When it comes to purchasing gift cards, many people wonder if they can use their credit cards as a form of payment. The answer is generally yes, you can buy gift cards with a credit card at most retailers. However, there are a few considerations and potential complications you should be aware of before proceeding. This article will explore where you can use credit cards to purchase gift cards, the benefits of doing so, and some important things to watch out for. 

Where Can You Buy Gift Cards with a Credit Card?

Most major retailers, supermarkets, and online stores allow customers to buy gift cards using credit cards. This includes popular chains like Walmart, Target, Amazon, and grocery stores like Kroger and Safeway. Whether you are looking to purchase a specific store gift card, a restaurant gift card, or a general-purpose prepaid gift card like those from Visa or Mastercard, you can generally use a credit card for these purchases.

Benefit of Buying Gift Cards with a Credit Card

There are several advantages to using a credit card to buy gift cards:

  1. Rewards and Cashback: Many credit cards offer rewards points, miles, or cashback on purchases. Buying gift cards can be a great way to rack up these rewards, especially if you’re planning to spend money at certain retailers anyway.
  2. Purchase Protection: Some credit cards come with purchase protection that can help you in case of fraud or other issues. This protection often extends to gift card purchases.
  3. Convenience: Using a credit card allows for quick and seamless transactions, both online and in-store, making it a convenient option for last-minute gifts or self-use.

Things to Watch Out For

While buying gift cards with a credit card is usually straightforward, there are several factors you should consider:

1. Cash Advance Fees: Some credit card issuers may classify the purchase of a gift card as a cash advance, which comes with higher interest rates and additional fees. It’s crucial to check with your credit card issuer about their policy regarding gift cards to avoid unexpected charges.

2. Store Policies: Certain stores might have restrictions on purchasing gift cards with a credit card, especially for large amounts, due to concerns over fraud. Always check the store’s policy before attempting to make a large gift card purchase.

3. Credit Score Impact: If you buy a lot of gift cards on your credit card, it could push up your credit utilization ratio (that’s the amount of credit you’re using compared to what you’ve got available). High utilization can hurt your credit score.

4. Fraud Risk: Gift cards are a common target for fraudsters. If you’re buying gift cards in large quantities, ensure that the retailer has adequate security measures in place to protect your purchase.

How to Buy a Gift Card with a Credit Card

To purchase a gift card using a credit card without any issues, follow these steps:

1. Verify the Retailer’s Policy: Before making a purchase, confirm that the retailer allows gift card purchases with a credit card. This information can often be found on their website or by asking in-store.

2. Understand Your Credit Card’s Terms: Check with your credit card issuer to ensure that buying a gift card won’t be treated as a cash advance.

3. Check for Fees: Ensure there are no additional fees associated with purchasing a gift card with your credit card.

4. Complete the Purchase: If everything checks out, proceed with your purchase as you would with any other item.


Yes, you can buy gift cards with a credit card in most places without any problem. It’s a great way to quickly pick up a gift or snag some extra credit card perks. Just keep an eye on a few details to make sure you’re getting the best deal and not accidentally bumping into fees or credit issues.

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