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Monday, December 05, 2016
Financial and Consumer Affairs Authority

Buying someone a gift card this year?

Gift cards are one of the most popular gifts to give during the holiday season. They are a simple, low-fuss way to give your friends and loved ones the chance to buy something they’ll really love from their favourite retailers.

Before you buy a card, be sure to read the fine print and ask the retailer if there are any limitations on the card’s use. All fees (activation, maintenance, usage) must be paid up front at the time of purchase. Fees are not allowed to be charged after the card has been purchased.

 

gift card tips

Pros and Cons of Gift Cards

Pros

• Easy to use
• Portable
• Can't Expire*

          

Cons

• Less Flexible than cash
• May be subject to limitations or restrictions
• May encourage overspending in addition to the value of the card


*The physical instrument may expire or change, but the customer always retains the value of the card. For example, a paper gift certificate may be reissued as a plastic card with a chip.

Commonly Asked Questions About Gift Cards

 

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