Wednesday, May 18, 2022

Can You Use Visa Gift Cards At Gas Stations

What Are Visa Prepaid Gift Cards

How To Use Vanilla Visa Gift Card At Gas Station

Not everyone understands exactly what a prepaid card is and how they work differently from closed-loop gift cards so lets start with a clear definition of a prepaid or open-looped gift card. According to the Incentive Gift Card Council , an open-loop card or prepaid card is purchased with a set denomination that can be redeemed at any merchant that accepts the credit platform such as Visa, Mastercard, American Express, and Discover. These cards can be debit or credit cards depending on the product and issuer of the card.

A Gas Station Stole $75 From My $100 Visa Gift Card What Can I Do

On Wednesday night, I stopped my a local gas station and was going to but $20 in gas from the $100 Visa Gift Card my friend had given me for tutoring his brother. I couldn’t use it at the pump as it has to match with the zip code and with it being a gift card, it didn’t match up. So I go inside to use the card and the clerk tells me it was declined. I thought nothing of it at the time, as I thought I might have to activate it or it wouldn’t take it since I had just tried using it at the pump. So I end up buying gas with my credit card.

Fast Forward to today. I spent $19 on the card later that night and had not used it since. I was buying myself lunch today which totaled $7.76. I tried to use the card and it was rejected for insufficient funds. I WAS PISSED. I go home and check the balance online. Apparently almost exactly one hour after I left the gas station Wednesday night, someone charged $75 to it.

I know it was at the gas station as the online balance shows as much. I am sooooo pissed right now, but I don’t want to do anything rash. After talking to my father, I’m going to go demand my money back tomorrow and threaten to call the cops and/or a newspaper if it’s not corrected. Is this the right direction to go? Any suggestions?

EDIT: Thanks for the info guys. I was just pretty pissed to find myself out $75. Obviously I was overreacting.

Where To Buy A Visa Gift Card

Visa gift cards are popular and for good reason. Theyre a versatile gift as they can be used anywhere Visa is accepted. Whether youre at the grocery store, a fine dining restaurant, or at your favorite department store, you can swipe a Visa gift card during check out to help pay for your purchase. But do you know where to buy a Visa gift card?

If youre need of some guidance, let the team at Gift Card Granny help you. Weve compiled a list of where to purchase Visa gift cards online as well as in-store. Plus, weve included some additional information, so you know what to expect when you buy one.

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Paying At Pump Or In Store May Affect Earnings

Anecdotally, some card users have reported on various websites that they have used the Citi Costco cards at QuikTrip and Circle K and received the full 4 percent. Sometimes, there is a different MCC for paying with a card at the gas pump as opposed to walking inside and paying, so if you go in to pay, that might explain why you are not receiving the 4 percent cash back at certain gas stations although in some cases you can receive the 4 percent at the pump and inside the store.

Tip:Sometimes, there is a different MCC for paying with a card at the gas pump as opposed to walking inside and paying.

It would be nice to think that there is nationwide consistency in how these rules are applied, but thats just not the way category bonuses work. Unfortunately, sometimes its just a matter of trial and error.

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The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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Is There A Universal Gas Card

Visa gift card gas station

When it comes to universal gasoline credit cards, you have the opportunity to choose from a wide selection of cards. You may choose to apply for a fuel only card or a fuel and vehicle maintenance credit card. There are also universal gasoline cards specifically designed for businesses and corporations.

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Can You Use Visa Gift Cards At Gas Stations

Yes, you can use Visa gift cards at a gas station. However, gift cards can get declined at gas stations if you have a low balance because banks will not allow gift cards to be overspent, and they set a high pre-authorization amount. Therefore, you should always have more than $10 on the Visa gift card.

To use the card at various locations, you must activate it for smooth operations. The activation can be done on or by calling the toll-free number written on the back of the card. First, you need to mention the 16 digit card number written on the front and the three-digit card verification number labeled on the back of the card. After that, you must enter the activation code, which would be provided to you by the individual or company who provided you the card. You need to activate the card before use initially, and this would not be possible without the activation number. Due to security reasons, the official website and the customer care representative will not provide it.

Tips On Obtaining Selecting Prepaid Debit Cards

Prepaid debit cards are easy to get. All you need is cash to meet the minimum load requirement. If you decide to purchase a prepaid debit card, keep these tips in mind:

  • Look for a card that provides you with a lot of benefits and options. Examples include the ability to receive direct deposits, reload funds from your bank account and make ATM withdrawals.

  • Inquire about fees. Some companies will charge you a fee to activate the card, a fee to use the card, a monthly fee, and ATM fees. These fees are deducted from your balance. For example if you get a prepaid VISA card for $250 and have an activation fee of $10, your available balance will be reduced to $240.

  • Check with theBetter Business Bureau to verify if the card issuer is reputable. Remember, the store that sells the prepaid card is not the issuer of the card. You will find the name of the issuing financial institution on the card itself.

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Blue Cash Preferred Card From American Express

If getting cash back is your thing, then you might want to consider the American Express Blue Cash Preferred Card. You will receive 3% cash back at U.S. gas stations, and theres no limit on how much you can earn. Getting approved for the card will get you $150 after you spend $3,000 within the first six months, plus you can get 20% cash back on all Amazon purchases in the first six months up to $200. Both come in the form of a statement credit. This card has a $95 annual fee, waived for the first year, and a 0% APR for the first year.

Can You Get Gas With A Prepaid Debit Card

How To Use Target Visa Gift Cards At Gas Station

Prepaid cards look like credit cards and spend like credit cards but theres no credit behind them. Because prepaid cards are associated with major card networks Visa, MasterCard, American Express and Discover they can be used anywhere debit cards can: to buy groceries, gas up your car, even pay bills online.

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Why Cant I Buy Stuff Online With My Visa Gift Card

If you have a problem using your gift card for online or telephone purchases, the most likely reason is that the merchants fraud screening process is matching the billing information entered at checkout with the billing information on your gift card account. If the addresses dont match, the card may decline.

Then The Transaction Is Settled

When the transaction from the pump is later settled, the temporary hold on your funds is released and replaced with a charge for the actual amount of the fuel purchased.

Although this process happens every time you use a card at the pump, most people dont even notice it because the charges are settled for the actual purchase amount before they check their bank statements. But gift cards, handled this way, may pose a problem. Even though your gift card may have enough to cover the actual gasoline purchase, the card will be declined if it cant cover the guestimate made by the machine.

The primary reason that gift cards get declined at gas stations is that banks will not allow gift cards to be overspent therefore, a pre-authorization charge greater than the balance of the gift card will be denied. Although you may drive up to the pump intending to use $40 of a $50 gas station gift card, the pump will still try to charge the standard pre-authorization amount. If the temporary hold amount is greater than your gift cards value, the entire transaction will be declined.

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Where Can I Use A Visa Gift Card

Visa gift cards can be used anywhere where Visa cards are accepted. Visa gift cards can be used at ATMs, online, in stores, restaurants, etc. Visa gift card owners can buy products and services as same as using an ordinary Visa card.

Gift cards act like prepaid cards that are the categories of plastic money and are conveniently used to make purchases. Nowadays they are becoming gradually popular as alternatives for gifts and presents. The recipient enjoys a versatile way to spend the funds and purchase any item under their liking and preference. The difference between prepaid cards and gift cards is that the former can be re-loaded after finishing the set amount and used indefinitely. The latter is a one-time purchase and is discarded after spending the total amount on the card and exhausting the monetary threshold. The visa debit gift card is considered convenient because it can be used in stores and online shopping. Not only that, but the card can also be used in different stores, gas stations, restaurants, medical offices, and online platforms, therefore, covering a variety of locations. The visa-embedded logo card is practically accepted worldwide by all merchants therefore, the visa gift card is appropriate for plastic money. The only platforms that are unwilling to accept the cards are online gambling sites, PayPal, and money wire transfer services. It can also not be used for frequent bill payments.

Try This Trick Instead

How to Pay for Gas with a Gift Card

Fortunately, theres a great work-around used by savvy snowbirds that works most of the time:

  • When asked for your zip code, try entering the three numbers in your postal code and adding two zeros. For example, if your postal code is M9Z 4X3, you would enter 94300 as your zip code.

Try itit usually works!

Having said that, if you want to save money and make your life easier, you may want to consider ditching your Canadian credit card while in the U.S. and opting for a cross border banking solution instead.

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Do Visa Gift Cards Expire

Despite the fact that most cards have a five- to seven-year expiration date, the money never runs out. However, it has been seen that even if you tell the cashier ahead of time that you want to use two forms of payment, a card with a very low balance may be denied at check-out. Visa recommends contacting the issuer for more guidance if this occurs.

If the cards expiration date on the front passes, you can request a replacement from the original issuer. If a card is inactive for a specific amount of time, the issuer has the discretion to charge a monthly fee. For example, after 12 months of inactivity, TD bank levies a $2.50 monthly fee.

Why You Might Think Your Gift Card Got Over

Suppose, instead, that you drive up to a gas station with a gift card worth $100, but only intend to use $40 towards the purchase of gasoline. As long as the pre-authorization charge is less than $100, the transaction will be approved and you can manually stop the gas pump when it reaches the $40 limit that you set for yourself.

Though, in your calculations, there should be $60 remaining on the gift card, the pre-authorization charge may have temporarily used up more of the balance than you know. If you drive from the gas station to a restaurant and attempt to use the $60 remaining balance before the pre-authorization charge on the card is reconciled, the restaurant transaction may decline. The $60 balance will be restored when the transaction is settled, but you might think the gas station over charged your gift card or that the gift card no longer works in the meantime.

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How To Activate Your Card

Visa Gift cards can be used for purchases just like you use your other cards. Many Visa Gift cards are activated automatically upon purchase and may be used immediately. However, some cards must be activated before they can be used. Follow the activation instructions provided by the issuer with your card.

Sign within the designated area on the back before making your first purchase to help prevent someone else from using the card. Keep a record of your card number and the issuer contact information in a safe place, separate from the card in case of loss or theft.

Do I Need A Gas Station Credit Card

Using Your Vanilla Visa at the Gas Station

Not necessarily. Many everyday rewards cards include gas as a category in their offered rewards, usually around 3% back on your gas purchases. The main advantage to getting a gas-specific rewards card is higher earning rate on those gas purchases. The tradeoff is youre usually restricted to certain gas stations, or theres an earning cap on your maximum gas rewards each year.

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Prepaid Visa Dormancy Fee

Instead of a monthly fee, some cards charge a dormancy fee if your account isnt used during a specific timeframe. For example, you make a purchase on 1/1 for a little New Years Treat. You dont use the card again until 4/1. The card has been inactive for 90 days and if dormancy fees apply, you will be charged a small fee like $3.95. Every 90 days it is unused, you will continue to be charged a fee.

Bank Of America Customized Cash Rewards Credit Card

Another option for cash back is the Bank of America Customized Cash Rewards Credit Card. You will receive 3% cash back on purchases in the category of your choice: gas, online shopping, dining, travel, drugstores, or home improvement/furnishings. Obviously, choose gas. You also get 2% at grocery stores and wholesale clubs for the first $2,500 of purchases each quarter. After that, everything comes with a 1% reward. The sign-up bonus for this card is a $200 online cash rewards bonus after you spend $1,000 in the first 90 days. Another plus: no annual fee.

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Visa Gift Cards Containing Only A Few Dollars Can Be Difficult To Use At Restaurants Gas Stations: Money Matters


Q: I have $4.49 remaining on a non-reloadable Visa gift card. When I tried to use it at one of my usual restaurants, I told my usual wait staff to use up the remaining balance and then I would pay the rest in cash. It was declined. I called the card issuer’s toll-free number.

I was told that with restaurants and other establishments that take tips, the gift card issuers’ system automatically puts a temporary hold on the amount being charged of an additional 20 percent. So that additional 80 cents caused the card to be declined. Even though the staff knows I always tip in cash. Why can the gift card companies get away with this?

E.H., Chesterland

A: I don’t think this is a case of anyone getting away with anything. Non-reloadable gift cards and prepaid debit cards just come with some quirks, including that you shouldn’t use them at places like gas stations or restaurants or other merchants where the final total isn’t known up front.

In the case of gas stations, even if the Visa gift card had $100 on it, the station could put a hold on it for $50 or $75, even if you bought only $20 in gas. The unpurchased amount wouldn’t be released back to your card for a day or two, in some cases.

And you encountered one of the reasons why it can be tricky to use a Visa gift card or prepaid debit card at a restaurant.

As far as where to use it: The grocery store is good place. They’re good at splitting bills between multiple forms of payment without hassles.

Can I Use Vanilla Gift Card At Restaurants

Relentless Financial Improvement: Get rewarded for ...

You can use your Vanilla Gift Virtual Account with any United States-based online, phone, or mail-order merchants wherever Visa debit cards are accepted.

Although the cards can be used at millions of retailers where Visa debit cards are accepted, both online and offline, there are times when purchases are declined. For example, a Visa gift card I received was disabled at gas pumps. I had to go inside the station to use it. Restaurants can also be tricky.

Moreover, Can you take the money off a Visa gift card?

If you have a Visa gift card and are wondering if you can get cash from it, the short answer is probably not. Though the two cards are similar, only prepaid cards can be used to get cash from an ATM or to get cash back from a merchant. Gift cards cannot.

Secondly, Where can you use Visa gift cards?

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 doesnt cover the entire transaction, let the merchant know how much funds you have remaining.

Simply so, Can you use a prepaid Visa card at a restaurant?

Do prepaid Visa cards work at gas stations?

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