What is the Card and how do I use it?

The Card is a Visa® Gift Card that can be used to purchase merchandise and services anywhere Visa debit Cards are accepted in the United States. It is not redeemable for cash, except as required by law. It cannot be used at ATMs or for gambling. Additional restrictions may apply. We also suggest that you write down the Card number and Customer Service number from the back of the Card (855-202-5628) on a separate piece of paper in case the Card is lost or stolen. The amount of every purchase you make will automatically be deducted from the value on the Card.

Do I need to register my Card for online, mail or telephone purchases?

Yes, online, mail and telephone order merchants often require that personal information, including name, address, telephone number and email address of the cardholder be verified with the Card-issuing bank prior to purchase. If you wish to make online, mail or telephone order purchases, you should go to to register your Card. Unless you register your Card in advance, there may be no way an online, mail or telephone order merchant can confirm your identity. Without such confirmation, the merchant might decline your purchase even if there are sufficient funds on the Card.

Do fees apply after my Card was purchased?

Yes. If you do not use your Card for 12 consecutive months, we will charge a Maintenance Fee of $4.95 on the first day of each month that follows (starting with month 13) until you use the card again. At that point, we will wait until 12 more consecutive months of inactivity occur before charging the fee again. If you don’t use your Card for an extended period of time, these fees may lower or even exhaust the balance of your Card before the “valid thru” date has passed. You may avoid this fee by making regular purchases with your Card. There is also a Lost/Stolen Card Replacement Fee of $5 to replace a lost or stolen Card, so please safeguard your Card. This fee does not apply to replacement of an expired Card.

Do the funds on my Card expire?

No, the funds on your Card do not expire.

Does my card expire?

Yes. Your Card will no longer work when the remaining value is equal to $0 or the “valid thru” date printed on the front of your Card has passed. If funds still remain on your Card after the “valid thru” date, please call the Toll-Free Customer Service Number at the top of these FAQ to have a replacement Card with an updated “valid thru” date issued and mailed to you at no cost. The balance on the replacement Card will be equal to the balance on your discontinued Card.

Can value be added onto my Card after it is purchased?

No. Your Card is not reloadable.

What if my purchase is greater than the value available on my Card?

You must advise the merchant how much is available on your Card. The merchant may be able to complete a split tender transaction and charge the Card for the available balance. The remaining amount of your purchase would require another form of payment.

Can I use my Card at restaurants or other service industries when I have enough money left on my Card to cover the bill for food or service?

Yes, however, some restaurants and other service-oriented merchants may factor in an additional 20% (or more) to cover any tip you may leave on the purchase. If this occurs, and your total bill, after adding in the additional 20% (or more), exceeds the amount available on the Card, it will be declined. Accordingly, you may want to ensure that your Card has an available balance that is 20% (or) greater than your total bill prior to use. Similarly, some hotels chose to factor in additional amounts upon check-in, and it may take up to thirty days after your stay to have any excess amounts held by the hotel added back to your available balance.

Can I use my Card to pay at the pump at gasoline stations?

If your Card is lost or stolen, call the Toll-Free Customer Service Number at the top of these FAQ to cancel your Card as soon as you can. You will need to know your Card number, so be sure to record it in a safe place. You may also be required to provide additional information. If funds remain on your Card, we will send you a replacement Card, but a Lost/Stolen Card Replacement Fee of $5 will apply.

Can I use a PIN for debit transactions with my gift card?

Yes. If you wish to make PIN debit purchases, you may obtain a PIN by visiting the Website at or calling the Customer Service Number. Note the PIN can only be used for purchases and cannot be used to obtain cash at ATM’s or cash back with a purchase.

What if my purchase is larger than the value available on my card?

If your purchase is larger than your balance, advise the cashier to swipe your card for the exact amount available on the card. Then pay the remaining balance with another form of payment. Some merchants require the balance to be paid in cash.

My internet purchase was declined even though there was a sufficient balance - but my Card was still debited. Why?

If you had sufficient funds on the card when the purchase was attempted, then the debit is a temporary hold. Your card will be reimbursed for the amount debited within 7 days. The debit occurs because even though our card system had approved the purchase, the merchant subsequently declined to complete the transaction under its security policies. This may have occurred if you had not registered your card prior to shopping online. Please note that, Metabank®, Visa, and their affiliates, employees, and agents have no control over merchant's security policies and cannot reverse or overrule a decline based on the merchant's security policies.

How are merchandise returns processed?

Depending on the merchant, merchandise returns may be refunded directly back to your card, so be sure to keep it until you are sure you will not need it. Please note, merchandise return and refund policies vary by merchant. If the merchant issued a credit, it can take up to seven days to be added to your card. If the merchant voided or canceled the transaction in their register, the funds could be on hold for up to nine business days. The hold is automatically released after that time and the funds are placed back into your available balance. Check your balance regularly at to determine when your card has been credited for the return.

If my card is lost or stolen, how do I report it?

If your card is lost or stolen, call Customer Service IMMEDIATELY 24/7 at 1 (855) 202-5628 to cancel your card. You will need to know your card number, so if you choose not to register your card, be sure to record the number in a safe place. You may also be required to provide additional information. If funds remain on your card, there is a $5 replacement fee. To replace your Visa gift card, please visit

Issuing Statement

*Card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A.