Visa Gift Card Security
At Gift Card Granny, not only do we make it our mission to save you money, but we understand that your privacy is of the utmost importance.
When you buy a Visa gift card online from our site, rest assured that youll receive the correct gift card with the promised balance through a secure order. We will also protect your personal information during the transaction. This includes any sensitive details and data.
Target Redcard: Best For Gift Card Discounts
The Target Redcard is available exclusively for purchases made at Target, which means it is rather limited. However, this card doesnt have an annual fee, and youll get perks like 5 percent off everything you buy at Target and Target.com, free shipping on most items and exclusive offers and savings.
Why this card is ideal for gift cards: The Target Redcard also lets you save 5 percent off specialty gift cards for travel, restaurants, subscription services and more.
Ink Business Cash Credit Card: Best For Businesses
Sign up for the Ink Business Cash® Credit Card to earn 5 percent back on up to $25,000 spent in combined purchases at office supply stores or on internet, cable and phone services each year, 2 percent cash back on the first $25,000 spent each year at gas stations and restaurants and 1 percent back on other purchases. You can also earn $750 in bonus cash back when you sign up and spend $7,500 within three months of account opening. This card doesnt have an annual fee.
Why this card is ideal for gift cards: Use this card for gift card purchases made at office supply stores in order to earn 5 percent back on up to $25,000 spent each cardmember year.
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Why Would You Buy A Gift Card With A Visa Gift Card
Visa gift cards are different than store gift cards in a variety of ways. The revenue model is different, redemption is different, how stores make money from these gift cards is different and the rules and regulations around open loop gift cards are also different. In all my searched, I have found no federal law, state law or store policy prohibiting the ability to buy a store brand gift card with a Visa Gift Card or any other type of open loop card.
Here are a few reasons why you might want the freedom to do this:
1. To Use the Gift Card Balance. If you have a bank-issued gift card such as a Visa® or Mastercard®, you may eventually find yourself holding onto a gift card that has a miniscule balance left on it. You dont want to throw the gift card away, but you may be finding it inconvenient to spend that last $3.58 as well. An easy thing to do is buy an Amazon egift card for that same amount. Then you can apply the Amazon egift card directly to your Amazon account. The next time you shop Amazon, youll get that $3.58 applied to your purchase.
2. To Extend the Life of a Gift Card. Suppose you receive a gift card from your cable company as a thank you for being a valued customer. The gift card you receive in that situation may have an expiration date on it . To avoid having the gift card funds expire, use it to buy a non-expiring gift card from a store or restaurant in your area.
Does Purchasing A Gift Card Count As A Cash Advance
You should also be aware that some credit cards threaten to treat gift card purchases as a cash advance. In this case, you would be charged a cash advance fee and a higher interest rate, to boot.
Generally speaking, gift cards code as a cash advance when you buy them directly from a financial institution, or when you buy a prepaid card instead of a gift card. However, you can get around this by buying gift cards within your normal shopping, such as in your weekly grocery haul at the supermarket.
You can also get around dealing with surprise cash advance fees by asking retailers if their gift cards code as a cash advance or purchase before you buy, or you can call your card issuer and ask them to turn off cash advances on your card altogether.
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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.
Where Can I Buy Gift Cards
In addition to buying gift cards at their specific stores , you can buy many different store and generic gift cards at:
- Grocery stores and supermarkets
- Online gift card websites like GiftCards.com
There are many online gift card sites, so just make sure you do your homework and use a legitimate company to buy yours.
Warehouse clubs like Costco sometimes offer gift card deals for select stores and restaurants, providing extra value for what you spend. For example, you can often get $100 worth of gift cards for $79.99. You can buy them online or at physical Costco stores .
Additionally, there are sites like Cardpool.com where you can buy and sell unused gift cards. Youll usually get a deal on gift cards when buying. You wont make the full value when selling, but if youre not going to use a card you can at least get something for it.
Did you know? Consumers spend more than $130 billion on gift cards per year, according to advisory company CEB TowerGroup, but roughly $1 billion of that goes unspent.
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Check Your Visa Gift Card Balance
Please have your gift card ready when you check the balance.
If you purchased or received a Visa gift card right from Gift Card Granny, visit our;Visa balance check page for current balance information.
For Visa gift cards not purchased on Gift Card Granny, you must contact the financial institution responsible for your gift card in order to check the balance Visa is unique in that it doesnt provide gift card balances or transaction information for its gift cards.
Here are the most common issuing banks and providers of Visa gift cards:
See our Visa Gift Card fee schedule.
Cibc Smart Prepaid Travel Visa* Card
- Foreign-currency, reloadable prepaid card
- Convenient and secure way to shop when youre outside of Canada;
- Available in 4 currencies: U.S. dollars, Euros, Mexican pesos and British pounds
- Lock in your rate when you load your card and avoid foreign exchange surprises2
- Note: CIBC prepaid cards cant be used as gift cards
|The amount of the customization fee will depend on the currency of your account.||$5.95 CAD or $4.50 USD5|
|Foreign conversionTransactions, such as debits and credits, not in the currency of your card are converted into the currency of your card no later than the transaction posting date at an exchange rate that is 2.5% over the rate CIBC must pay.||2.5%|
|The first ATM withdrawal in each month is free.||$3.50|
|Lost or stolen card replacement||$14.95|
|Optional card replacement shipment by courier||$15.00|
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Prepaid Visa And Other Prepaid Cards
They give the recipient an incredible amount of flexibility to buy whatever they would like, from any store that accepts Visa or other prepaid cards. ;Who wouldnt love this flexibility?; Its as good as cash without handing over the green.; You can buy plastic or digital prepaid cards. If you have someone you want to send a gift to immediately, you can easily send a digital prepaid card and the recipient will have it in minutes.; There are several providers that will even let you personalize it with a favorite picture or logo and emboss the recipients name and small message onto the card. All of this equals a great gift.
Visa Gift Cards Are Sold In Stores
Walk into any major grocery store, drug store or gas station and you will likely find a rack of gift cards. Among the cards for stores and restaurants, youll also see general purpose gift cards powered by major credit card companies.
Though you cant personalize these gift cards, you can buy them off the rack in various denominations. Activation rates Ive seen for a $100 Visa gift card range right around $6.
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Video Transcript: Visa Gift Cards How They Work
Hi, Im Shelley Hunter, Gift Card Girlfriend here at Gift Cards.com, and heres what I love the most about Visa gift cardsthey can be used anywhere in the U.S. Visa debit cards are acceptedwhich to me, means pretty much everywhere. From little mom and pop restaurants to national retailers, if a Visa debit card is accepted, then the gift card will be too.
Heres a tip
Can You Use Visa Gift Cards On Dating Sites
Sdsa and transactions with funds remain on the number one week many cabbies do any gift their spouse on the match. Wal-Mart prepaid visa and loved ones to log dating. Recipients can be used at giftcards they have the credit sometimes people into sending money. Every prepaid visa gift cards. Once to activate my local convenience stores, and when you can use the remaining balance and processed electronically. Each time you can use it expires when traveling. Careers locations contact us. Although the gift card will appear to a visa gift card details such as the balance reaches 0.00 or trust and at benaughty? Agreement if you stay safe and dating activity will receive a pin for illegal or a. Based on online dating?
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How Can You Avoid Gift Card Scams
The Federal Trade Commission warns of gift card scammers who try to convince you to pay bills with gift cards . No legitimate organization will ever request payment through gift cards, so if you get a call asking you to do that just hang up immediately. You also shouldnt share your gift card information or PIN with anyone unless youre using it at a retailer or restaurant for a transaction.
If youve already fallen victim to one of these scammers you can contact the FTC to report it.
Additional Resources on Gift Card Scams
Prepaid Visa Activation Fees
A prepaid Visa activation fee is a fee that is charged to the buyer of the prepaid card to put value onto the card.; It occurs when you first purchase the card.; At grocery stores, it is typically a $4.95 fee on top of the amount on the gift cards. An example would be $25 + $4.95 activation fee.; Its a one-time fee and once it is paid you never need to do it again.; Not all cards charge an activation fee but many of them do.; This fee can range from $1.00 to $9.95.;
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How To Get Money Off Your Gift Card
Here is how to get money off a gift card.
The process is easier than you think. First, you have to check the balance on the card. This is so that you can determine if this is worth it or not.
Next, you are going to want to take your card to a gift card exchange kiosk. Follow the directions on the screen. Check over everything before you hit accept.
Take the receipt to the cashier and get your cash. Its like going to the CoinStar.
Alternatively, to get money from your gift card you can do the following:
- Sell your gift card.
- Use the gift card to buy an in-demand product and then sell the product.
- Buy money orders directly to pay yourself.;
- Trade your gift card for something else. This is similar to selling but you can get a different product for it in exchange.
How To Use A Prepaid Visa Card To Shop On Amazon
July 9, 2019
Valuable share: How To Use a Prepaid Visa Card to Shop On Amazon. You know those Prepaid Visa Cards that might only have $4.56 left on them? THOSE! And larger amounts too of course. And bonus: its a way to split payment on Amazon so that you can deplete that prepaid Visa card entirely. This is a little life hack which will make life easier
The bonus of Prepaid Visa Cards
Prepaid Visa cards are easy to give for birthdays, teacher gifts, etc You can buy them at the drug store, grocery store, heck even online and send it as an e-card! And practical too . However, they can be a bit of a pain to use.
Say you have a $50 card. You either buy something for $40 and have a bit leftover on your card. Or you find a store which will split payment and put $50 towards your buy + use another method of payment to top up the amount paid. It can be tricky.
But I found a way to use the card on Amazon in its entirety without even having to spend the total amount in one go!
Here is how to use a Prepaid Visa Card To Shop on Amazon
Short story: buy an amazon gift card with the Prepaid Visa Card. It saves in your account and will be used towards any future purchases. Its that easy.;
How to add a Prepaid Visa Card to your Amazon account
The amount shows up in your account as an Amazon Gift Card balance.
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Visa Prepaid Gift Cards
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Visa Gift Cards Are Sold In Some Banks
Another place to buy Visa gift cards is from your bank. Not all banks sell them, but those that do typically sell cards to existing customers at a competitive ratearound $4 for any load value.
The primary benefit of buying gift cards from a bank is that you may be granted additional security features such as the same protection that comes with the banks credit or debit cards. The downside is that you typically have to be an account holder with the bank in order to buy a gift card. Check your bank to see if you can buy gift cards and what additional benefits are given to existing customers.
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Can You Buy A Visa Gift Card With A Walmart Gift Card
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Yes. You can use a Walmart gift card to purchase any other gift card on their display. You could even in theory split YOUR gift card into smaller denominations of Walmart gift cards. the exception being prepaid monetary instruments, which are on the same display, but are not actually gift cards.
Likewise, can I use a gift card to buy a prepaid Visa? Because of this issue, sone merchants will only accept cash or checks for payment for a prepaid debit card. Incidentally, both WalMart and, to the best of my knowledge, Target will accept Visa and MasterCard-branded gift cards for purchase of a reloadable prepaid debit card.
Consequently, can you buy a gift card with another gift card?
Although not all stores will let you buy a gift card with a gift card, I have done it multiple times. Since there is no federal or state law governing whether or not a gift card can be used to purchase another gift card, each store is allowed to set its own policy. Make it a group gift!
Can I buy a vanilla gift card with a Walmart gift card?
If what you refer to as a vanillacard is sold at Walmart, you can buy it with a Walmart gift card. For example they sell Visa $25 gift cards; you can pay for it with a Walmart gift card as long as it has enough money on it to cover the face value, plus the charge and taxes for the Visa card.