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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