We Are The Grandmother Of All Gift Cards
While you can buy gift cards practically anywhere, Gift Card Granny is the place where you can give and receive. By offering a discount or cash back rewards, you save money with every purchase. What’s more, having been in the industry since 2009, we are a reliable source when it comes to gift cards. We give you the opportunity to create custom gift cards by adding your logos, pictures or messages to cards from Visa Gift Card, Mastercard Gift Card and many various national brands. Whether youre an individual or a corporation looking for the perfect way to show someone your appreciation, we can get these prepaid gift cards to you fast.
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 Amazon.com gift card online, for example, you would simply head to Amazon.com 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 Staples.com, Walmart.com and Target.com.
Can You Buy Gift Cards At Self
Yes. If youre buying a preloaded gift card for a set value, you can just scan the card and add it to your bag with the rest of your groceries. If youre buying a gift card where you can decide how much credit to add, just scan the card and fill in how much cash you want to add to it when the prompt appears. The card then automatically activates once youve paid.
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What Are Gift Cards
Of course, gift cards work similarly to debit cards so that you can use your existing balance. The main difference is that instead of linking to a bank account like a debit card, the donor prepaid the balance on the gift card. When the funds run out, the card is no longer important.
However, there are rules regarding using credit cards and gift certificates, so its natural to wonder if you can use one to buy the other.
Gift Cards: The Rules And Fine Print
Prior to purchasing a gift card, the U.S. Department of the Treasury recommends that you read the product disclosures to understand the important terms and conditions of the account.
Some key items it suggests considering include:
- Any fees that apply during or after the sale that reduce the value of the card
- What to do if the card is lost or stolen
- What to do if there are problems with the card
- Where the card can be used
- How to claim any unused portion of the card
To protect consumers, U.S. regulations require that all fees be disclosed on the gift card itself or on its packaging. If the gift card has an expiration date, the date must be at least five years after the gift card was issued. Many states also have more stringent rules and some require that gift cards dont expire.
Its also a good idea to keep the receipt with the gift card in order to ensure the card can be used .
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Using A Debit Card To Purchase A Gift Card
are probably the easiest means, aside from cash, to purchase gift cards. Debit cards have a pin-activated processing system that doesnt allow transactions to be made without the proper code. This helps shield customers and companies from fraudulent charges, making it easier for consumers to purchase things that arent available through credit.
Debit cards are essentially cash that you have to activate in order to use. Debit cards attach to your personal bank account and only grant access to the funds you have available in the bank, unlike credit cards that give you access to money you dont necessarily have. Fraudsters take advantage of this fact when they use your credit cards to buy gift cards.
Can You Buy Gift Cards With Your Credit Card You Certainly Should
Giving gift cards as gifts makes a lot of sense. Youll save time, your shopping will be more relaxed, and the recipients of your gifts will never be disappointed.
Buying your gift cards online saves even more time and can save you a lot of money. Its convenient and easy to do, and the discounts available mean you will comfortably stay within your budget. Better still, you could even earn rewards from your credit card for saving money by purchasing gift cards from an online gift card retailer like Raise.
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There Are 2 Types Of Gift Cards
There are two types of gift cards: store-based and open-loop, and typically, you should be able to use your credit card to purchase either.
As the name suggests, store-based gift cards have to be purchased from that particular purveyor, and can be used only at that location. So if you have a Starbucks gift card, for example, you can’t use it to pay for your burrito bowl at Chipotle, and vice versa.
An open-loop gift card is an even more broad form of gift card that’s issued through a financial institution like Visa or MasterCard, for example and can be used anywhere that that type of card is accepted. It’s essentially an all-purpose charge card, designed for when you don’t want the recipient to be tied down to one specific outlet.
Pay With A Rewards 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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Fraudulent Gift Card Purchases And Scams
In October 2015, new rules were enacted with the EMV chip card transition. The new form of payment via EMV chip cards safeguarded consumers by putting more securities on credit and debit card purchases through the use of chip-enabled technology to help alleviate the results of many common credit card frauds.
The rules state that businesses that do not upgrade their transaction technology to feature chip-enabled payments will be held liable for fraudulent charges made on their machines. So naturally, businesses all over the country were purchasing new transaction machines that incorporated these regulations making it more challenging for fraudsters to steal money by purchasing gift cards using stolen credit cards.
According to Digital Commerce 360, gift card fraud is growing and the scams are becoming more difficult to fight. For years, fraudsters have been using the gift card method to quickly turn a stolen credit card into hard cash. They do this by immediately purchasing large amounts of gift cards using the stolen credit card, then immediately go to a gift card exchange and get cash in hand for the gift cards they bought using a stolen credit card.
Best Credit Cards For Purchasing Gift Cards
The best credit cards to use for gift cards are ones that let you rack up as much in rewards as you possibly can. With that being said, you should choose a credit card for gift cards carefully and based on the type of rewards you hope to earn.
Here are some of the top credit cards for gift card purchases, along with where they work best:
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Gift Card Purchase Limits Cut Fraud But Hamper Consumers
In 2016, concerns about fraud led some merchants notably merchants that had not switched to EMV to restrict or bar the use of credit cards to purchase gift cards. Instead, shoppers sometimes had to pay with cash or use debit cards with PINs.
For example, some merchants required high denomination gift cards to be purchased with cash, says Colleen Dorwart, chair of the Retail Gift Card Association.
Consumers who may not have had the cash on hand at the time of purchase may have had to take an extra step as a workaround, and not all of them completed the purchase if they had to go withdraw cash from an ATM.
At the end of 2016, 14 percent of midsize and large retailers did not have EMV in place, according to the National Retail Federation . In 2017, 99 percent of midsize and large retailers and 81 percent of smaller retailers expect to have EMV in place by the end of the year.
Gift Cards Guarantee The Recipient Gets The Gift They Want
Gift cards make the ideal gift for people you know well and those you dont know so well. They let people choose the exact gift they desire. If you want to buy a special gift for a bookworm, then a gift token makes certain that you dont gift them a book they already have, or a book that they unwrap from someone else immediately before yours.
Think about the person you are buying for, and then buy a gift card from their favorite store or supplier.
If you dont know the recipient that well, you could give them a gift card from Amazon among the top 10 gift cards in the United States, and for good reason: Amazon sells just about everything.
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What To Be Prepared For 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.
- A sales associate may mistakenly tell 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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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 Chase 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.
Visa Virtual Account Faq
A Visa Virtual Account is delivered via email and delivery may take up to 24 business hours from the time of purchase.
Visa Virtual Account is only redeemable online and the balance of the card must cover the full amount of the transaction. Heres a tip! If the Visa Virtual Account balance is less than the transaction total, then first use the Visa Virtual Account to buy an eGift card from the online merchant. When the merchants eGift card arrives, apply the merchants eGift card to your purchase and pay the remaining balance due with a debit or credit card.
Both Visa gift cards and Visa Virtual Account are redeemable wherever Visa is accepted, however, Visa Virtual Account are only redeemable online and the balance of the Virtual Account must cover the full amount of the transaction. Visa gift cards are shipped via USPS or UPS, depending on the shipping method selected. Visa Virtual Account are delivered via email.
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What You Need To Know About Buying Gift Cards With A Credit Card
You can buy gift cards almost anywhere today. This includes grocery stores, convenience stores, drugstores and gas stations. All the major retailers offer gift cards, as do many of the warehouse clubs. Before you head to the stores, though, there are a couple of things you need to know.
First, you might be asked to present your ID. This is to fight credit card fraud. Stolen credit cards are often used to buy gift cards, because this makes it easier to steal money from the credit card.
Second, different stores have different credit card policies when you use a credit card to buy gift cards. Some chains may ban certain cards across all their stores, while single stores may also have a credit card ban imposed if they are in an area where credit card fraud is high.
Not all store staff are up to date on current policy, either. So, you could be unlucky and be refused because the clerk serving you is working to the wrong rules.
Your credit card issuer could also cause you aggravation. Again, in the battle against credit card fraud the issuer might request that you confirm your purchase on your mobile device. This could mean canceling the transaction and trying again.
To ensure these potential issues dont become annoying problems, you should:
- Check ahead to make sure that your credit card will be accepted as payment for gift cards at the cash register
- Always carry photographic ID with you
- Carry a second card in case your first is rejected because of a fraud check
Can You Buy Visa Gift Cards With A Credit Card
Whoever came up with the concept of a gift card deserves heartfelt applause from behind. Ingenious little plastic pieces are not only a convenient gift but also an easy way to show support for a local business. They can also be a great way to redeem or earn Rewards Points. This card is especially useful when travel is not the best option. However, to cash out these rewards, one must purchase them with a credit card. A question arises. Can I purchase a gift card with a credit card?
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Visa Gift Card Payments Faq
Giftcards.com accepts Visa, Mastercard®, Discover®, and American Express® credit and debit cards registered to U.S. addresses. Gift Cards cannot be used to purchase additional gift cards. We dont presently accept international orders.
eGifts are delivered electronically and can only be used for online or over the phone purchases. There are no shipping fees for eGift cards. Refer to our Purchasing Fee Schedule page for more information.
Buying Store Gift Cards With A Credit Card
Some stores may have restrictions for store-specific also known as closed-loop gift cards, especially in regards to purchasing one with a credit card. You may wish to inquire about the store or company policies before attempting to make a gift card purchase.
For instance, smaller businesses may not wish to take the risk of liability for fraudulent gift card purchases and may not allow credit card purchases of gift cards at all.
However, some stores may allow the purchase of store-specific cards with a few safety measures such as asking for an ID, or limiting the amount of money you wish to put on the card, or keeping the card inactive for a period of 24 hours after its purchased to assure the credit payment went through.
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