Use your prepaid gift cards wherever PayPal is accepted. Consumer advocate Clark Howard cites fees, a lack of ease of use (especially at restaurants and gas stations), and potential fraud as reasons he doesn't recommend Visa gift cards (or rather any generic gift cards). Those changes prompted most retailers to adjust their own policies, which now makes it easier for you to purchase a prepaid card with your credit card.

Here are our personal favorites, all of which offer cash back or discounts on your gift card purchases. Prior to purchasing a gift card, the U.S. Department of the Treasury recommends that you read the product disclosures to understand the important terms and conditions of the account.

You'll need to provide the lost or stolen Visa Gift card number for cancellation and replacement. A better option, according to experts: Buy gift cards online, not in person. And many, if not most, rewards cards allow you to redeem your rewards for gift cards.

Consumers spend more than $130 billion on gift cards per year , according to advisory company CEB TowerGroup, but roughly $1 billion of that goes unspent. For the in-store purchase, you need to give your Target Gift Card to the cashier and sign the receipt. Many Visa Gift cards are activated upon purchase and ready to use.

Not all gift card purchases qualify for the card's 5% discount. You can also register your gift card and change the PIN. Mastercard Prepaid Gift Cards are great for holidays, birthdays, graduations and anything in between. So this is the simple step to Check your Target Gift Card Balance from MyBalanceNow.

While Visa prepaid cards offer cardholder protection from fraud, they won't provide rewards and other services that you'll find on the credit cards listed above. The program is available in 1,562 Target stores in the electronics department. Not had any problem using GCs to purchase MOs at Walmart and loading Amex Target cards.
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