Fee free Visa gift cards that you probably don’t want

Valid through 12/16, IncentiveCardLabs is offering Visa gift cards fee free with code HappyHolidays


With large denominations, they add on an extra fee, but if you buy the gift cards with $250 or less in value per card, you can buy them online with no fees other than a single shipping charge.  For example, here’s my sample checkout with 40 $250 Visa cards and the promo code HappyHolidays applied:


Why you might not like this deal: No PIN

This above promo is great for those who want to buy Visa gift cards for real promotional uses (e.g. for prizes or gifts to customers).  If, however, you are thinking of buying them just to earn miles you should know that these gift cards have no PINs.  So, they cannot be used to load Bluebird, for example.  Here are the details from their FAQ (bolding is mine):

How does the Visa Incentive Card work?

A Visa Incentive Card can be used wherever Visa debit cards, Interlink® cards and STAR® cards are accepted. To use the card at a point-of-sale terminal, simply select “credit” and sign the receipt. A Visa Incentive Card does not have a PIN, therefore, selecting “debit” will cause the card to be declined. Each time the Visa Incentive Card is used, the purchase amount is deducted from the available balance until that balance reaches zero. Once the entire card amount has been spent, it can no longer be used as a method of payment.

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About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

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  1. No pin is rough, but it could be an alternative to Amex GCs for Discover spending, for a card that’s taken in more locations. At least, I assume that this would qualify for Discover’s 5%.

  2. @FM: Do you have an idea if this qualifies for Discover Q4 5% ? Amex GC purchase is going to cash advance is discover it and hence getting declined (I’ve set 0 cash advance limit).

  3. I’ve already maxed out my Redbird load for this months. This would let me make some min. Spend for a bonus this year and I can unload onto Redbird next month.

  4. Why would you buy these? I don’t see a reason unless you needed to meet a minimum spend on a card within the next 6 minutes.

    • Minimum spend is one reason, but even that might be better for loading Redbird. I’d buy them with Discover for the 4th quarter 5% back now that AP’s gone as an option.

  5. They’re still a debit card, right? I can use a debit card without a pin to make online payments to my daycare but not credit.

    • Probably, but there’s always a chance that it won’t work. For example, Simon Mall gift cards don’t work with Evolve Money even though that service is supposed to be able to use all debit cards.

  6. does anyone know if these cards are processed as debit when paying taxes through any of the sites that offer that service to governments?

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