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.

With the 5x back on PayPal with the freedom flex in looking to take advantage of this for bills and Christmas shopping. Any recommendations?