A practical guide to choosing and saving on gift cards. Learn when to pick store cards vs Visa gift cards or eGift cards, and how to find gift card deals while avoiding pitfalls.

Whether you're short on time or shopping for a picky recipient, gift cards offer flexibility and instant gratification. Decide between physical cards and eGift cards based on how the recipient prefers to shop, delivery speed, and whether you want something to wrap.

Know the difference between closed-loop and open-loop cards. Closed-loop store cards lock you into one retailer, while open-loop options like Visa gift cards work almost anywhere that network is accepted. Compare activation fees, purchase limits, fraud protections, and portability (can it be added to a mobile wallet?).

Stretch your budget by looking for gift card deals. Check weekly promos from major retailers, seasonal bonuses, warehouse clubs, and reputable discount marketplaces. Stack savings with cash-back portals, credit card category bonuses, and loyalty programs—but avoid third-party sellers with poor reviews or requests for payment via cryptocurrency.

Lean on trustworthy shopping guides for occasion-based picks, etiquette (how much to load), and personalization ideas like pairing a small card with a handwritten note. Track balances, register cards, save receipts, and set reminders to use any small leftover amounts. If a recipient prefers cash value elsewhere, consider secure resale or exchange sites. With a little planning, gift cards, Visa gift cards, and eGift cards can feel thoughtful while staying on budget.