How to Get Cash From a Visa Gift Card?  Ways to Convert Visa Gift Cards to Cash

Unlocking the Value of Visa Gift Cards: Your Comprehensive Guide to Converting Gift Cards into Cash

Have you ever received a Visa gift card that you’re not quite sure how to use? Maybe it’s from a store you rarely visit or for a restaurant that isn’t your favorite. In situations like these, you might find yourself wanting to convert that Visa gift card into cash. After all, why let its value go unused when you could have the flexibility to spend it on your own terms?

In this comprehensive guide, we’ll walk you through the step-by-step process of how to get cash from a Visa Gift Card. Whether you’re looking to deposit the funds into your bank account, obtain paper money from an ATM, or explore other methods, we’ve got you covered with strategies and tips to make the most of your gift cards.

This guide is focused on unlocking the value of Visa gift cards by converting them into cash. We’ll provide you with insights, instructions, and practical advice tailored to Visa gift cards specifically.

Throughout my career as a financial planner, I’ve encountered numerous clients facing a common dilemma – unused gift cards that don’t quite align with their financial goals. One client, for instance, received a gift card for a high-end boutique, but her preference was to save for an upcoming vacation.

By strategically converting the gift card’s value into cash, we were able to redirect those funds towards her travel fund, ensuring her financial objectives were met.

Key Points: Can You Get Cash From a Visa Gift Card (or Vanilla Gift Card)

  1. Types of Gift Cards: There are three main types of gift cards: store gift cards (usable only at specific stores), restaurant gift cards (for specific restaurant chains), and general purpose gift cards (Visa, Mastercard, etc. usable anywhere). General purpose cards are the most flexible, while store and restaurant cards are more limited.
  2. Maximizing Value from Store and Restaurant Gift Cards:
    • Use this card’s value for purchases at the designated store or restaurant.
    • Re-gift the card to someone else.
    • Sell unwanted gift cards at a reduced rate on exchange websites.
    • Check if the merchant offers gift card trade-in programs for cash.
  3. Online Purchases and Bills: Use your prepaid Visa gift card for online purchases as if it were a prepaid card or credit card. Paying bills online with your gift card also optimizes its value.
  4. ATM Withdrawal and Other Methods:
    • Vanilla Visa gift cards can sometimes be used for ATM withdrawals, but it’s important to review terms and conditions.
    • Transfer the card’s balance to a bank account or digital wallet.
    • Convert the gift card into a money order.
    • Explore selling or exchanging the card for cash using kiosks, online platforms, or direct trades.
    • Consider investing the funds for future returns, depending on your goals.

Overview of Gift Card Types

Before we dive into the techniques for turning Visa gift cards into cash, it’s important to get a good understanding of the different types of gift cards that are out there and the unique challenges that come with each one.

Knowing the differences between store gift cards, restaurant gift cards, and general purpose gift cards will provide us with a solid base as we move forward to explore the strategies ahead.

There are a few main types of gift cards to be aware of:

  • Store gift cards – Can only be used at a specific store or retailer. For example, a Starbucks or Amazon gift card.
  • Restaurant gift cards – Work at a particular restaurant chain. For example, an Olive Garden or Domino’s Pizza gift card.
  • General purpose gift cards – Branded cards like Visa, Mastercard, or American Express that can be used anywhere the brand is accepted.
Gift Card TypeDescriptionFlexibilityProsConsCashing Out
Store Gift CardsLimited to specific retailers like Starbucks, Amazon, etc.Least flexibleEncourages specific purchasesLimited usabilitySell online, trade
Restaurant Gift CardsDesigned for specific restaurants such as Olive Garden, Domino’s Pizza, etc.Moderate flexibilityIdeal for dining outRestricted to select restaurantsSell, trade
General Purpose CardsVersatile branded cards (Visa, Mastercard, American Express) usable anywhereMost flexibleAccepted widely, online & offlineMay have fees, less personalizedSpend, sell, transfer

General purpose cards act like debit cards, while store and restaurant cards are more restricted.

Maximizing Cash Value from Store and Restaurant Gift Cards

Strategies to Unleash the Potential of Your Store and Restaurant Gift Cards: Store and restaurant gift cards are the most limited in terms of getting cash for your Visa gift card. Here are your options with these types of cards:

  • Spend the card’s value by making purchases at that store or restaurant. This allows you to save your actual cash.
  • Re-gift the card to someone else to spend at that merchant.
  • Sell unwanted gift cards for cash at a reduced rate on a gift card exchange website or to someone you know. You won’t get full value, but will get some cash.
  • See if the merchant offers gift card trade-in programs for cash. For example, Amazon allows trading Amazon gift cards for cash.
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In summary, store and restaurant cards are meant for purchases at their business. You’ll typically need to sell or exchange them if you want actual cash.

In essence, store and restaurant gift cards are primarily tailored for transactions within their designated businesses. If your aim is to acquire tangible cash, selling or exchanging these cards is the usual route.

With this foundational understanding, let’s proceed to explore the strategies and methods for converting the value of Visa gift cards and Vanilla gift cards into actual cash. These two types of gift cards stand out for their widespread popularity and versatility, making them a focal point of our guide on unlocking the potential of your gift cards for financial flexibility.


Get Ready for Some Exciting News: Ways to Get Cash From a Visa Gift Card

Imagine having the flexibility of using general purpose gift cards like Visa Vanilla Gift Cards, Mastercard, and American Express. These cards are incredibly versatile, giving you the freedom to use them wherever these renowned brands are accepted.

So, are you curious about converting your Visa gift card into cash? Get ready for a wealth of opportunities coming your way. The possibilities are endless, going beyond specific stores, much like the convenience of credit cards. Embracing this flexibility brings along a host of benefits and factors worth considering.

Can You Get Cash From a Visa Gift Card? (Read More)

It’s important to note that transforming a Visa gift card into cash isn’t always a straightforward process. Due to the variety of cards available and the diverse regulations set by different merchants, the methods for conversion can vary significantly.

This is why I’m providing you with a comprehensive list of options to attempt. Feel free to share your experiences in the comments section – let us know what methods proved effective and which ones didn’t quite work out as expected.

Here is a video that goes through some of the complexities many people face when trying to convert a gift card to cash:

Do Gas Stations Sell Gift Cards

Embarking on a Journey to Unlock Your Visa Gift Card’s Hidden Value: An In-Depth Guide

Think of Visa gift cards as a treasure chest of potential beyond their initial purpose. If you’re intrigued by the idea of turning your Visa gift card into cold, hard cash, get excited. This comprehensive guide is your ultimate companion, expertly walking you through each step and strategy required to seamlessly transform the value of your gift card into real, spendable cash.

Best Way to Convert Visa Gift Cards into Cash

How to Get Cash From a Visa Gift Card
How to Get Cash From a Visa Gift Card

The easiest way to use a gift card is with purchases. But with some legwork and planning, you can also turn gift card value into physical cash in your wallet or transfer the card to your bank account.

Using Your Visa Gift Card for Online Purchases

One of the simplest ways to tap into your gift card’s value is by using it for online purchases. Treat it like a prepaid card or credit card during checkout. Add your gift card as a payment method, enter the card number, and complete your purchase. This method works seamlessly on numerous online platforms, granting you the freedom to shop as you would with cash.

Do Credit Cards Have Routing Numbers?

Using your Visa gift card for online purchases is convenient and widely accepted. However, it’s important to note that Vanilla gift cards might pose challenges, such as difficulties adding zip codes during checkout. Ensure you’re aware of these potential issues to make the most of your online shopping experience.

Starting in late summer 2023, Vanilla gift cards have become harder to use for online purchases.  Many people are having trouble adding their zip code to Vanilla gift cards. So let’s look at several other alternatives for how to get cash from a Visa gift card, or converting Visa gift cards into cash.


How to Get Cash from a Vanilla Visa Gift Card: 9 Ways to Get Money from a Visa Gift

Similar to Visa gift cards, Vanilla gift cards can be used for a range of purposes. Whether it’s paying bills online, making purchases, or even withdrawing cash from ATMs, these cards act much like debit cards. Additionally, you can transfer your Visa gift card balance directly to your bank account or PayPal wallet, enhancing your financial flexibility.

Step 1: Check Your Visa Gift Card Balance

Before you embark on your journey to convert your Visa gift card into cash, it’s crucial to know the available balance. This ensures you don’t inadvertently overspend or encounter any issues along the way.

To check your Visa Gift Card balance, you have a few options:

  1. Check the back of the card: Look at the back of your gift card, where you will typically find a toll-free number that you can call to discover your balance
  2. Visit the card issuer’s website: Many card issuers provide an online platform where you can check your balance. Visit the website listed on the back of the card and enter your card’s 16-digit number and security code
  3. Use the issuer’s mobile app: If the Visa gift card was sent to you digitally, check your email for the original link to activate the gift. Some issuers may have a mobile app that allows you to check your balance

For Vanilla Visa Gift Cards, you can check the balance by:

  1. Calling the toll-free number: Dial 1-833-322-6760 to check your Vanilla Visa Gift Card or eGift balance
  2. Visiting the Vanilla Gift website: Go to and enter your Gift Card’s Security Code to check your balance

Additionally, you can check your Visa or Mastercard gift card balance on websites like or by entering your card information. Remember to have your card details, such as the 16-digit card number, expiration date, and CVV, ready when checking your balance online or over the phone

Convert a Visa Gift Card to cash
Convert a Visa Gift Card to cash

Using Visa Gift Cards as Debit or Credit Cards: Unlocking Cash Flexibility

Visa gift cards can frequently be used online or at local stores, just like debit or credit cards. This versatility allows you to seamlessly integrate your gift card into your spending routine.

Think of it as a prepaid card that functions just like a credit card. You can seamlessly add it as a payment method during checkout.  Whether you are buying gas, groceries or paying your utility bills.  It is a quick and easy way to use your Visa gift instead of cash for purchases you need to make anyway.

Pay Bills Online with Your Visa Gift Card

Another smart move is to pay your bills online using your Visa gift card as if it were a debit card. Many online platforms accept debit card payments. This not only efficiently uses your gift card value but also simplifies your finances.

  • Pay bills online that accept debit cards. This saves your cash for other needs.  But again, Vanilla gift cards may have trouble doing this now.
  • You’re essentially spending the card’s value instead of your own money.

Get Cash from a Visa Gift Card by Getting “Cash Back” at Merchants

  • Use Visa gift card for payments – Make purchases online.  Or even better, at a local store and get “cash back” at merchants that offer this.

Many retailers offer the option to get “cash back” when you use your Visa gift card for purchases. This means that, in addition to your intended purchase, you can request an extra amount in cash, up to a certain limit. It’s like a mini ATM right at the store, and it saves your physical cash for other needs.

While using your Visa gift card for cash-back at merchants is convenient, be aware that some retailers might charge higher fees for this service. Always weigh the costs against the benefits before opting for this method.


Accessing Cash with a Vanilla Gift Card: Exploring ATM Withdrawal

When it comes to obtaining cash from a Vanilla gift card, utilizing an ATM might come to mind. However, not all Vanilla Visa gift cards can be employed for ATM cash withdrawals due to varying terms and conditions associated with each card.

  • Keep in mind that while some types of Visa gift cards may allow direct ATM cash withdrawals, certain ATMs might levy fees for such transactions. Therefore, it’s advisable to liaise with your card provider to gain clarity on any potential fees.
  • It’s important to note that Vanilla Visa gift cards do not support ATM cash withdrawals due to the absence of a required PIN. If this method is your preference, you’ll need to explore alternative ways to convert your card’s value into cash.
a person doing online shopping

To help you navigate this process, here’s a step-by-step guide:

  1. Review the Terms and Conditions: Start by carefully examining the terms and conditions that accompany your Vanilla Visa gift card. These documents will indicate whether your card allows ATM cash withdrawals.
  2. Acquire a Personal Identification Number (PIN): If your Vanilla Visa gift card permits ATM usage, you’ll need to obtain a 4-digit Personal Identification Number (PIN) associated with the card. This PIN will grant you access to withdraw cash from ATMs.
  3. Visit an ATM: Once you have confirmed that your Vanilla Visa gift card supports ATM withdrawals and have secured your PIN. Then locate an ATM that you can use your card from Visa to get cash from an ATM.
  4. Enter Your PIN: At the ATM, follow the on-screen prompts and enter your 4-digit PIN as directed. This action will enable you to access the available cash balance on your Vanilla Visa gift card.

Transfer Money from a Visa Gift Card to a Bank Account

Transferring Visa Gift Card Balance for Added Convenience

For those seeking a more streamlined approach, consider the possibility of transferring your Visa gift card balance to your bank account or PayPal wallet. This avenue not only amplifies your financial versatility but also empowers you to utilize these funds according to your unique preferences.

To execute this transfer, you can follow these straightforward steps:

  1. Add Your Visa Gift Card: Begin by integrating your Visa gift card into your bank account using platforms like PayPal.
  2. Balance Transfer: Initiate the process of transferring the balance on your card to your linked bank account or debit card.
  3. Benefit from Extra Choices: Once the funds are in your bank account, you can seamlessly access them for various financial transactions.

Another Way to Convert a Visa Gift Card? Purchase a Money Order

Another avenue worth exploring is converting your Visa gift card into a money order. Here’s how:

  1. Purchase Money Orders: Utilize your Visa gift card to procure money orders, whether at USPS or locations like Walmart.
  2. Access Cash: By depositing these money orders into your bank account, you gain convenient access to the cash value.

This process is akin to currency exchange during international travel, providing you with a practical means to convert the card’s value into usable cash.

Now, keep in mind that technical the terms and service of money orders may not allow you to use a gift card to purchase a money order.

And some money order services will not allow you to purchase a money order with a gift card. So take this one with a grain of salt, but it is poswsible.

Transfer a Visa Gift Card to a Cash App or Digital Wallet

Introducing Digital Wallets: Another alternative is that you can leverage the increasingly popular digital wallet.  Digital wallets provide a secure and efficient way to manage your gift card balances. 

  1. Digital Wallets: Add your gift card to popular digital platforms like PayPal, Venmo, or Cash App.
  2. Transfer Balance: From there, transfer the balance to your connected bank account or debit card linked to the wallet. Be prepared for a processing time of 1-3 business days.

Sell Your Visa Gift Card to Get Cash in Hand: Convert Your Visa Gift Card at a Gift Card Exchange Kiosk

Gift Card Exchange Kiosks: Resell or exchange your Visa gift cards for cash.

These specialized kiosks, found in malls and grocery stores, offer an avenue to convert your Visa gift card’s value:

  1. Sell or Exchange: You can sell your unwanted gift cards for cash online through platforms like CardCash, GiftCardGranny, or Raise. While you may not receive the full value, these sites connect you with buyers willing to pay a reduced rate.
  2. Kiosk Transactions: Exchange the gift card for cash at designated kiosks, similar to the online selling process. This method allows you to reclaim a portion of the remaining card value.
  3. Direct Trades: Engage in direct trades with acquaintances, essentially reversing the gifting process.


How To Sell a Gift Card Online


Investing for Future Returns

Consider a forward-thinking approach by utilizing your gift card funds for investment purposes:

  1. Investment Avenues: Explore stocks, bonds, mutual funds, and other investment opportunities.
  2. Generate Returns: Over time, these investments can yield returns that you can eventually withdraw as cash.

In summary, general purpose gift cards offer more options for getting cash. The best method depends on your specific needs and timeline.

Frequently Asked Questions

Q: How can I convert a Visa gift card into cash?

A: There are multiple ways to convert a Visa gift card into cash. You can sell your gift card online on websites like Gift Card Granny or use the gift card at an ATM to withdraw cash.

Q: Can I use a Visa gift card to pay bills?

A: Yes, you can use a Visa gift card to pay bills. Many bill payment services and online platforms accept Visa gift cards as a form of payment.

Q: How can I transfer the money from a Visa gift card to my PayPal account?

A: To transfer the money from a Visa gift card to your PayPal account, you can add the card to your PayPal wallet and then use it for online transactions or transfer the funds to your linked bank account.

Q: What is the best way to convert a Visa gift card into cash?

A: The best way to convert a Visa gift card into cash depends on your preferences and convenience. You can sell your gift card online, use it at an ATM, or transfer the balance to your bank account.

Q: Can I use a Visa gift card to make a money order?

A: Yes, you can make a money order with your Visa gift card. Visit a bank or post office that offers money order services and use your gift card to pay for the money order.

Key Things to Keep in Mind

  • There may be fees associated with some cash-out methods, like ATM charges. Factor these in when evaluating options.
  • You likely won’t get 100% of a gift card’s remaining value when reselling or exchanging it. The buyer takes on risk that the card is legitimate and working.
  • Check gift card terms and conditions for any limitations or restrictions on use. For example, if ATM access is allowed.
  • For store cards, call ahead to see if they offer any gift card trade-in programs for cash. Policies vary by merchant.
  • Be wary of sites or people offering to exchange gift cards for cash instantly at full value. This is often a scam. Some loss is typical.
  • If reselling online, use reputable established sites to avoid scams. Check site reviews.


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Next Steps – What Are Your Thoughts on Converting Visa Gift into Cash

In summary, general purpose gift cards offer more options for converting Visa gift cards into usable cash. The best method depends on your specific needs and timeline.

In conclusion, the journey from gift card to cash is one marked by adaptability and choices. Each method offers its own set of advantages and considerations, ensuring there’s a solution that aligns with your financial goals.

By leveraging the strategies outlined in this guide, you can confidently unlock the hidden potential of your gift cards, transforming them from a source of uncertainty into a valuable asset in your financial arsenal.