the first year of card membership
  • No annual fee

Our take: The Discover cards 5% discount on online purchases arrives once a year usually in the fourth quarter. The bonus covers all three major retailers Walmart, Target and Amazon giving you lots of flexibility.

Recommended Reading: How To Win 1000 Amazon Gift Card

How To Purchase Gift Cards With A Credit Card

Buying gift cards in person is a breeze regardless of how you decide to pay. When you buy a gift card with a credit card in person, you simply bring the gift card to the register and choose credit as your form of payment.

The scene is similar when you buy a gift card online and pay with a credit card. If you want to buy an gift card online, for example, you would simply head to and select whether you want a gift card mailed to you, one you can print at home or a gift card via email. From there, you add the gift card to your online cart and proceed to the payment page as normal.

Plenty of other websites let you buy gift cards and pay with a credit card using a similar method, including, and

Give A Mastercard Gift Card

The perfect present is often gift cardsâMastercard is here to help

A gift card is the gift everyone appreciates, offering recipients freedom and flexibility to redeem however they choose. An Associated Bank Mastercard Gift Card is safer than cash, welcome everywhere Debit Mastercard is accepted and can be used for just about anything. Sounds like a pretty great gift!

Get the perfect gift for any occasion

Choose from a variety of designs.¹

Great for personal and business gift-giving.

Choose any amount from $10 to $1,000.

View your Mastercard Gift Card’s balance and purchase history online.

Accepted everywhere Debit Mastercard is accepted.

Choose an Associated Bank Debit Mastercard Gift Card for holidays, anniversaries, birthdays, promotions, thank-you giftsâfor business or personal giving. It’s more flexible than single merchant gift cards or gift certificates.


Bulk orders are also available in quantities of 25 or more, in amounts from $10 to $1,000.²

  • Designs may vary by location.

  • Gift cards can be used anywhere Mastercard® is accepted in the United States. Gift cards cannot be used at automated teller machines . A $2.50 purchase fee will be applied to each gift card purchase. Other fees apply. See Terms and Conditions for additional details. Mastercard Gift Cards are issued by MetaBank®, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Associated Bank, N.A. is not affiliated with MetaBank®, N.A.

  • Read Also: How To Use Target Gift Card Online

    Get Your Prepaid Mastercard Gift Card Online In Seconds

    Looking for a secure prepaid card for online payments? Buy your virtual Mastercard Gift Card now with instant email delivery and use it within seconds. Spend the preloaded balance online anywhere that accepts Mastercard Debit Cards as payment or Discover® Cards in the U.S. Just redeem your instant code to receive your Prepaid Mastercard Gift Card and pay securely online in moments!

    Card Activation & Registration

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    The Virtual Joker Prepaid Mastercard is delivered via email, or it can be accessed from the card recipients account on this site, under Order History. Once you access the card it will begin the registration and activation process. Please note that you must complete the registration process in order to activate and use the Virtual Joker Prepaid Mastercard.

    This virtual card is for online use only.

    This card is issued by Peoples Trust Company under licence from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

    IMPORTANT NOTICE: Due to a change of regulations, the maximum spend in a single transaction at online merchants or websites located in the *European Economic Area will be limited to $75 CAD, and the maximum spend in this region over the lifetime of the card is now limited to $225 CAD. Please contact the customer service team if you require further assistance.

    Recommended Reading: How Do Visa Gift Cards Work

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    Why Is A Credit Card Safe For Online Shopping

    Credit card companies have a range of security measures to protect your account from fraud when you shop online.

    • Fraud-monitoring services

    Many credit card companies provide 24-hour fraud-monitoring services thatll contact you if theres suspicious account activity.

    If a fraud-monitoring service cant verify a transaction thats been made on your account, it will be able to temporarily block your account and investigate further to ensure your credit card is protected against unauthorized transactions.

    • One-time passwords

    You may have already been pre-enrolled in Verified by Visa, Mastercard SecureCode and American Express Safekey. You need to enter a one-time SMS or email code each time you use your credit card to shop online.

    Note that an online merchant must have registered with the program for the service to work.

    • Zero liability guarantees

    American Express, Mastercard and Visa provide zero liability guarantees to cover you for fraudulent credit card use in-store, over the phone and online. Note that these liability guarantees do not cover cash advance fraud.

    If youre the victim of credit card fraud, contact your credit card provider immediately to dispute the transaction.

    Is Paypal safer than credit card online?

    Read Also: How To Use Taco Bell Gift Card On Doordash

    Best Options For Buying Visa And Mastercard Gift Cards

    A common practice for increasing credit card rewards is to use a credit card to buy PIN-enabled Visa or Mastercard gift cards, and then liquidate those cards by using them to reload prepaid cards, buy money orders, or pay bills.

    The first step is to find PIN-enabled Visa or Mastercard gift cards that can be bought with a credit card, with low fees, and without risk of incurring cash advance fees. Thats where this post can help. Note that this post focuses on options available within the United States only. Within the US, options vary by region, by county, by store, and even from one cashier to another.

    You can often find promotions to save on the activation fees. Current and recently expired promotions are listed here:

    Chase Freedom Unlimited: Best For Drugstores

    How to Spend Every Penny On a Visa Gift Card

    The Chase Freedom Unlimited® starts you off with a $200 cash bonus when you spend $500 within three months of account opening. You also earn at least 1.5 percent back on all purchases, 5 percent back on travel booked through Chase Ultimate Rewards, 5 percent back on Lyft purchases , 3 percent back on dining and drugstore purchases and 1 percent back on other purchases. No annual fee applies.

    Why this card is ideal for gift cards: The Chase Freedom Unlimited lets you earn 3 percent back when you buy gift cards from drugstores.

    Recommended Reading: Where Can You Buy Apple Store Gift Cards

    You May Not Receive Credit Card Rewards For Your Purchase

    No matter what type of credit card you’re purchasing, be aware that your credit card provider might not issue rewards points for gift card purchases. Either way, make sure you read up on your institution’s policy so you know what to expect.

    And finally, something to bear in mind for any credit card purchase, is that no matter how great the rewards, it’s not a good idea to overextend yourself. Regardless of how quickly you’re planning to pay it off, you should avoid using more than 30% of available your available credit doing so can negatively affect your credit score, which can have long-term effects.

    Just like with any other credit card purchases, make sure you spend within your means and pay off your balance in full whenever possible, so that interest doesn’t start piling up.

    Can I Use This Prepaid Mastercard Outside The Us

    Yes! Use this card online where Mastercard Debit Cards are accepted with a 2% foreign exchange fee for purchases made outside the U.S. Any exceptions can easily be found on the list of prohibited countries. If you are trying to pay at a U.S. webshop, your card should work if the merchant accepts Discover® Cards.

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    Why Choose A Prepaid Visa Gift Card

    While this virtual Visa Gift Card is a great solution for any online buyer, it is especially useful for young people, frequent travelers and for those abroad. A few primary benefits are that your card is:

    • Usable online wherever Visa Prepaid Cards are accepted.

    • This prepaid card is not a credit card, thus not affecting your credit rating, nor is it attached to your bank account.

    • Issued immediately, without an application process. Simply buy your non-reloadable card online, enter your current billing address and receive the card details immediately.

    • Important information is all in one place. Once registered on MyPrepaidCenter, you can easily check your remaining credit and transaction history in your account.

    Buying A Mastercard Gift Card

    â How To Register Zip Code On Vanilla Mastercard Gift Card ð´

    You can purchase a MasterCard gift card online from a website like In many cases, you can customize your card by uploading a photo or choosing a specific gift card design. You can add a dollar amount ranging from $10 to $500. Finally, you’ll enter the recipient’s name, along with an optional personal message that will be shown on the front of the card. MasterCard gift cards can be used everywhere MasterCard is accepted.

    Other locations where you can buy a MasterCard gift card include gas stations and convenience stores, grocery stores, drug stores and shopping malls. However, you’re less likely to be able to buy a customized card from one of these locations.


    • Check your gift card balance by calling the phone number listed on the back of the card.

      If you are asked for a PIN number when making a purchase, the cashier likely entered the transaction as “debit” instead of “gift card.” Cancel the transaction and ask him to swipe the card again as a gift card.


    • In most cases, MasterCard gift cards do not expire. However, you may accrue a fee of $4.95 after 12 months of inactivity.


    • Check your gift card balance by calling the phone number listed on the back of the card.
    • If you are asked for a PIN number when making a purchase, the cashier likely entered the transaction as “debit” instead of “gift card.” Cancel the transaction and ask him to swipe the card again as a gift card.


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    Using Your Bank Account

  • 1Buy with your debit card. Most sites that accept credit cards will also accept debit cards. Debit cards are easy to get because they come with any bank account. It allows you to use your checkbook for easy record-keeping of what you buy. It is also faster than other options. Since credit cards can lead to debt, using a debit card can save you from that problem because it takes the money directly out of your bank account.
  • To buy with a debit card, you enter the card number on the payment page just like you would a credit card. Sometimes, however, you might have to put in your PIN number.
  • It can be risky because it gives direct access to your checking account. It could possibly be used for fraud.
  • 2Use an online payment company. There are some online companies that act as a payment service for you. With these services, such as PayPal or Amazon Payments, you don’t have to give your information directly to the website that you are buying from. You connect a debit card or checking account to your virtual account on the online platform on their site. You can then buy whatever you want and the payment company will take care of it.
  • Many online retailers accept these forms of payment, but not all do. Make sure you check whatever store you are buying from.XResearch source
  • You can also use a money order. These work just like a check. You send them, the store cashes them, and then your items are shipped. You can buy these at many stores and your local post office.

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