What is a VISA Gift card?
The VISA gift card represents the non-reloadable prepaid VISA card where additional funds cannot be added later. The initial value of money is set by the person who purchased the card.
The concept of monetary transactions and financial handlings have been improved and ameliorated than ever before. Previously, maintaining and securing a bank account and dealing with bank-related chores were challenging and nerve-wracking tasks. However, the accessibility and convenience of opening up bank accounts, interacting with bank tellers, dealing with transactions, cash withdrawals, credit or debit cash, and cashing the check have now become stress-free and less demanding. In addition to credit cards, debit cards, and ATM cards, customers can now get their hands on visa gift cards, innovation to make purchases quick and easier. It is a non-reloadable prepaid card in which the monetary amount is already set by the person who purchased the card.
The card owner needs to spend the exact set limit mentioned in the card, and new funds cannot be added later. A Visa gift card has a Visa logo, so the card is accepted at numerous locations, retailers, and manufacturers that accept Visa cards. It is also suitable to use for online purchases. It is an ideal way to be offered as a present for numerous occasions, including birthdays, holidays, weddings, or other special occasions. It is an alternative for gift-giving needs and a perfect replacement to use in place of cash. You can initially add the amount to be given, and the receivers of the card can spend it at any place or shop, depending on their preferences.
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 that falls 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 for an indefinite period of time. 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 an appropriate form of 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.
What online stores accept Visa gift cards?
Visa gift cards are accepted at stores where Visa debit card is accepted. Usually, most US stores accept Visa gift cards. However, sometimes Visa gift cards can be declined because of the high “pre-authorization” amount, so try to have always more than $5 or $10 on your balance.
Can you use a visa gift card at an ATM?
Yes, you can use a Visa gift card at an ATM. Usually, Visa gift card is accepted at ATM/POS terminals that display the Pulse®, NYCE®, Plus®, or Star® logos.
The visa debit gift cards can also be accepted for ATM transactions if they bear a Cirrus or are equipped with an Interlink logo. If the gift card is fortified with this logo, this card can also be used at any Cirrus/Interlink ATM. You have the authority to withdraw $150 per day or withheld the complete balance of the card, exhausting the maximum limit. To receive the money, these cards would require you to enter the personal identification number, which will be received once the card has been activated and properly registered. If the logos impact the card, you can also ask for cashback from merchants with an additional transaction fee of $3.25. There is also the implementation of $.35, particularly used for signature-based transactions, and a further $.50 for all PIN-based transactions.
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. 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 giftcards.com or by calling the toll-free number written on the back of the card. 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.
Can you use Visa gift cards at restaurants?
Yes, you can use Visa gift cards at restaurants. If the restaurant accepts a Visa debit card, it will accept and Visa gift card. However, try to balance more than $5 or $10 on the card because of the high “pre-authorization” amount.
The visa debit gift cards do not come with a personal identification number like the visa ATM cards. If, however, for some reason, the retailers ask for a PIN at checkout, then it is probably due to entering the wrong type of card. The card needs to be run as a credit card, therefore, eliminating the need for a PIN. If your card is stolen or reported lost, call 18779443822 and disclose the information necessary for retrieving the card. If you have not exhausted the entire limit of the card, then the intact amount can be transferred to a new card that can be issued to you. However, you need to pay $5 to avail of the service.
The visa debit card is equipped with a $2.50 fee applied every month. However, this fee is waived for the first six months. If the card owner plans to close the account and have the leftover funds returned, you need to pay seven dollars. If the card is being used at an international forum, you need to pay an additional 3% charge and a two-dollar flat fee. The card has an expiry date of two years after its purchase, and if there is a leftover balance in the card, then those funds can be transferred to a new card at the time of expiration, provided that the remaining balance is more than $25. The remaining funds can also be refunded to the cardholder through a check by writing an application. You should be aware of the remaining balance available on the card; otherwise, the card will be declined. The remaining balance and information regarding it can be acquired by calling the toll-free number or visiting the official website.