The following gift cards are projected to be the most popular among consumers this holiday season, according to WalletHub data. You can also see how the most popular gift cards have changed over the years.
Shipping or Purchase Fees (5 points): Any amount spent on fees for purchasing and shipping a physical gift card reduces the amount you can allocate to the gift itself and eats away at any discount you were able to obtain.
Yes, you can buy Visa gift cards with a credit card online through Visa and at some stores. Retailers such as Walmart, Staples, and Target allow people to buy Visa gift cards using a credit card, while others, like the grocery chain Giant, only let people buy Visa gift cards using cash or debit cards.
Some stores may not allow gift cards to be purchased with a credit card because they frequently had people buy gift cards with counterfeit or stolen credit cards. You should check beforehand with a store to see whether a credit card payment is acceptable when buying a gift card.
Getting a Visa card costs as little as $0, depending on the type of Visa card you get. Visa gift cards often have a one-time fee of $2.95 to $6.95 at the time of purchase, based on the gift card's value, whereas most Visa debit cards and credit cards cost nothing to get. Some Visa credit cards charge an annual fee for the privilege of owning the card, though, and the checking account a debit card is tied to may have monthly maintenance fees.
It's important to note that if you get a Visa card, there may be additional transaction-based fees. For example, if you complete a balance transfer or take out a cash advance with a Visa credit card, you will likely pay either a flat fee or a percentage of the transaction amount, whichever is higher.
Bear in mind that Visa is a payment processing network and doesn't decide the fees, interest rates or rewards associated with specific cards. Instead, Visa partners with banks and credit unions, and each sets its own card terms, ultimately determining how much a Visa card could cost you.
Yes, it is possible to buy a Vanilla Visa with a credit card, but it depends on the type of the card you want and where you decide to buy it from. More specifically, there are two types of Vanilla Visa cards:
You can buy a Vanilla Visa Gift Card with a credit card online, through vanillagift.com, as long as your card isn't on the Mastercard network. More specifically, they accept cards from the rest of the four major credit card networks (Visa, American Express, etc.) as a payment method.
You can also buy a Vanilla Visa Gift Card in-store, at participating merchant locations. However, there is a chance the merchant doesn't accept credit cards as a payment method. Some popular merchants that accept credit cards for gift card purchases are CVS, Walmart, and Walgreens.
One of my favorite deals is back! Staples is selling $200 Visa gift cards without any purchase fees. These gift cards act like debit and credit cards, and you can use them anywhere Visa is accepted.
For the week of 3/5 to 3/11, Staples is offering the $200 Visa gift cards with no purchase fees. This is available in-store only. Typically, these $200 gift cards come with a $6.95 activation fee per card.
Visa gift cards are an ideal gift for any recipient, regardless of the occasion, because they can be used hassle-free by customers, employees, friends or relatives at participating retailers and online stores. Look for Visa gift cards that do not feature activation fees so the recipient can apply the full value of the card to their purchases.
Navy Federal Credit Union offers Visa gift cards to their members. They are available in increments ranging from $15 to $500, and the funds never expire. In the event your card is lost or stolen, you can request a replacement card if funds remain on the original card.
The TD Bank Visa Gift Card is offered to account holders and can be used anywhere Visa cards are accepted. This non-reloadable gift card is available in amounts ranging from $25 to $750 and comes with a PIN for security purposes. Although no activation fee applies, the card may be subject to an inactivity fee if no transactions are made for 12 consecutive months.
The Bank of Ozarks Visa Gift Card is available to account holders and can be used online and anywhere Visa cards are accepted. These non-reloadable gift cards can be purchased in amounts ranging from $10 to $1,000 and funds never expire. A replacement fee of $5 applies if your card is lost or stolen. Furthermore, you will be assessed a monthly fee of $2.95 if the card is dormant for 12 consecutive months.
Check with your local bank or credit union to find out if Visa gift cards without activation fees are available for you to purchase. Many financial institutions offer these products to existing customers, and if you can purchase locally, you may be able to avoid a shipping fee.
Although Visa gift cards with no activation fees enable recipients to access the listed value from inception, other fees and conditions may apply. Review the terms and conditions closely to make sure you fully understand any other costs or restrictions associated with the card before making a purchase decision.
The Visa Gift card is an ideal choice for birthdays, holidays, weddings, and suits all your gift-giving needs. It's also perfect for people of all ages. You decide how much money to give; they decide where to spend it.
The Visa Gift card is a prepaid card welcome everywhere Visa cards are accepted. Visa Gift cards are loaded with a set amount of funds and can be used for multiple purchases for as long as value remains on the card. Giving a Visa Gift card puts the power of choice in the hands of your friends and family.
Yes. You can use your Visa Gift card anywhere Visa cards are accepted. Just always ensure that the remaining balance on your card will cover the amount of your planned purchases. If the remaining balance doesn't cover the entire transaction, let the merchant know how much funds you have remaining. The merchant may split the transaction and allow you to pay for part of the purchase using your Gift card, and then the remaining part of the purchase with another form of payment such as credit, debit or cash.
Yes. Your Visa Gift card is intended for use anywhere Visa cards are accepted. To make an online or phone purchase, you will need to register your card. You can do this by either calling the provider, or by visiting their website.
The Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act provides several protections for consumers who purchase certain types of gift cards, including store and restaurant (also known as merchant) gift cards. These cards can only be redeemed at the stores and restaurants that sell them. Bank gift cards, which carry the logo of a payment card network (e.g., Visa, MasterCard), are also subject to Credit CARD Act protections and can be used wherever the brand is accepted.
Under the law, a gift card cannot expire until at least five years from the date it was activated. The law also places general limitations on fees. For instance, the card issuer cannot charge a dormancy or inactivity fee on a gift card unless there has been no activity for one year and the card clearly states its policy toward that fee. In addition, some states have separate laws that provide added protection in certain circumstances.
Another common scam is someone who poses as an attorney for a family member and claims that the family member is in trouble with the law and needs assistance. They contact you by phone or email, and ask you to purchase gift cards in specific amounts to pay them. These are all red flags to a scam, and once you purchase the gift cards, the scammers will tell you to provide them with the code numbers and PINs that are usually located on the back of cards so that the scammer can redeem them. 59ce067264