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Axel Young
Axel Young

How To Buy Visa Gift Card With No Fee


Aside from random gift card purchases for birthdays or teacher gifts, some people also go out of their way to buy gift cards with a credit card, usually to earn rewards or save money on a specific purchase.




how to buy visa gift card with no fee


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Buying gift cards in person is a breeze regardless of how you decide to pay. When you buy a gift card with a credit card in person, you simply bring the gift card to the register and choose credit as your form of payment.


The scene is similar when you buy a gift card online and pay with a credit card. If you want to buy an Amazon.com gift card online, for example, you would simply head to Amazon.com and select whether you want a gift card mailed to you, one you can print at home or a gift card via email. From there, you add the gift card to your online cart and proceed to the payment page as normal.


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.


As a side note, buying gift cards from small businesses can also be a helpful move if you are looking for a way to help small businesses recover from the economic impact of COVID-19. By buying gift cards now, you can send businesses some much-needed cash and wait to redeem your gift card for goods or services at a later date.


Generally speaking, gift cards code as a cash advance when you buy them directly from a financial institution or when you buy a prepaid card instead of a gift card. However, you can get around this by buying gift cards within your normal shopping, such as in your weekly grocery haul at the supermarket.


You can also get around dealing with surprise cash advance fees by asking retailers if their gift cards code as a cash advance or purchase before you buy, or you can call your card issuer and ask them to turn off cash advances on your card altogether.


The best credit cards to use for gift cards are ones that let you rack up as much in rewards as you possibly can. With that being said, you should choose a credit card for gift cards carefully and based on the type of rewards you hope to earn.


The Blue Cash Preferred Card from American Express lets you earn 6 percent back on up to $6,000 spent at U.S. supermarkets each year (1 percent after that), 6 percent back on select U.S. streaming services, 3 percent back at U.S. gas stations and on transit and 1 percent back on all other purchases. You can also earn a $350 statement credit after you spend $3,000 in purchases on your new card within the first six months. A $95 annual fee applies.


Why this card is ideal for gift cards: Use this card for gift card purchases made at office supply stores in order to earn 5 percent back on up to $25,000 spent each account anniversary year.


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.


If you decide to use a credit card to pay your mortgage, make sure you have the cash in the bank to pay your credit card bill in full each month. If you let your balance linger and the interest starts piling up, any benefit of paying your mortgage with a credit card goes out the window, fast. Recurring late payments will not only put your mortgage payments at risk, it can destroy your credit.


While paying your mortgage with a credit card can seem like a pain, there are some scenarios where the added rewards are worth it. But, how do you pay your home loan with a credit card? Here are the two main options you could consider.


While you can use most credit cards with this service to pay bills like utilities and payments to contractors, there are only a few card types you could use to pay your mortgage specifically with Plastiq.com. These include Discover and some types of Mastercards. Your options may be limited if you have a different card issuer.


Another option is buying pin-enabled Visa gift cards with your rewards credit card, then using those gift cards to pay for money orders. Most people can buy pin-enabled gift cards at a grocery store, which can make sense if you have a grocery store credit card offering bonus points in this category. (Note that most cards will exempt any kind of gift card or cash equivalent purchase from earning rewards in their terms and conditions). From there, you can set up your PIN and use your gift card to purchase money orders from banks, a grocery store, Walmart or anywhere else money orders are sold.


Yes. Technically paying down your mortgage with a credit card is possible, but it is a complicated process. Mortgage lenders do not accept direct credit card payments, so you will need to find a workaround service like Plastiq in order to carry out the transaction.


Chauncey grew up on a farm in rural northern California. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. He remains most at home on a tractor, but has learned that opportunity is where he finds it and discomfort is more interesting than complacency.


*The Mastercard Wildlife Impact gift card is issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. This card may be used everywhere Debit Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark, of Mastercard International Incorporated. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.


In 2009, Congress passed the Credit Card Accountability Responsibility and Disclosure (CARD) Act, which set consumer protections for gift cards based on many state laws. The law provides that gift cards cannot expire within five years from the date they were activated and generally limits inactivity fee on gift cards except in certain circumstances, such as if there has been no transaction for at least 12 months. The federal law creates a floor for regulation and leaves room for state regulation on redeeming gift cards for cash and unclaimed property provisions.


"Gift certificate" means an obligation of a business association arising from a transaction between the business association and a consumer to provide goods or services at a future date; "gift certificate" includes a gift certificate, stored value card, gift card, on-line gift account, or other representation or evidence of the obligation of a business association.


"Store gift card" means a plastic card or other electronic payment device that is: (i) Usable at a single merchant or an affiliated group of merchants that share the same name, mark, or logo; (ii) Issued in a specified amount and may or may not be increased in value or reloaded; (iii) Purchased on a prepaid basis in exchange for payment; and (iv) Honored upon presentation by the single merchant or affiliated group of merchants for goods or services.


A person shall not sell or issue a gift certificate, a store gift card, or a general use prepaid card that is subject to an expiration date earlier than two years from the date of issuance or sale of the gift certificate, store gift card, or general use prepaid card.


A dormancy fee, an inactivity charge or fee, or a service fee shall not be charged on a gift certificate, a store gift card, or a general use prepaid card before two years from the date of issuance or sale of the gift certificate, store gift card, or general use prepaid card.


This article does not apply to unclaimed gift cards where the holder or issuer is a business association with annual gross receipts from the sales or issuance of all gift cards totaling $200,000 or less.


(b) A general-use prepaid card shall not include an expiration date relative to the underlying funds that are redeemable through the use of the applicable card, code or device. Notwithstanding the provisions of this subsection, a general-use prepaid card may include an expiration date with regard to such card, code or device, provided: (1) The following disclosures are made, in writing, on such card, code or device: (A) That such card, code or device expires, but that the underlying funds do not expire and that the consumer may contact the issuer for a replacement card, code or device; and (B) a toll-free telephone number and an Internet web site address, if one is maintained, that a holder of a general-use prepaid card may use to obtain a replacement card, code or device after such card, code or device expires, provided the remaining balance is not otherwise returned to the holder; (2) no fee or charge is imposed on such holder for replacing the card, code or device or for providing such holder with the remaining balance in some other manner, provided the card, code or device has not been lost or stolen; and (3) the seller of the card, code or device has established policies and procedures to provide consumers a reasonable opportunity to purchase a card, code or device that has not less than five years remaining until the card, code or device expires.


A linked prepaid card shall not include an expiration date relative to the underlying funds that are redeemable through the use of the applicable card, code or device. Notwithstanding the provisions of this subsection, a linked prepaid card may include an expiration date with regard to such card, code or device, including an expiration date contemplated by subparagraph (B) of subdivision (2) of subsection (a) of this section, provided: (1) The following disclosures are made, in writing, on such card, code or device: (A) That such card, code or device expires, but that the underlying funds do not expire, provided the purchaser of or individual who increases or reloads funds onto such card, code or device has not set an expiration date in accordance with said subparagraph (B), and that the consumer may contact the issuer for a replacement card, code or device; and (B) a toll-free telephone number and an Internet web site address, if one is maintained, that a holder of a general-use prepaid card may use to obtain a replacement card, code or device after such card, code or device expires, provided the purchaser of or individual who increases or reloads funds onto such card, code or device has not set an expiration date in accordance with said subparagraph (B); (2) no fee or charge is imposed on such holder for replacing the card, code or device or providing such holder with the remaining balance in some other manner, provided the card, code or device has not been lost or stolen or, if an expiration date has been set in accordance with said subparagraph (B), expired; (3) no fee or charge is imposed on the purchaser of or individual who increases or reloads funds onto the card, code or device for replacing the card, code or device or providing such purchaser or individual with the unexpended balance in some other manner, provided the card, code or device has not been lost or stolen; and (4) the seller of the card, code or device has established policies and procedures to provide consumers a reasonable opportunity to purchase a card, code or device that has not less than five years remaining until the card, code or device expires, unless the purchaser of or individual who increases or reloads funds onto such card, code or device has a financial account that is linked to such card, code or device and sets an expiration date on such card, code or device at not less than 90 days from the date of purchase or increasing or reloading at which time the unexpended balance and any accrued interest on the unexpended balance on such card, code or device shall be transferred to such financial account. 041b061a72


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