Do Gas Stations Accept Gift Cards? And How to Use Them

Using gift cards at gas stations is common, but questions arise about acceptance and usage. This article clarifies the types of gift cards for fuel purchases and provides guidance on the transaction process. Understanding these details helps ensure a smooth experience.

Types of Gift Cards You Can Use

Gift cards fall into two main categories: general-purpose and gas station-specific. General-purpose gift cards, such as Visa, Mastercard, or American Express, function like debit or credit cards. They are widely accepted at most gas stations because they process transactions through established payment networks. These cards can be used for fuel, convenience store items, or car washes.

In contrast, gas station-specific gift cards, issued by brands like Shell or ExxonMobil, are limited to use only at their respective brand’s stations. For example, a Shell gift card can only be redeemed at Shell locations. While convenient for loyal customers, these cards lack the broad acceptance of general-purpose cards.

How to Use Gift Cards at Gas Stations

Using gift cards at gas stations involves specific steps, especially due to pre-authorization holds.

Using General-Purpose Gift Cards

When using a general-purpose gift card at the pump, swipe or insert the card and select “credit.” Gas stations place a pre-authorization hold, often $75 to $200, on these cards. This temporary hold ensures sufficient funds are available, as the exact purchase amount is unknown until fueling is complete. The hold usually remains for 3 to 7 business days until the transaction settles. If the card balance is less than the pre-authorization amount, the transaction may be declined or the hold could consume a significant portion of the remaining balance.

Using Gas Station-Specific Gift Cards

Gas station-specific gift cards can be used directly at the pump by inserting them as payment. Some digital versions may need to be added to the station’s mobile app for use at the pump or inside. Their usage is generally straightforward within that brand’s network.

Paying Inside

Paying inside the gas station is often recommended to avoid pre-authorization holds and ensure the exact amount is charged. Tell the attendant the specific amount of fuel you wish to purchase. They will authorize the gift card for that precise sum, preventing temporary holds and ensuring you only spend what you intend.

Checking Your Balance

Before using any gift card, check its balance. For general-purpose cards, call the toll-free number on the back or visit the card issuer’s website. For gas station-specific cards, the brand’s website or app provides a balance check feature. Knowing the exact balance helps prevent declined transactions.

What to Do if a Card is Declined

If a gift card is declined, common reasons include insufficient funds for the pre-authorization hold or the card not being activated. If declined at the pump, try paying inside and requesting a specific amount. Verify the card’s balance and ensure it has been activated. Virtual gift cards may not be accepted at gas pumps and might require in-store use.