What is gifts by visa

After we hung up, the concierge went to work, scouring the local businesses where my parents live for the perfect gift. I was told I'd get an email within 24 hours with the information I asked for compiled in one, convenient document. If I like any of the options, I can simply authorize a purchase, and the concierge will arrange for the item to be paid for and delivered. Depending on which items are in stock, there still may be time to get my gifts delivered same-day to my parents before Christmas.

However, the concierge noted that delivery charges are determined by the third-party businesses, and rush fees can often apply. Less than hours later, I got an email from Visa Signature Concierge with a four-page PDF attachment outlining options for three tool sets and three dishwashers.

Each option included a photo of the item, a description, the price plus taxes as well as the price for same-day and next-day delivery. Some had free shipping, others had a rush fee. Now, I can easily forward the details onto my brother so he can decide if he wants to go in on the gift with me this year.

While the tool sets were not exactly what I had in mind, I was excited about the countertop dishwasher recommendations. Before calling the concierge, I didn't know anything about portable dishwashers how affordable are they? Now, I have a clear idea of what I want to get my parents, even if I ultimately go with a different choice. Note that the images, prices and descriptions above were given as a courtesy and the final product details may change.

I may have been too late to guarantee delivery before Christmas at least not for every option , but it still felt nice to get the royal treatment while shopping for presents. Though I normally like to pick out my own Christmas gifts, it saves a lot of time to let someone else handle the research.

All it took was a minute phone call. After what I learned about concierge service, I'll probably save the number and keep it in mind for Christmases to come.

Information about the Capital One Venture Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer prior to publication. Skip Navigation. Follow Select. Our top picks of timely offers from our partners More details. SoFi Personal Loans.

LightStream Personal Loans. We may receive a commission from affiliate partner links. Click here to read more about Select. Click here to read our full advertiser disclosure. We may receive a commission when you click on links for products from our affiliate partners. A gift card is a form of payment that can be used to make purchases at retail stores, gas stations, restaurants, and other locations.

Gift cards can be open-loop or closed-loop. An open-loop gift card can be used anywhere that brand of card is accepted. A closed-loop card, on the other hand, can only be used at specific merchants. Some prepaid gift cards charge a fee to purchase them. You may also pay a separate fee to reload money to a gift card if you wish to reuse it. Gift cards can be physical—meaning a plastic card—or digital.

Physical cards remain the most popular kind of gift cards, but that is expected to change in the near future. Companies such as Amazon, Walmart, and Target allow consumers to purchase physical cards as well as to load online or digital accounts. These cards make it convenient for customers to pay for their drinks and meals using an app or in-establishment card reader to speed up the checkout process.

Federal law prevents gift cards from expiring for up to five years after their activation date, but failing to use a gift card could trigger an inactivity fee. Gift cards can offer a number of advantages. For example:.

In terms of gift giving, gift cards might be preferable if you have no idea what to buy for someone on your gift list, as they allow the recipient to buy what they want and when they want. They work similarly but are typically open-loop. Gift cards can also have some downsides.

Here are five. While prepaid gift cards can be stolen or lost, just like a debit card or credit card, there is some good news: The Credit Card Accountability Responsibility and Disclosure CARD Act offers protections to gift cards issued by retailers and banks. There are several cards offered by prepaid credit card companies that offer consumers the ability to buy cards and reload them at retail locations. For example, the PayPal Prepaid MasterCard allows users to easily transfer money between their PayPal account and a physical card that can be used anywhere that MasterCard is accepted.

Consider a secured credit card if you have no credit or poor credit. These cards typically require a small cash deposit, but they can be a stepping-stone for building a credit history.

Prepaid credit cards, debit cards, and reloadable gift cards generally offer better value than retailer-specific gift cards, but regular credit cards can offer some advantages when it comes to earning rewards on purchases or taking advantage of card-specific features, such as travel incentives or rewards bonuses. Something else to keep in mind when weighing whether to use prepaid credit cards or gift cards for purchases is how they affect your credit score.

Paying on time each month, keeping your balances low, keeping older credit card accounts open, and limiting how often you apply for new credit can help you grow your credit score over time. Google Pay Help. Federal Deposit Insurance Corporation. National Conference of State Legislatures. Rewards Cards. Visit theperfectgift. Earnings generally will be added to your card balance within 48 hours of the purchase, but could take up to 10 days.

If your earnings have not been added to your card within 48 hours, please call. Do not reach out directly to merchant partners. You can continue to earn money back until the balance on your card is less than 10 cents. Give your loved ones. The Perfect Gift. Frequently Asked Questions. Do I need to register my card for online, mail or telephone purchases? How do I know what the balance is on my The Perfect Gift prepaid card? Can I make a purchase for more than the amount remaining on my The Perfect Gift prepaid card?

Can I use my The Perfect Gift prepaid card at fuel stations, restaurants, online or over the phone? What are my spending limits on my Card? Does my prepaid card expire? Can I add additional funds to my The Perfect Gift prepaid card?