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Gift card survey: Details of biggest issuers' cards

By CreditCards.com

Click on your favorite gift card for more information:

7-Eleven
Ahold USA
American Express
Best Buy

Bloomingdales
Circuit City
Costco
CVS
Delhaize America
Discover
Federated Department Stores
Gap
H.E.B.
Home Depot
JCPenney
Kmart
Kohl's
Kroger
Lowe's
Macy's
MasterCard

MasterCard-HSBC
MasterCard-Keybank
MasterCard-Springbook
MasterCard-Washington Mutual
McDonald's
Meijer
Office Depot
Pilot Travel Centers
Publix
Rite Aid
Safeway
Sears
Sears Holdings
SuperValu
Target
TJX
Toys "R" Us
Visa
Walgreens
Wal-Mart

  

See related: "Gift card survey shows it pays to comparison shop," "Free money: how to claim expired gift card funds."

Gift card nameHow long until expiration?Any maintenance, dormancy fees?Insurance against loss or theft?Card denominations Available with a PIN? Reloadable? Electronic card available?
7-Eleven Never expires No Present original receipt at store Any amount Yes, Yes, No
Ahold USA (6 different chains) Never expires No Not available $5, $10, $25, $50, $100 denominations No, No, No
American Express Never expires Yes after 12 months Call issuer with card number Regular - $25, $50, $100, $200 and $500; Personalized - $25, $35, $50, $75, $100, $150, $200, $250 and $500; In-person locations - variable No, No, No
Best Buy Never expires No Call issuer with proof of purchase and record of remaining balance $5-$500 No, Yes, No
Bloomingdale's For most states, the card expires two years from date of last value added; card never expires in Calif., Fla., Md., Mass., Minn. and Nev. No Call issuer with original proof of purchase for replacement $10-1,000 No, Yes, Yes
Gift card nameHow long until expiration?Any maintenance, dormancy fees?Insurance against loss or theft?Card denominations Available with a PIN? Reloadable? Electronic card available?
Circuit City Never expires No Present issuer with original reciept for replacement Regular - $5-500; Electronic - $5-$2,000 Yes, No, Yes
Costco Never expires No Not available $25-$100 No, Yes, No
CVS Never expires No Call issuer with original reciept/proof of purchase $5-$500 No, Yes, No
Delhaize America (7 different chains) Expires 24 months from date of first use After 24 fees (retroactive) One-time courtesy replacement Any amount from $5-$499 No, Yes, No
Discover Expires 24 months from date of first use Yes after 12 months Call issuer with card number $20-$500 No, No, No
Gift card nameHow long until expiration?Any maintenance, dormancy fees?Insurance against loss or theft?Card denominations Available with a PIN? Reloadable? Electronic card available?
Federated Dept. Stores (now Macy's Inc. - see below) Expires two years from date of last value added, except in Calif., Conn., Fla., Kan., La., Maine, Md., Mass., Minn., Mo., Nev., N.H., N.D., Okla., Ore., R.I., Vt. and Wash. No Call issuer with original proof of purchase for replacement $10-$1,000 No, Yes, No
Gap Never expires No Present issuer with original reciept for replacement $10-$200 No, Yes, No
H.E.B. Never expires No Call issuer with card number $5, $10, $20, $25, $50 and $100 increments No, No, No
Home Depot Never expires No Contact local store for details $10-$500 No, Yes, No
JCPenney Never expires No Call issuer with proof of purchase as required by JCPenney $10, $25, $50, $100 No, Yes, Yes
Gift card nameHow long until expiration?Any maintenance, dormancy fees?Insurance against loss or theft?Card denominations Available with a PIN? Reloadable? Electronic card available?
Kmart Never expires No Present issuer with original proof of purchase denominations $10-$100 Yes, Yes, No
Kohl’s Never expires No See local store for details; must have proof of purchase $10-$100 No, Yes, Yes
Kroger Never expires No Not available denominations $10-$250 No, Yes, No
Lowe’s Never expires No Present issuer with original/gift reciept $5-$5,500 No, Yes, Yes
Macy's Expires two years from date of last value added, except in Calif., Conn., Fla., Kan., La., Maine, Md., Mass., Minn., Mo., Nev., N.H., N.D., Okla., Ore., R.I., Vt. and Wash. No Present issuer with original proof of purchase for replacement $10-$1,000 No, Yes, No
Gift card nameHow long until expiration?Any maintenance, dormancy fees?Insurance against loss or theft?Card denominations Available with a PIN? Reloadable? Electronic card available?
MasterCard Variable expiration Variable fees for maintenance and dormancy Call issuer with card number Varies; $500 or $2,500 limit No, Varies, No
MasterCard - HSBC Expries 24 months from date of first use Yes after 12 months Call issuer with card number $25-$500 No, No, No
MasterCard - Keybank Usually expires two years from date of first use Yes after 12 months Call issuer with card number $5-$2,500 No, No, No
MasterCard - Springbook Never expires Yes after six months Call issuer with card number $5-$2,500 No, Yes, No
MasterCard - Washington Mutual Expires 24 months from date of first use Yes after 12 months Call issuer with card number $25-$500 No, No, No
Gift card name How long until expiration? Any maintenance, dormancy fees? Insurance against loss or theft? Card denominations Available with a PIN? Reloadable? Electronic card available?
McDonald’s (Arch card) Never expires No Call issuer with card number; download lost and stolen card form, fill out and mail $5, $10, $25, $50 No, Yes, No
Meijer Never expires No Nothing $5, $10, $20, $15, $25, $50, $100 No, Yes, No
Office Depot Never expires No Nothing denominations $10-200 No, Yes, No
Pilot Travel Centers Never expires No Call issuer with card number to report up to $1,000 No, Yes, No
Publix Never expires No Not available $5-$500 No, Yes, No
Gift card nameHow long until expiration?Any maintenance, dormancy fees?Insurance against loss or theft?Card denominations Available with a PIN? Reloadable? Electronic card available?
Rite Aid Never expires No Not available up to $500 No, No, No
Safeway (100's of different gift cards - gift card site currently not working) Never expires No Call issuer with card number to report $5-$500 Yes, No, No
Sears Never expires No Present issuer with original proof of purchase $5-$500 Yes, Yes, No
Sears Holdings Never expires No Present issuer with original proof of purchase $5-$500 Information not available
Staples Never expires No Not available $10, $20, $25, $50, $100 No, Yes, No
SuperValu Retail (over 15 retail chains) Expires 90 days from date of first use No Not available $5, $10, $25, $50, $100 Yes, No, No
Gift card nameHow long until expiration?Any maintenance, dormancy fees?Insurance against loss or theft?Card denominations Available with a PIN? Reloadable? Electronic card available?
Target Never expires No Call issuer with original/gift reciept traditional - denominations $10-$1,000; electronic - $5-$5,000 No, Yes, Yes
TJX (8 different chains) Never expires No Contact local store for details Any denomination Yes, No, No
Toys “R” Us Never expires No Call issuer to report $1-$1,000 No, Yes, No
Visa Variable expiration Variable fees for maintenance and dormancy Call issuer with card number to report Varies No, Varies, No
Walgreens Never expires No Call issuer with card number to report

$50 only

No, Yes, No
Wal-Mart Never expires No Not available preset amounts/electronic - $10-$200; entered yourself - $10-$2,500 Yes to use online, Yes, Yes

Published: November 20, 2007


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Updated: 12-02-2016


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