Can you buy gift cards with a credit card?

You can typically use your credit card to buy gift cards. But it’s worth checking with retailers and your credit card issuer to understand rules and exclusions. 

What you’ll learn:

• Generally, you can buy gift cards with a credit card. 

• There are two types of gift cards: retail cards and network cards. 

• The type of gift card can affect how issuers view the transaction, which can affect rewards eligibility, fees and more.

• There may be restrictions on the number of gift cards you can buy with a credit card.

There are two main types of gift cards you might be able to buy with a credit card: 

• Retail gift cards: Also known as closed-loop gift cards, retail gift cards are sold by and redeemed with specific merchants or brands.

• Network gift cards: Also called open-loop gift cards, network gift cards are issued by credit card networks. You can use them anywhere the network’s cards are accepted.

A credit card can be a convenient way to pay for anything, including gift cards. Whether purchasing a gift card online or in person, you can typically use your credit card to buy one the same way you would with any other payment option.

Depending on your credit card and the type of gift card you’re purchasing, you may be able to earn rewards. But if you’re planning to use your credit card to buy gift cards, here are a few thoughts that might help you avoid unexpected costs or other surprises:

• Purchase limits: Merchants could limit the number of gift cards you can buy with your credit card in a single transaction.

• Fees: Some credit card issuers may classify a gift card purchase as a cash advance, which can mean extra fees and no grace period. And some gift cards have activation fees in addition to their face value.

• Rewards exclusions: Some credit card issuers don’t reward cardholders for gift card purchases. If you have a Capital One card that earns rewards, you’ll earn cash back or miles every time you use your credit card to make a purchase.

Here are the answers to some frequently asked questions about buying gift cards with a credit card:

Using a credit card to buy gift cards in stores or online can offer convenience and the chance to earn rewards. But it’s worth knowing the associated policies and fees of both the gift card retailer and the credit card you use.

You can earn cash back on every purchase, every day with a cash back rewards credit card from Capital One. See whether you’ll be approved for rewards cards, with no harm to your credit scores.