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Gift Card Vs. The Prepaid debit card: What’s the better gift? Advertiser disclosure You’re our first priority. Every time. We believe that every person should be able to make sound financial decisions without hesitation. Although our site does not include every company or financial product available on the market however, we’re confident that the guidance we offer and the information we offer as well as the tools we design are independent, objective, straightforward — and free. So how do we make money? Our partners compensate us. This can influence the products we write about (and where those products appear on the site) however it in no way affects our advice or suggestions which are based on hundreds of hours of research. Our partners are not able to promise us favorable ratings of their goods or services. . Gift Card Vs. prepaid debit card: What’s the better gift? Gift cards are the clear winner when it comes to a simple gift of cash. Prepaid debit cards function than bank accounts. By Spencer Tierney Senior Writer | Certificates of Deposit ethics, banking ethical, deposits Spencer Tierney is a consumer banker writer at NerdWallet. He has been writing about the personal financial sector since with a focus on certificates of deposit, as well as other banking topics. His work has been featured in The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. The location is Berkeley, California. Dec 22, 2022 Edited by Sara Clarke Assistant Assigning Editor | Banking Sara Clarke is an editor who joined NerdWallet with over two years of experience in newsrooms, including U.S. News & World Report. She started her journalism career with The Washington Post and later worked at Roll Call, McClatchy-Tribune and The Seattle Times. Sara has been featured in SiriusXM Business Radio and iHeartMedia’s WHO Newsradio and has been quoted by The Salt Lake Tribune, The St. Paul (Minnesota) Pioneer Press and other publications. She graduated in the U.M.’s Philip Merrill College of Journalism. Email:

. Many or all of the products we feature are made by our partners who compensate us. This impacts the types of products we write about and the location and manner in which the product appears on a page. However, this doesn’t influence our opinions. Our views are our own. Here is a list of and . Cash is an easy gift idea, but the shape it should take is a different issue. The idea of putting bills in an envelope could be a good idea however, it’s not the most ideal It’s impossible to get cash back if it gets lost or stolen. Plus, it’s easy to forget it was a gift when it’s tucked into a wallet. It’s better to store cash in plastic cards is better in the event that you select wisely among gift cards or debit cards that are prepaid. Learn more about. Gift cards vs. pre-paid debit cards Let’s start with what they have in common both are pre-paid cards, which means you put money on the card prior to shopping at both physical and online stores. They also protect you from loss when you sign them under your own name. It is possible to find both kinds of cards within the same aisle of a shop, such as Walgreens and Target, so make sure you know which one you’re buying. The primary distinction between a giftcard and a prepaid debit card is that the gift card is an instant spending card while a prepaid debit card is a reloadable option that has most features and fees that a checking account and a linked debit card have. Gift cards have one job: to buy goods at the brand of a specific store or at any store which accepts a payment system like Visa, Mastercard or American Express. They don’t allow cash withdrawals and aren’t refillable. The debit cards that are prepaid have a range of tasks: purchase items; cash out at ATMs, banks or certain shops; or use web features such as bill pay. They are also reloadable. Because of their flexibility they can be used as budgeting tools, or even replacements of checking accounts. They’ve traditionally been for curbing spending, however in recent years there have been increasing amounts (a usual cost of excessive spending) and also to track spending. More The winner gift cards. Gift cards live up to their name: they are gifts. Their simple nature is the reason they are a better choice to gift. However, there’s a second reason. Prepaid debit cards generally are subject to monthly fees, similar to checking accounts do and the fees, often between $5 and $10, could be as high as $120 per year. There could be other fees as well like transaction or inactivity charges. It’s a most suitable choice, but they’re not all equally good deals. The general-use gift cards like those offered by Visa and Mastercard, tend to have an upfront fee, commonly known as a purchase fee that the person giving the gift would have to be required to pay. The fee might be $2.95 to $5.95 dependent on the amount added on the card based on the gift card’s websites. However, there aren’t many fees following purchase. However, there are exceptions. Banks may provide general-use gift cards, which have charges for replacement cards or inactivity fees. These may get charged monthly after a year of no card use. You can get around most of, if not all charges by purchasing a store brand gift card. Be aware of the terms and fees on the gift card prior to you purchase it to ensure that the gift you give to your loved ones brings joy with no fees attached. About the author: Spencer Tierney is an expert on certificates of deposit at NerdWallet. The work of Spencer Tierney has been highlighted in USA Today and the Los Angeles Times. On a similar note… Discover an account that is more suitable for checking View NerdWallet’s top picks for the best checking accounts. Explore Banking even more deeply. Make smarter money decisions delivered straight to your inbox. Sign up and we’ll send you Nerdy articles on the topics in finance which matter to you the most and other strategies to help you make the most from your money.

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