The GiftCards.com™ Visa® Debit Gift Card is a prepaid debit gift card that can be used anywhere Visa® Debit Cards are accepted. The cool thing about this card is that you can design your own card or you can choose from one of the many unique designs they provide. The card works similar to a prepaid card in that each time you use your gift card, the purchase amount is automatically deducted from your balance. You have to keep track of your own balance and you can do so through their website.
Gift Card verse Prepaid Card
First, it needs to be clear that this is not a prepaid credit card, although it looks like one and in some cases works similar to one. The cards provided by GiftCards.com are prepaid gift cards which are different from prepaid credit cards. The main difference is that the cards can not be reloaded like traditional prepaid cards. There is a fixed amount that is loaded to the card by the purchaser and once the amount on the card is used then the card can not be used again. However, the company does provide reloadable cards to their corporate clients. Another difference with this gift card is that there is an expiration date. You have to use the card before it expires or you lose out on the funds. In the event your gift card is lost or stolen, you should call the company immediately at 1-877-944-3822. They will try to deactivate the lost or stolen card and reissue you another one.
Designing Your Card
The coolest thing about this card is that you can design your own card. You can add your own picture, logo, design, or whatever you want to the front of the card. You can also create multiple cards using the image of your choice. If you can not come up with your own image then you can choose from one of the hundreds unique predesigned cards they offer.
Using The Card
The card can be used at any merchant that accepts Visa Debt Cards. There are some special situations that you might need to know about which are highlighted below:
- Pay Bills: You can pay a bills with your gift card, but you have to go through the giftcards.com site. You basically have to print a form from their site, mail your bill and gift card to them, and from there they pay your bill. If for some reason the bill and gift card does is not receive they do not replace it. This does not sound like the best and most efficient way to pay a bill, but nevertheless it is available.
- Online Gambling:
You can not use the Visa® Gift Cards for online gambling. If you try to the transaction will be declined. Other locations that GiftCards.com™ Visa® Gift Cards can not be used are at money gram services such as Western Union, PayPal accounts, adult websites, and for repeating bill payments.
- ATM Withdraws: If you have purchased or were given a GiftCards.com™ ATM Visa® Gift Card you can withdrawal cash from any ATM that displays the Cirrus and/or Interlink logo. You may withdraw up to $150 per day using the GiftCards.com™ Visa® ATM gift card. Funds cannot be withdrawn beyond the available balance.
- At The Pump: When using our gift cards at a gas station, it’s best to take the card inside & have them run the card at the register. The reason is because the final amount of your gas purchase is unknown at the time you swipe your card, the gas pump automatically places a $50-$75 authorization hold on the card in order to anticipate your final purchase amount. The actual price will be finalized and any unused funds will be added back to your card in 3-5 business days.
There are fees associated with this card that you need to know about. Below is a chart that highlights the fees you will incur when you purchase a card. For a list of the complete fees and charges you should see the giftcards.com site.
|Card Value||Gift Card Purchase Fee||Create A Card Fee|
|$20 to $74.99||$3.95||$4.95|
|$75 to $249.99||$4.95||$5.95|
|$250 to $500||$5.95||$6.95|