You can get AMEX gift cards from just about any store location or internet merchant's site. Usually, they're found in the gift card aisle or close to the gift card section. Most of them don't require an extra fee. They usually charge a commission either way.
Sometimes, you can get additional rewards or perks when you purchase amex gift cards. For example, you may receive a free gift card, if you purchase two. You can usually only purchase one for a friend as well. It's pretty cool if you can get two per month or so.
Another great feature of amex gift cards is that they allow you to exchange them whenever you like for another gift. However, the downside is that you must provide the other party with the new card and valid ID. This can be a hassle sometimes. The alternative – use your credit cards instead of cash.
So, how do you keep track of your AMEX gift cards for business? How do you know when they're expiring? Most of the time, you can use coupon clipping sites. Some of them allow you to enter promo codes to expire your AMEX credit cards for business.
The biggest drawback is the lack of support from the financial institution where you got the card from. If you have an issue with the exchange (i.e., the amount is incorrect) it may take a few weeks before they get back to you. If you have a problem with the payment method, you'll often have to call customer service. It's not the most convenient way to pay back your AMEX gift cards for business, but if you have no choice, the only other option may be to call your bank.
You can try calling the customer service number for the financial institution where you got the card or try a different payment method (such as visa debit card). Sometimes the customer service line will be able to direct you to someone who can help you. The worst case scenario, however, is that you won't be able to get any help at all. In this case, you will need to contact AMEX to see how you can exchange your amex gift card for a full amount in cash or use Visa for a debit card to pay back the remaining balance.
If you do not have access to the internet, you can always try calling their customer service line to see if you can bypass the security code. This is usually not possible, but it never hurts to ask. If you do have access to the internet, then it may be worth it to attempt the bypass. This usually requires that you have a current AMEX gift card, but it may still be worth it to transfer funds for the remaining balance on the card using another method. This is another scenario where calling the customer service number and speaking to someone will likely get you the assistance you need.
Finally, if you have a PIN number which cannot be used with any other card, such as a visa debit card, you may want to consider calling AMEX directly. AMEX does offer a toll free number for people that have security codes on their account. This is usually the best way to avoid being charged a surcharge either before or after the purchase. Any time that a customer has questions regarding purchases, there are ways to make sure they receive a refund, this includes credit and debit cards that have security codes.
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