The American Express gift card is one of the most popular bank issued gift cards, second only to the Visa Gift Card. The gift card can be purchased at participating banks and at drug and grocery stores in denominations of $25, 50, 100 and 250. They can also be purchased online here in denominations of $25, $50, $100, $200, $500, $700, $1000, $2000 and $3000 (subject to a shipping charge, in addition to the purchase fee).
Below are the most frequently asked questions about the American Express Gift Card:
1. Can I add more funds to the American Express Gift Card?
No, you cannot add more money to the American Express Gift Card. Once the original value on the card is used up, the card becomes worthless. For a reloadable bank issued gift card, you can buy a Reloadable Visa Gift Card.
2. What fees come with the American Express Gift Card?
Like most bank issued gift cards, the American Express Gift Card comes with fees, including a purchase fee of about $4.95 payable at the time of purchase. There is also a monthly service fee of $2 that is charged after 12 months of purchase. This is better when compared to the Visa Gift Card service fees, which are typically charged after 7 months of purchase and can be as much as $4.95. In addition, if your card is lost or stolen, American Express will replace any available funds still remaining on the card but will charge you a replacement fee of $5.95.
3. Can I use the American Express Gift Card to make purchases online?
Yes, but before you do that, you need to register the card with American Express (add your name and billing address to the card). This is necessary because the online merchant will then be able to match the name and billing address you provide for your order with the name and billing address on file for your visa gift card (just like they do for credit cards). Should they be unable to match your information, your card may be rejected. For more on how to use the American Express Gift Card online, click here.
If you are trying to use your American Express Gift Card on eBay or link to PayPal, that may be more challenging. With regards to PayPal, it depends on whether PayPal requires you to go through their verification process. If they do, then you will need access to your transaction details. American Express allows you to view your transaction details online if you register your card. You will need the special code PayPal sends to your card to be able to successfully complete the verification. If you are successful at viewing your gift card transactions, then you will be able to link to PayPal, otherwise, you are out of luck. For more on linking American Express Gift Card and other bank issued gift cards to PayPal, click here.
4. Can I use the American Express Gift Card if the purchase amount is over the gift card limit?
Yes, you can but only in person at certain retail location (it depends on the merchant policy). Before you do this, you should tell the cashier that you are going to be using two forms of payment for the transaction. You should then give the cashier your American Express Gift Card first, and ask the cashier to charge the full amount on the card (which means you have to know exactly how much you have on the card). You can then present another form of payment (cash or credit card, or another American Express Gift Card, if allowed) to pay for the balance.
This process is much more challenging to do online since many online merchants do not support “split payments”.
5. Can I use the American Express Gift Card outside the United States?
No, you can only use the American Express Gift Card in the United States, Puerto Rico and the U.S. Virgin Islands where American Express Cards are accepted.
6. Is there an age limit to who can buy or use the American Express Gift Card?
No, there is no age limit on who can buy or use the American Express Gift Card.
7. Where can I buy an American Express Gift Card?
For a list of locations that sell the American Express Gift Card, click here. You can also buy them online here.
8. How do I check the balance on my American Express Gift Card?
To check the balance on your American Express gift card, call 1-877-AXP-GIFT or click here to check your balance online.
9. Can I get cash from the ATM with my American Express Gift Card?
No, you cannot get cash from the ATM with your American Express Gift Card.
10. Can I use the American Express Gift Card for recurring bill payments?
No, you cannot use the American Express Gift Card to for recurring bill payments, such as magazine subscription, phone payments or online game subscriptions.
You should also consider Visa Prepaid Gift Cards, which can be used anywhere Visa Debit Cards are accepted.