Discover Gift Card

Reviewers say the Discover Gift Card has some of the most favorable terms among network branded gift cards. However, while the Discover Gift Card can be used at more locations than retailer-issued gift cards, you pay a price for that versatility in fees and an expiration date. While you generally just pay for the monetary value of retail gift cards, the Discover Gift Card costs an additional four dollars. What's more, it expires 24 months from the date of purchase. There is also a monthly maintenance fee of $2.50, but not until 12 consecutive months of non-use. Still, experts suggest that you use up the balance of the card quickly to avoid fees altogether. The Discover Gift Card is sold online in denominations from $20 to $500. Reviews suggest you consider store gift cards, such as the Gap Options Card (no purchase or shipping fees).

We found the best review of the Discover Gift Card in a report by the Montgomery County (Maryland) Office of Consumer Protection. This annual report gives in-depth information regarding the terms and fees of popular gift cards. BankRate.com also compares the terms of major gift cards, though with less detail. CreditCards.com lists details of several major gift cards. Note that this card is not available in Colorado, Connecticut, Hawaii, New Hampshire, Rhode Island, Tennessee or Vermont.