Can You Buy Gift Cards With a Credit Card

Triston Martin Updated on Jul 28, 2023

Gift cards are a great way to give someone something special, no matter the occasion. Whether shopping for a birthday, anniversary, or holiday gift, picking a gift card can be easy and convenient. Buying gift cards with your credit card may also be possible.

This can help make sure that even last-minute gifting is simple and hassle-free.

This blog post'll explore what credit cards allow gift card purchases and any associated fees. Let's jump right in.

Gift Cards and How Do They Work

Gift cards are prepaid debit cards used to purchase goods and services from various merchants. Gift cards come in physical or electronic form and typically carry a preloaded value between $5 and $1000. To use the card, you present it at the cash register when making your purchase.

Gift cards are a popular choice for conveys at weddings, graduations, graduation parties, and other significant activities. They are also an great way to present money without worrying about what the recipient would do with it.

Benefits of Buying Gift Cards with a Credit Card

Using a credit card instead of cash or debit can offer many benefits when purchasing gift cards. Not only does using a credit card allow you to purchase items easier and faster, but it also offers additional rewards that can benefit consumers.

Using a credit card when buying gift cards makes it simple to keep track of spending habits and budgeting. If a consumer uses a rewards credit card, they can also earn points or cash back on their purchases, which can add up quickly if they purchase several gift cards.

Credit cards also offer additional protections such as purchase protection and extended warranties in some cases that may not be available when using other forms of payment.

Finally, paying with a credit card also offers added convenience when making online purchases. In many cases, account information can be saved so that customers do not have to enter their details each time they make a purchase, which makes the gift card buying process even quicker and simpler.

Overall, there are many benefits to using a credit card when buying gift cards, making it an ideal payment method for those looking to save time and money.

Where to Buy Gift Cards With a Credit Card

A credit card may be an option if you need to purchase a gift card but need cash. Major retailers like Walmart, Target, Amazon, and Best Buy now allow customers to use their credit cards to buy gift cards. Many banks also offer this option when buying gift cards from major retailers. It’s important to remember that certain cards you can use may have certain restrictions.

Some third-party websites also allow customers to buy gift cards with a credit card. Websites like Raise and Cardpool offer discounted gift cards for popular retailers that can be purchased online with a credit card. The downside to using these services is that they often require fees and have expiration dates on the cards.

Finally, some smaller stores and restaurants also allow customers to buy gift cards with a credit card. You can often find this option in the store’s checkout line or online. Be sure to check beforehand if your favorite store accepts credit cards for gift card purchases.

Generally, knowing the fees associated with using a credit card to buy gift cards is important. Some stores may charge an additional fee for this service, so read the fine print and ask questions if you’re unsure. Additionally, using your credit card responsibly and paying off any balance quickly is wise to avoid incurring interest.

As long as you’re mindful of the fees and terms associated with using a credit card to buy gift cards, this can be an easy way to purchase gifts without carrying around cash. Whether you’re shopping in-store or online, plenty of options are available for purchasing gift cards with a credit card.

It's important to remember that not all gift cards are created equal. Before purchasing a gift card with a credit card, research and read any fine print to ensure you’re getting the best deal. And if you ever have questions or concerns, don’t hesitate to contact customer service for more information.

Tips on Finding Goods Deals When Buying Gift Cards

Finding a good deal on gift cards can be tricky, but knowing where to look and what to watch out for can save you money in the long run.

Here are some tips for finding great deals when buying gift cards with credit:

1. Look for store sales or discounts – Many stores offer special promotions or discounts when buying gift cards. If you want to purchase a gift card from a particular store, it’s always worth checking for discounts or sales first.

2. Check for promotional offers – Many companies offer special promotional offers when buying gift cards with credit. These could include cash back, discounts on future purchases, or even bonus points that can be redeemed later. Always check for any promotional offers before you buy.

3. Buy in bulk – Many stores offer discounts or perks when buying gift cards in bulk. If you’re looking to purchase several gift cards, seeing if any discounts or promotions are associated with buying multiple cards simultaneously might be worth seeing.

4. Comparison shop – Research and check prices from several stores. This will ensure you get the best deal possible when buying a gift card with your credit card.

By researching and taking advantage of promotional offers, you can save money when buying gift cards with your credit.


Can you buy gift cards with a credit card at Walmart?

Yes, you can buy gift cards with a credit card at Walmart. You can select from various pre-paid and merchandise gift cards from popular brands like Xbox, Mastercard, Amazon, and more. However, there may be restrictions for certain products – for instance, electronics – that require cash or debit payment only.

Can you buy a prepaid Visa card with a credit card?

Yes, you can purchase prepaid Visa cards with a credit card. These are great for online shopping, providing an extra layer of security against fraud and identity theft. For more information on how to use and reload your prepaid Visa card, please refer to the Terms & Conditions provided at checkout.

Can you use a credit card and gift card online?

Yes, you can use a credit card and gift card online. You must add the gift card information and your credit card details during checkout. The available balance on the gift will be applied towards the purchase before charging your credit card for the remainder. Be sure to check any applicable fees and restrictions beforehand.


To summarize, gift cards are an excellent choice for a last-minute gift or simply spoiling yourself. They are useful because of their convenience and flexibility, allowing users to choose their gifts. Credit cards provide numerous benefits when buying gift cards and can be found online and in-store at large retailers.

It is important to shop around and compare offers from different stores when purchasing these cards to maximize your savings and get the best possible deal. So the next time you're wondering if you can buy a gift card with a credit card, the answer is yes! Remember that with patience comes rewards, so take advantage of too-good-to-pass-up discounts.