Gift Help

It is a Gift Card purchased by an individual to be given to a gift recipient. It can be loaded with $10 to $500 and used to make purchases at Visa® merchants in the U.S. or U.S. territories, online or by phone when registered.

 Effective September 30, 2022, AAA and Pathward, N.A. have discontinued their relationship. Gift Cards are no longer affiliated with AAA and are managed solely by Pathward, N.A. Prior to September, 2022, AAA offered prepaid card products that were issued by Pathward, N.A. 

Cardholders must be at least 13 years old to purchase a Gift Card.

The card may be used everywhere Visa debit cards are accepted in the U.S. and its territories.  It can also be used for online and phone purchases when registered.

Yes, but keep in mind many service-oriented merchants automatically hold an additional percentage to cover any gratuity or incidental charges incurred. When using the card at restaurants, it’s best to have an available balance that is 20 percent greater than the bill.

Yes, but when using the card at hotels and car rental agencies, check with the merchant to find out how much, if any, they over-authorize their transactions.

Yes, however, an authorization or hold of at least $100 may be placed on the account when you pay at the pump. This authorization may not be removed from the account for several days. To avoid this over-authorization, simply pay for gas inside the service station.

No. Gift Cards are for domestic use only and, as such, can only be used in the United States and areas considered to be U.S. territories, including Puerto Rico, Northern Mariana Islands, U.S. Virgin Islands, American Samoa and Guam.

Select “credit” at the merchant or store’s card terminal. “Debit” may also be selected if a PIN has been established (see “How do I set up my personal identification number (PIN)?”). If making a purchase online or over the phone, ensure the billing address matches the one registered to the card (see “How do I change my address”?).

Since January 1, 2004, Visa regulations have required issuers to label non-credit products such as prepaid cards with the term “debit.” Although the card is labeled “debit,” the cardholder may select “credit” and sign for purchases to indicate the transaction is authorized. If selecting “debit,” the cardholder must also use a PIN to complete the transaction.

When making a purchase in person, the merchant may have attempted to process the purchase for a greater amount than what is available on the card. If this happens, ask the merchant to split the payment across multiple methods (see “What is a split-tender transaction and how does it work?”). Only the amount loaded on the card can be spent; any amounts beyond that will cause a decline. Also see “How can I use my card?”

Yes, it’s possible but only if the merchant allows split-tender transactions (see “What is a split-tender transaction and how does it work?”).

When the purchase is for an amount greater than the available balance, the payment must be split across multiple payment methods. Depending on the merchant’s policy, the cardholder can request a split-tender transaction – just use an additional card or alternative payment method to cover the remaining cost of the purchase beyond the card’s balance. There is no guarantee that every merchant will accept two different forms of payment.

Cash cannot be withdrawn from the Gift Card. It is for point-of-sale, online and phone purchases only.

Log into or the Manage My Card app or call the customer service number on the back of the card to setup a PIN. Third-party phone and data fees may apply.

Log into or the Manage My Card by Pathward app. Cardholders may also call the customer service number on the back of the card and follow the automated instructions for changing the PIN. Third-party phone and data fees may apply.

Cardholders can reset a PIN by logging into or the Manage My Card by Pathward app or through the customer service number provided on the back of the card. When prompted, select “2” (for “All Other Calls”), and a customer service representative will verify the cardholder identity to reset the PIN. Third-party phone and data fees may apply.

Gift Cards cannot be reloaded.

Yes, the Manage My Card by Pathward  app is available for download either from the App Store℠ for iOS devices or from the Google Play™ Store for Android devices. Third party phone and data fees may apply.

App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

Cardholders can manage the account profile for multiple cards, add cards by taking a picture, view card balance and transaction history, setup and change the PIN, set up email, text and mobile alerts, lock and unlock a card, and track spend by category.

Note: Standard text message and data rates, fees, charges, and other third-party fees may apply for alerts. See Cardholder Agreement for more details.

Gift Cards may be registered online at or via the Manage My Card by Pathward app. Simply create an account, add a card, and edit the default registration information. Registering a Gift Card provides additional security required to check the balance, view transaction history, use the card for phone and online purchases, and request a replacement should the original card become lost or stolen. Third party phone and data fees may apply.

Gift Cardholders can update their address by logging into or via the Manage My Card by Pathward app.

View the card balance and a list of all transactions through, the Manage My Card by Pathward app, or customer service number listed the back of the card. Third party phone and data fees may apply.

Pending transactions are reflected in the available balance but won’t be finalized until posted by the merchant. The amount listed may not be the actual final amount.

There are a few fees to keep in mind. For any questions about fees, contact customer service at the number listed on the back of the card, or see the Cardholder Agreement.

If the card has been lost or stolen, report it by calling customer service at 866-674-0113. A customer service representative will assist in cancelling the lost/stolen card and send a replacement card with the remaining balance within 7-10 business days. There will be a $5.95 fee assessed to the card balance for the replacement card. Keep in mind a lost or stolen Gift Card cannot be replaced if the card was never registered at or via the Manage My Card by Pathward app. Registered cards are FDIC insured. Third party phone and data fees may apply.    

If there are fraudulent or unauthorized transactions on the card account, contact customer service immediately (866-674-0113). The dispute process begins once all required documentation is received and may take from 45 to 90 days to finalize. Pathward abides by the Zero Liability Policy provided by Visa. Visa Zero Liability policy covers U.S. issued Visa branded Cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, certain commercial card transactions, or unregistered cards. You must notify us promptly of any unauthorized use. For additional details visit