Need to Know the All Types of Gift Cards

The Gift cards can come in either physical and electronic form. Prepaid dollars amounts are loaded onto the gift card, that can then be used toward one and more transactions. The Gift cards are used not only to pay for physical items at bricks or mortar stores, but also while online shopping for experiences like travel and events.


Generally Speaking, You Need to Know There Are Two Types of Gift Cards:


  • Open loop the gift cards, which may be redeemed across many different retailers. One example of it is the American Express Prepaid Gift Card, which can be used anywhere in Canada that accepts American Express Check Balance. 


  • Closed loop the cards, which can be only redeemed at the specific store where they are issued it. While American Express Gift Cards do not issue closed loop gift cards, you may redeem your all Membership Rewards points to gift cards from a variety of retailers.


Get the Most From Using the Gift Cards


Know about these simple tips on redeeming gift cards for getting the most value from your card.


Use the Gift Cards to More Than Just Shopping


Giving, receiving and redeeming gift cards do not always mean having to make trips for the mall and shopping for physical items. For example, There is some gift cards that may also be redeemed to make charitable donations.


To Get more than the fixed value of Gift Cards


Some retailers can offer you incentives for shopping online such as extra discounts and gifts with buy, in which case that $50 gift card can get you more than it is fixed value. If you have time for your purchase in the store promotions, seasonal sale and loyalty program of rewards, you may stack your gift card with those deals for saving even more.


From Where You Can Get American Express Gift Cards?


The American Express Gift Card is offered in a variety of formats, ranging from the classic gift cards for cards to special occasions. In addition to buying the cards online from American Express Store directly, you may find a variety of local retailers or financial institutions which offer them. Both traditional versions and electronics are available.


Information of Expiration Dates

The Available Balance of gift card does not expire, However card does have a (Valid Thru) date on the front of gift cards. It is Valid Thru date is used with merchants whose system requires them for provide an expiration date to  gift cards used during a transaction. You can not use a gift card after the (valid thru) date, but you may request a replacement gift card free of charge if the (valid thru) date expires before you spend your Gift Cards Available Balance.


The Available Balance of Your Gift Cards May Be Reduced in Two Ways:


  • Make a purchase, Full amount of purchasing plus any taxes would be deducted from your  Available Balance Gift Card.


  • Merchant assumes tips, Some of merchants such as restaurants & service providers regularly receive gratuite in addition for actual prices of the transaction. When the merchants are given gift cards for paying to transaction, they can add projected gratuity onto the amount of purchase when checking the Available Balance of Card. If a transaction is approved, the Balance will be reduced by the amount of purchase plus projected gratuity. After That, when the actual transactions are posted by the merchant, any differences between the Card amount deducted when the merchant checks the  Card balance or the actual amount of the transaction would be deducted from the gift card.


Here is an example, if you present your card at a restaurant to pay the bill, the merchant is likely to add a tip “such as 20 percents” for the amount of bill when checking the Available Balance of gift card. If a transaction is approved and you only leave a 15 percent tip, 5 percent would be credited back to your card when the transaction is posted with the merchant. This usually takes the three days of  business to a transaction to be posted or accurately reflected in your Available Balance of Gift Cards.


Do Not buy unnecessary items


If your gift card does not have a set expiration date, Do not feel pressured to use this right away and all at once. Take the time and choose your purchases wisely.


Keep track of your cards


Some mobile wallets allow you to keep track of your gift cards Balance, and balances electronically. Keep in mind that not all retailers can be able to scan or accept gift cards from your Mobile.


Remember your  Gift Cards balance before making a purchase


If you know your cards balance before heading for the store and clicking the purchase button, you would  not be caught off guard by total. It will make this easier for you and stick to your budget rather than be tempted for overspend.


Save from Scams 


Need to know the risk of buying a Express Gift Card Balance off a stranger on bulletin board compared to purchasing this directly from a retailer. That discount they can be offering would not be worth this, If the gift card turns out to be unusable. Protect yourself from scams through checking that the gift card and it is packaging have not been tampered with and by verifying its value with the retailer. If you buy gift cards from the retailer, some scammer could copy the PIN code number off the back while it’s at the store rack and redeem them online later. Protect yourself by choosing gift cards with a hidden PIN code and keeping receipts that show how much you paid from your Cards.


How to buy gift cards?


Most gift cards may be purchased online. To buy Amex Gift Balance, you need to visit the retailer’s website and select the desired denomination, Then provide either your own email address and email of the intended recipient to where the gift card will be sent electronically.


You Can Also Redeem Points to a Gift Card Using Your Available Balance and Membership Rewards Point Once You Have Accumulated Enough Points.


How can You Check Your Gift Cards Balance


To check your transaction history and your card balance, visit the website of the issuing merchant and usually listed on the back of the gift card. You will need to log into your account with information like the card number and the security code on front or back.


Visit Website : www.omexgift.com

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