Can You Buy Gift Cards With A Credit Card?

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“Can I purchase a present card with a bank card?” is a typical query amongst customers, and you need to know the reply is a powerful sure.

There are various causes to purchase present playing cards with a bank card, together with for comfort. When you’re shopping for groceries on the grocery store and planning to pay with plastic, for instance, there’s no purpose to not add a present card you want for an upcoming occasion to your cart.

Except for present card purchases for events like birthdays or trainer items, some folks purchase present playing cards with a bank card to earn rewards or lower your expenses on a selected buy.

For instance, Disney fanatics would possibly purchase present playing cards to Disney parks once they’re on sale at Costco shops, after which use them to cowl a part of a visit.

purchase present playing cards with a bank card

Shopping for present playing cards in particular person is a breeze, no matter the way you resolve to pay. Merely carry the present card to the register and select credit score as your type of fee.

The scene is comparable whenever you purchase a present card on-line. If you wish to purchase an Amazon.com present card on-line, for instance, go for a bodily present card that may be mailed to you, an digital present card you may print at house or a digital present card you may redeem by way of e-mail. From there, add the present card to your on-line cart and proceed to the fee web page as regular.

Are you able to earn bank card rewards?

Sure. A serious good thing about utilizing a bank card to pay for present playing cards is rewards earned in your buy. When you plan to provide somebody a $50 present card for his or her birthday, for instance, you might purchase a present card with a bank card and earn factors or money again on that buy.

That stated, be sure to decide the precise kind of rewards bank card to your present card buy. Some rewards bank cards earn money again, whereas others provide versatile rewards or factors you need to use in a selected airline or resort program.

You can even search for playing cards that provide bonus rewards in particular classes that may embrace present card purchases. For instance, the Blue Money Most popular® Card from American Categorical is a stellar choice for getting present playing cards at U.S. supermarkets because it earns:

• 6% Money Again at U.S. supermarkets on as much as $6,000 per 12 months in purchases (then 1%).
• 6% Money Again on choose U.S. streaming subscriptions.
• 3% Money Again at U.S. gasoline stations and on transit (together with taxis/rideshare, parking, tolls, trains, buses and extra).
• 1% Money Again on different purchases.

In the meantime, the Chase Freedom Limitless® is one other strong choice when you purchase present playing cards at drugstores, because it earns:

• Get pleasure from 5% money again on journey bought by way of Chase Journey℠, our premier rewards program that allows you to redeem rewards for money again, journey, present playing cards and extra.
• 3% money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service.
• 1.5% money again on all different purchases.

In case you have a small enterprise, otherwise you’re an entrepreneur, you can too think about using a enterprise rewards card to make strategic present playing cards purchases. The Ink Enterprise Money® Credit score Card is common for getting present playing cards at shops like Staples and Workplace Depot, as you may:

• Earn 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on web, cable and cellphone providers every account anniversary 12 months
• Earn 2% money again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places every account anniversary 12 months
• Earn 1% money again on all different card purchases with no restrict to the quantity you may earn

Why do you have to buy present playing cards with a bank card?

Advantages embrace:

• Comfort: Shopping for present playing cards with a bank card could be a matter of comfort, and that’s completely okay. When you’re buying different gadgets and you intend to pay with credit score, you would possibly as nicely cost your present card buy together with every little thing else.
• Potential to earn rewards: You could possibly earn money again or journey factors for present card purchases, though how a lot you’ll earn relies on the money again bank card or rewards bank card you’ve.
• Potential to economize: Present playing cards can go on sale, which means you should purchase a card that’s price, say, $50 and never truly spend $50 on it. You’ll be able to then use these discounted present playing cards to economize on massive purchases down the road.

Why you won’t need to buy present playing cards with a bank card

There’s nothing incorrect with paying for present playing cards with a bank card, however you need to find out about potential pitfalls that may apply. These pitfalls can embrace:

• Present card limits: Some retailers restrict the variety of present playing cards you should purchase whenever you pay with a bank card. When you’re unaware of those insurance policies, and also you head to the register with a stack of present playing cards in hand, you might not be capable to purchase all of them.
• Threats about not incomes rewards: Some rewards bank cards additionally declare within the superb print that you just gained’t earn any money again or factors. With sure American Categorical playing cards, for instance, the phrases and situations state you earn rewards on “eligible purchases,” which doesn’t embrace “charges or curiosity fees, money advances, purchases of traveler’s checks, purchases or reloading of pay as you go playing cards, purchases of present playing cards, person-to-person funds or purchases of any money equivalents.” However even playing cards which have this within the superb print will typically nonetheless earn factors on these purchases, so the issuer’s guidelines might be unclear.
• Expensive bank card curiosity: Lastly, you shouldn’t purchase present playing cards with a bank card when you plan to hold a steadiness. When you do, the rates of interest you’ll pay will wipe out any rewards you earned.

Does buying a present card rely as a money advance?

Some bank cards threaten to deal with present card purchases as a money advance. On this case, you might be charged a money advance price and a better rate of interest as nicely.

Usually talking, present playing cards code as a money advance whenever you purchase them immediately from a monetary establishment or whenever you purchase a pay as you go card as a substitute of a present card. Nevertheless, you may sometimes get round this by shopping for present playing cards throughout your regular procuring, similar to in your weekly grocery haul on the grocery store.

You can even sometimes keep away from shock money advance charges by asking retailers if their present playing cards code as a money advance or buy before you purchase.

The underside line

You should buy present playing cards with a bank card as a substitute of money or debit, however you need to solely accomplish that with a plan. When you don’t pay your steadiness in full, for instance, you’ll wind up paying bank card curiosity in your revolving steadiness. Not solely that, however make sure that any present card buy you’re planning gained’t set off a money advance price.

If the foundations, you may earn appreciable rewards whenever you purchase present playing cards with a bank card. That’s true whether or not you intend to make use of the present playing cards your self or as a present for another person.

Often requested questions on shopping for present playing cards