Gift Cards: Reviews

Most retail gift cards can only be used at the issuer's store or website, but the Gap Options Card can be used at any of the four Gap-owned stores, Gap, Old Navy, Banana Republic and Piperlime.com, and you can use the… card for online purchases as well. The Gap Options Card has no fees or expiration dates, but it can only be purchased online (not in stores). The Options Gift Card is available in denominations ranging from $10 to $200.

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Reviewers say that most bank-issued gift cards aren't a great deal because of accompanying fees and restrictions. Among gift cards from the major credit-card networks, the Discover Gift Card has some of the least… restrictive terms. While some cards expire in as little as six months, the Discover Gift Card is good for two years, and there are no maintenance fees as long as you use the card once within a 12-month period. It can be used anywhere that Discover is accepted, but residents of CO, CT, HI, NH, RI, TN and VT can't buy the card (it can be redeemed in those states, however).

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The Sears eGift Card works like a regular gift card, but it arrives by e-mail, so you don't pay a shipping charge. Sears eGift Cards can be used online and over the phone, but unlike some e-gift cards, they can also be… used in any of the 2,000 Sears stores, as well as Lands' End and Kmart. Sears gift cards never expire, and you can check your card balance online anytime. They are available in denominations from $5 to $500.

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