How to Use an eGift Card Online and In-Store

An e-gift card is a digital payment method, representing a prepaid value stored electronically rather than on a physical card. These tools allow consumers to make purchases with pre-loaded funds, offering flexibility for various transactions. Unlike cash, an e-gift card’s value is tied to a specific merchant or network.

Redeeming Online

Using an e-gift card for online purchases involves entering a unique code during checkout. This code, often a series of numbers and letters, is found in the email or digital delivery of the e-gift card. During online checkout, look for designated fields such as “Gift Card,” “Promo Code,” or “Discount Code” on the payment or review page.

Once located, input the gift card number and, if applicable, the Personal Identification Number (PIN). The system then applies the card’s balance to your order total, reducing the amount owed. If the purchase exceeds the e-gift card’s value, the remaining balance can be paid using another accepted payment method. Conversely, any unused balance remains on the e-gift card for future transactions.

Redeeming In-Store

Many e-gift cards can be used for purchases at physical retail locations. To redeem an e-gift card in-store, you may need to present a printed version of the e-gift card containing a barcode or numeric code. Alternatively, displaying the barcode or code directly from your mobile device, such as from an email or a retailer’s app, is accepted.

In some cases, a cashier may manually enter the e-gift card number and PIN, if provided, to process the transaction. Not all e-gift cards are designed for in-store redemption, so review the card’s terms and conditions beforehand. This confirms the e-gift card is compatible with the physical store’s payment systems.

Checking Balance and Terms

Before making a purchase, confirm the remaining balance on your e-gift card. Most retailers provide methods for checking an e-gift card’s balance, commonly through a dedicated section on their website or by calling a customer service number. Some e-gift cards may also display a balance directly within a retailer’s mobile application.

Review the associated terms and conditions. Federal law, the Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009, mandates that most gift cards cannot expire for at least five years from their issuance or last reload date. This law also restricts dormancy or inactivity fees unless the card has been unused for at least 12 months, and any such fees must be clearly disclosed before purchase. Understanding these terms helps preserve the full value of your e-gift card.