GIFT

CARD

100%

States

95%

Updated

HELP

Use the issuer URL or phone number printed on the card or packaging. Avoid search ads and lookalike domains, and never enter a PIN on third-party sites. Check the balance before a large purchase and keep the receipt and packaging in case you need support.

Federal rules set minimum protections for many cards, but expiration and fees depend on card type and state rules. Promotional or incentive cards can be different. Always read the issuer terms and check your state guidance.

Gift cards are typically closed-loop and tied to one retailer. Prepaid cards are open-loop, run on a network like Visa or Mastercard, and can be used more broadly, often with different fees and protections.

Some states require cash-out of small remaining balances, often between $1 and $10. Rules vary by state and issuer.

Stop using the card, check the balance on the issuer site, and request a balance history. Document dates and amounts, keep receipts and packaging, and contact the retailer if the card was recently purchased. Report suspected tampering or scams.

No. Government agencies do not request gift card payment for taxes, fees, or fines. Treat any request as a scam and verify by calling the official agency number.

Keep the receipt, packaging, activation slip, and card details. Take photos of the front and back and note the purchase date. This documentation is often required for replacement.

Replacement depends on issuer rules and proof of purchase. Save documentation and contact the issuer quickly. Some cards are not replaceable, but early action improves your chances.