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Gift Card Vs. A Prepaid Credit Card What’s the Better Gift? Advertiser disclosure You’re our first priority. Everytime. We believe that everyone should be able to make sound financial decisions with confidence. And while our site doesn’t feature every company or financial product on the market however, we’re confident that the advice we provide, the information we provide as well as the tools we design are impartial, independent easy to use and completely free. So how do we make money? Our partners pay us. This may influence which products we review and write about (and the way they appear on the site) However, it in no way affects our advice or suggestions, which are grounded in hundreds of hours of research. Our partners are not able to pay us to guarantee favorable review of their services or products. . Gift Card Vs. A Prepaid Credit Card What’s the best gift? The gift card is the obvious winner in a exchange of cash. Prepaid debit cards work like bank accounts. By Spencer Tierney Senior Writer | Certificates of Deposit ethics, banking ethical, deposits Spencer Tierney is a consumer banker at NerdWallet. He has been writing about personal finance since 2013 with a focus on certificate of deposit and other banking-related issues. He has had his work covered by The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. The location is Berkeley, California. Dec 22nd, 2022 Edited by Sara Clarke Assistant Assigning Editor | Banking Sara Clarke is an editor who joined NerdWallet with over two decades of experience working in newsrooms, including U.S. News & World Report. She began her career in journalism with The Washington Post and later worked for Roll Call, McClatchy-Tribune and The Seattle Times. Sara has appeared as a guest on SiriusXM Business Radio and iHeartMedia’s WHO Newsradio and has been mentioned in The Salt Lake Tribune, The St. Paul (Minnesota) Pioneer Press and other outlets. She earned her degree in the U.M.’s Philip Merrill College of Journalism. Email:
. A majority or all of the items featured here come from our partners, who we pay. This influences which products we write about and where and how the product appears on a page. However, this does not influence our opinions. Our views are our own. Here is a list of and . Cash is an easy gift idea, but the format it should be in is a different matter. Placing bills in an envelope could work, but it’s not ideal It’s impossible to recover cash if it’s stolen or lost. Plus, it’s easy to forget it was given as a gift after it’s in a wallet. It’s better to store cash in plastic cards is more secure when you make the right choice among gift cards or debit cards that are prepaid. Learn more about. Gift cards vs. Prepaid debit cards Let’s look at the similarities between them both are prepaid cards, meaning that you can put money into the card ahead of time for shopping at both stores both in person and online. They also provide protection against loss when you sign them in your name. There are two kinds of cards within the same aisle of a store such as Walgreens, so be sure to be aware of which you’re purchasing. The major distinction between a gift card and a prepaid debit cards is that it’s a one-time spending card, while a prepaid debit card is a reloadable payment option with the most features and costs associated with a checking account as well as a linked debit card have. Gift cards have one job for them: to purchase products at an exclusive store brand or in any other store that accepts payment networks such as Visa, Mastercard or American Express. They don’t allow cash withdrawals and aren’t rechargeable. The debit cards that are prepaid have a range of jobs: make purchases; withdraw cash at ATMs, banks or certain retailers; as well as also use online features like bill pay. They can also be reloaded. Because of their flexibility, prepaid debit cards can be used as budgeting tools, or even replacements of checking accounts. They’ve been traditionally used to reduce spending too much, but lately, there’s been more (a common cost when overspending) as well as to help track spending. >> MORE The winner gift cards. Gift cards live up to their word as they are gifts. Their simplicity is partly the reason they are a better choice to gift. But there’s another reason: Prepaid debit cards typically come with monthly charges, just like checking accounts do and the fees, often $5 to $10, can add up to $120 over the course of a year. There may be as well fees for transactions or inactivity charges. Gift cards are the best alternative, but they’re all equally good deals. General-use gift cards like those offered by Visa and Mastercard typically have one upfront cost, usually known as a purchase or activation fee, which the gift recipient is required to have to pay. The fee might be $2.95 or $5.95 dependent on the amount that is added to the card, based on an assortment of gift card websites. However, there aren’t many fees after purchase. There are some exceptions. Some banks offer general-use gift cards, which have renewal fees or inactivity charges, which may get charged monthly after a year of no card use. You can get around most, if not all, charges by purchasing a gift card from a store. Be aware of the conditions and fees of a gift card before you purchase it, so that your holiday gift brings pleasure without fees. The author’s bio: Spencer Tierney is an expert on deposits and certificates at NerdWallet. Its work was featured on USA Today and the Los Angeles Times. Similar to… Discover an account that is more suitable for checking View NerdWallet’s top picks for the best checking accounts. Explore Banking even more deeply. Find more money-saving strategies – straight to your inbox Sign up and we’ll send you Nerdy posts about money-related topics which matter to you the most as well as other methods to help you make the most out of your money.

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