I couldn’t find a single place (including ChatGPT!) that clearly lays out all the fees attached to Visa gift cards (the non-reloadable type), so I pulled this list together.

https://docs.google.com/spreadsheets/d/1zXrBUO9ePHEqDCDeX1cxvsQ_bGtgarwGOtBNtKwoeHQ/edit?gid=0#gid=0

Common / documented fees:

• Activation or purchase fee – sometimes called different things, usually $2.95–$6.95 depending on load amount.

• Inactivity / dormancy fee – only allowed by law after 12 months of no use; often ~$4.95/month

• Replacement card fee – if lost or stolen, often $5–$8 to reissue.

• Foreign / currency conversion fee – ~2% if the card can be used abroad (though most are U.S.-only).

• Paper statement / mailing fees – if you request mailed copies of your balance or history (who wants paper, but...)

• Decline / denial fee – a few issuers charge when a transaction is attempted for more than the balance (be careful at gas stations with the $200 holds - always go inside)

• Card cancellation / refund fee – if you request a check for leftover funds, some issuers deduct ~$10.

This list definitely isn't comprehensive, and fees can keep changing. If you’ve seen other examples that you think are helpful to the group (or if you’ve found a truly no-fee Visa gift card, not just a temporary promo - that would be awesome!), drop them in the comments. I’ll validate and update the list.