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. The primary benefits of your card are:
It is usable online wherever Visa Debit Cards are accepted or in any U.S. webshop that accepts Discover® Cards.
This prepaid card is not a credit card, thus not affecting your credit rating, nor is it attached to your bank account.
Its 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.
Can You Earn Credit Card Rewards Doing So
One major benefit of using a credit card to pay for gift cards is the fact you can earn rewards on your purchase. If you plan to give someone a $50 gift card for their birthday, for example, you could buy a gift card with plastic and earn points or cash back on that purchase, whereas you wouldnt earn anything if you gave them a $50 bill instead.
Just make sure you pick the right type of rewards credit card for your gift card purchases. Some rewards credit cards only let you earn cash back, while others offer flexible rewards or points you can use in a specific airline or hotel program.
How Can I Cash In A Gift Card
If you are looking for ways to exchange your gift card for cash, you can actually do that online. One of the faster and legit ways you can get cash for a Visa gift card is by selling it on platforms such as Gift Cash.
With this site, you can sell your unwanted gift cards by submitting the gift cards corresponding merchant and balance. After that, Gift Cash will submit an offer to you, and if you accept the offer, they will process your payment and send you cash.
You can also check out selling your unwanted gift cards on Gift Card Granny. This site has been seen in Forbes, NBC News, Oprah Magazine, and much more.
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Prepaid Vs Gift Cards
A gift card is essentially like cash you can only spend at a specific store. You use the card until the balance is gone and then discard it, though some retailers allow you to add more money to the card so you can continue spending with it. Not all stores allow you to reload existing cards, and there’s a chance the store could give you a new gift card every time you want to add money. One red flag to look for are fees, as gift cards shouldnt have any. If a retailer tries to charge you a fee for using a gift card, we recommend using another method of payment or simply shopping elsewhere.
Prepaid cards are designed to be reloadable, and as such, they sometimes carry fees. These vary by card, so its important to read the fine print if you go this route. These cards are often available from credit card companies like Visa and can be used on everyday expenses. Wallet Hub found prepaid cards can cost a person up to $311 per year in fees though, so if you can, you should opt for cards directly from a bank because they have fewer fees and a more secure guarantee. Or, you can avoid this quagmire altogether and opt for a gift card. If the person can’t find anything at the store it’s good at, they can use a gift card exchange to swap it for one theyll love!
What Visa Gift Cards Can Be Used At An Atm
If you currently have a Visa gift card and want to know if you can use it directly at an ATM, the short answer is no. Because these types of gift cards are coded to be used in stores or at restaurants, you cant directly get money from an ATM from them.
You can, however, use some of the methods listed in this post such as selling the gift cards for cash on places such as Facebook Marketplace or Gift Card Granny.
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Costco Anywhere Visa Card By Citi: Best For Gas Stations
The Costco Anywhere Visa® Card by Citi doesnt charge an annual fee when you have a Costco membership , yet youll earn 4 percent back on the first $7,000 you spend at eligible gas stations each year , 3 percent back on restaurants and eligible travel purchases, 2 percent back at Costco and on Costco.com and 1 percent back on other purchases. You do need to be a paid Costco member to qualify.
Why this card is ideal for gift cards: This card lets you earn 4 percent back on gift cards purchased at gas stations, up to annual limits. Costco.com and Costco stores also offer a broad selection of gift cards you could earn 2 percent back on, including gift cards offered at a discounted rate.
Buy Gift Cards With Personal Checks
If you want to purchase a gift card with a personal, paper check at a brick-and-mortar shop, there are a few something you should know. Generally, you will require providing a valid photo ID, and the statement will need to clear ere you can use the gift card.
Individual stores may have various policies, so it may be deserving of contacting the store you plan to encourage and find out its policy before buying a gift card with a paper check. We contact customer service representatives from various national chains and found that the following significant retailers will enable you to buy gift cards with personal checks:
- Big Lots
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Protection For Unauthorized Purchases
Use your Visa card to make purchases anywhere and you’re protected from unauthorized use of your card or account information. With the Visa Zero Liability policy1, your liability for unauthorized transactions2 is $0-you pay nothing.
1 Visa’s Zero Liability Policy covers Canada-issued cards and does not apply to anonymous Visa Prepaid*, Visa Purchasing, Visa Corporate, Visa Commercial, or any transactions not processed by Visa. Visa Cardholders must notify their financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please refer to your issuer cardholder documentation.
*A Visa Prepaid Card will be considered anonymous if the cardholder’s identity has not been validated by the issuing financial institution .
2 Financial institutions may exclude from the Zero Liability policy a transaction made by a person authorized to transact business on the account and/or a transaction made by a cardholder that exceeds the authority given by the account owner.
Visa Travel Card Features
- 24 hour cash access. Use your Travel card to make purchases worldwide at merchants that accept Visa or obtain local currency at any ATM that displays a Visa symbol.
- Variable purchase amounts. Visa Travel cards can be purchased in any amount .
- Multiple Cards. You can purchase additional cards that allow you to access the same funds. Each additional card will have its own unique PIN. You can give them to travel companions, or keep them as instant replacement cards in case your card is lost, stolen or damaged.
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Chase Freedom Unlimited: Best For Drugstores
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.
Pay Your Bills With Your Visa Gift Card
Some companies actually allow you to use a visa gift card to pay your monthly bill.
If you arent sure if you can use a Visa gift card to pay one or more of your monthly bills, call the customer service team of the bill you are looking to pay. All you have to do is ask them if they do and go from there.
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Can I Sell A Visa Gift Card To Other People
Yes, if you choose to, you can definitely sell a Visa gift card that you have and dont want to other people. Places such as Facebook Marketplace and Gift Cash let you sell your unwanted gift cards and get cash for them.
You can even sell them to your family and friends if you dont want them. If selling online isnt your thing, try asking family or friends if they would be interested in your Visa gift card.
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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.
Cardcash: Best For Sellers
Reasons to avoid
While it offers up to significantly large discounts on vouchers for big retailers, the reality of CardCash is often disappointing with often less than a percentage off full retail price – which really isnt worth the bother. If you are able to find a good deal, though, then there is a welcome 45-day guarantee on all purchases.
However, if youre looking to sell your gift card you might be in for more luck. The rates offered by CardCash were higher than most competitors, making them a good option if you want to sell your gift card for as much as possible. The option of PayPal and direct debit payments also mean you can have this money in a matter of days, which is faster than most other gift card exchange companies.
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Want To Get A Visa Gift Card
A smart gift anyone can appreciate.
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.
You will receive important information regarding the Visa Gift card such as how to activate and use the card. This information should be given to the recipient of the card.
Raise: Best Gift Card Exchange Overall
Reasons to buy
Reasons to avoid
Raise has a well-designed gift card exchange website. The layout is clean and modern and it’s clear where to go to buy, sell and earn rewards. The free mobile app has the same feel and is equally easy to use. One thing we really liked about this exchange website is the shopper guarantee. For an entire year from the day you purchase a gift card, Raise will refund your purchase price if the cards if you’ve been waiting for a physical card to arrive, it has an incorrect balance or is just simply not the card you ordered.
Raise offered us good money for our gift cards, and had deals on top retailers with an additional option of cashback where gift cards werent available. You’re promised around 85-90% of the value when exchanging gift cards for cash, which is low among exchange sites. However, we found during tests that the final amount we received was comparable to other sites, which can levy hidden fees.
You can get paid via PayPal, direct deposit, and a check in the mail . Coupled with an impressive A rating from the Better Business Bureau, this is the gift card exchange company wed recommend.
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How Do I Turn My Vanilla Visa Gift Card Into Cash
The Vanilla gift card is a Visa prepaid gift card that is available for purchase in amounts from $10 to $500. Its great for special occasions and a great gift to give to people if you arent sure what to get them for an occasion.
Similar to a regular Visa gift card, if you are looking to convert a Vanilla Visa gift card to cash, you can use all the options recommended in this post to get started. So even though you cant get money directly from a Visa Vanilla gift card, you can use the options in this post.
The One Big Catch: Insufficient Funds
This is the most common issue people have when using Visa gift cards online. So whats the problem?
Well, using a Visa gift card online is a little different than using that same gift card in a store.
When you go to the store with a $25 Visa gift card and buy something thats $30, the cashier would use the Visa gift card and then ask for a second form of payment for the remaining $5. This is known as a Split Tender Transaction.
Unfortunately, almost no online merchants are set up to accept Split Tender Transactions. This means if you attempt to buy something that exceeds the value on your Visa gift card youll get an insufficient funds error.
There are some hacky ways around this that allow you to use a Visa gift card for partial payment.
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About Visa Gift Cards
Visa is the world’s most widely-accepted credit card company. They help over 200 countries connect people, governments, businesses and financial institutions. From financial inclusion to advancing digital currency, Visa offers its consumers and clients secure and cutting edge solutions to their financial needs.
Get the best Visa gift card deals when you shop Gift Card Granny. We take pride in our customization options, ease of ordering and speed of delivery. You can also save on the go with our mobile app!
Send a prepaid Visa gift card to anyone, for any occasion. Simply select a traditional plastic gift card or an eGift card that the recipient can download for immediate use. Usable to make purchases on anywhere* that accepts Visa as a form of payment.
How Can You Buy Gift Cards From A Bank Branch
If online banking is not your thing, you can walk into a bank branch, request for a Gift Card application form. You must fill out all the knowledge requested in the state, like your personal details, contact information, information about the recipient, and payment mode. This form also duplicates up as a consent form that empowers the bank to debit the gift amount from your account.
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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.
Link Your Cardcash Account
Card cash is the only site we observed that enables you to purchase gift cards online with your checking account, and it also permits you to buy them at a discount. To make payment with a checking account on CardCash, you will first require creating an account, and you will need to have completed at least three transactions on the site.
You can then send a copy of your driving license, the email linked to your checking account, and a written solicitation for ACH access to . CardCash will examine your application. If you are encouraged, you will be able to purchase gift cards directly from your checking account.
Moreover, CardCash allows you to link your PayPal account to make a business checking account with bad credit and pay for gift cards like the sites listed below.
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Activate Your Visa Gift Card:
First, you have to make sure youre Visa gift card is activated. If you bought it in a brick and mortar retail store then your gift card was most likely activated when you bought it at the cash register.
If you bought your gift card online it is possible that you have to activate it. Normally all you have to do is go to the website thats printed on a label stuck on the card and enter the 16 digit number along with the security code. You may have to call the 800 number printed on the gift card if there is no website.
Not sure if youre Visa Gift Card is already activated?
Just go through the process of activating your card again. It wont hurt and youll know for sure if its already activated or not.