One of the most often asked questions about the Visa Gift Card is whether you can use them to shop online. The answer often depends on the bank or merchant that issued the card. If you are able to register the card with the bank and add your name and billing address to the card, then chances are you will be able to use it online to shop since the online merchant will be able to match the name and billing address you provide with the name and billing address on file for the Visa Gift Card.
While this looks like a simple process, there have been numerous reports about consumers unable to use their Visa Gift Cards online, and in some cases even after registering the card with the issuing bank or merchant.
That was why I was intrigued recently when I found a Visa Gift Card issued by Green Dot at a local Rite Aid that is boldly labeled “Visa Gift Card for Online Shopping”. It appears Green Dot has recognized a need in the marketplace and is trying to meet this need with the Visa Gift Card for online shopping. That is smart business because there is a whole segment of the population without credit cards; either due to spotty credit or being underage. In addition, there are people who simply don’t want to get a credit card for whatever reason and want the benefits of online shopping. This card helps them do just that. All you have to do is buy the card and register it online with Green Dot and you are ready to go on your online shopping spree. The cards can be loaded with amounts between $20 and $300.
Like any other bank issued gift card, the Green Dot Online Shopping Gift Card comes with a purchase fee, which is $4.95. There is also a $4.95 fee charged after 90 days of purchase, among other fees. As mentioned, the card can be purchased at Rite Aid.
Note: I have tried to get a picture of the card online and also get more information about the terms and condition but the card is no where to be found online, including on the Green Dot website. That is a bit strange. You would think they would want to promote this product proudly on their website?