Gift cards are a normal present, and also a payment method scammers prefer. The US Federal Trade Commission (FTC) explains how to buy them safely and what to do if you are targeted.

This guide is based on the public sources listed at the end. We have not tested the products or services mentioned.

This is a short reference page. The full guide is Safe Online Shopping: Scams, Fake Reviews, Fake Goods and the Checks That Work.

The key warning

The FTC says anyone who demands payment by gift card, for any reason, is a scammer. Real agencies and businesses do not ask for it. Common stories include the government, tech support, a relative in trouble, a utility company, a prize, a boss and romance. Red flags are urgency, secrecy, being told to buy at several stores, being asked to read out the card number and PIN or send a photo of it, and an overpayment cheque with a request to send back the difference on a card.

Buying a gift card

  • Use stores you know. Avoid online auction sites, where cards may be fake or stolen.
  • Check the protective stickers are intact and the PIN on the back has not been exposed or scratched.
  • If anything looks off, choose another card and tell a cashier or manager.
  • Photograph the card and receipt in case you need to report loss or fraud.

If a scammer got the numbers

Contact the card company straight away (some can help), then report at ReportFraud.ftc.gov.

Before you give one

Check the expiry and fees on the packaging, who issues the card and whether it works online or in store only. See also ordering personalised gifts.

Last checked: 15 October 2026. Sources: US FTC, avoiding and reporting gift card scams.