Discover Gift Cards

Consider Discover gift cards for your father, coworker, child's teacher or any other hard-to-buy-for person in your life. Gift cards allow the recipient to purchase whatever they want at any retailer that takes the Discover Card. According to the Discover website, millions of locations accept the card.

Discover also offers cash back credit cards.

With a gift card, you don't have to worry about sizes, colors or personal tastes and the recipient can buy something they really need or really want. Discover gifts come in any dollar denomination from $20 to $500 so you can either purchase them to meet your gift budget or match the dollar amount to a specific item. For example, if you know your brother wants some new games for his PlayStation, but you can't remember if he already owns Madden Football 2008, you can give him a gift card in the amount of a game. Then he can pick out whichever game he prefers. This cuts down on duplicate gifts and time spent in line at the returns desk.

These gift cards can be purchased online at www.discovergiftcard.com or by calling 1-866-522-7026. Some malls also sell them at the information desks. They are not available in certain states including Connecticut and Hawaii. Unlike some bank gift cards, Discover cards can be purchased by anyone, not just Discover card members.

Discover gift cards can be personalized with the recipient's name and a customized message. This makes them a little less impersonal than a standard gift card. You can express your gratitude or tell someone how much they mean to you when you give them their card.

Discover also makes festive cards with matching sleeves for many different occasions. The company makes cards for weddings, baby showers, graduations, Bat Mitzvahs and anniversaries.

Another benefit to Discover gift cards is that they are replaceable if they are lost or stolen. However, the company does charge a $5.00 replacement fee.

Some gift cards cannot be replaced if they are lost, so both the gift giver and receiver are out of luck and money if the cards are misplaced. In fact, The Tower Group, a research subsidiary of Mastercard, claims that consumers lose nearly $8 billion annually — approximately 10 percent of gift card sales — due to unredeemed, expired, or lost cards.

Gift givers should always include the original receipt with the gift card. This will make it easier to replace the card if it is lost or stolen. Gift recipients should call the toll free Discover number as soon as the card goes missing to order a replacement. In order not to be one of the many people who doesn't redeem their gift cards, experts recommend using the card as quickly as possible. That way you have less of a chance of losing it.

One more thing that sets Discover cards apart from other bank gift cards is that Discover ships the cards free of charge. Other banks charge for shipping.

There are some negative associated with Discover gifts. For starters, they are not available in all fifty states. Make sure your gift recipient will be able to use it, before you purchase. The Discover company charges a $4 fee on top of the card amount at the time of purchase. Also, there are monthly maintenance fees of $2.50 for the card after the first twelve months. Plus after two years, the cards expire.

Even with these negativesd, gift cards are a popular and convenient gift option. They can be personalized. They help eliminate waste and excess wrapping paper and they can cut down on shopping time.

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