Bankrate surveyed gift cards from American Express, Discover, MasterCard and Visa, 22 of the largest retailers and the three largest restaurant chain operators, for a total of 29 cards.

To see the details for each gift card, click on the name of the issuer.

Open-loop cards
Issuer
Free shipping? Purchase fees? Can expire? Buy now
American Express No Yes No Purchase
Discover Yes Yes No Purchase
MasterCard N/A Yes No Purchase
Visa No Yes No Purchase
Retailers
Issuer
Free shipping? Purchase fees? Can expire? Buy now
Amazon.com Yes No No Purchase
Barnes & Noble No No No Purchase
Bed Bath & Beyond Yes No No Purchase
Best Buy Yes No No Purchase
Borders Yes No No Purchase
Costco No No No Purchase
CVS Yes No No Purchase
Dillard’s Yes No No Purchase
eBay No No No Purchase
Gap, Banana Republic, Old Navy Yes No No Purchase
Home Depot Yes No No Purchase
iTunes Yes No No Purchase
Kohl’s Yes No No Purchase
Lowe’s Yes No No Purchase
Macy’s Yes No No Purchase
Marshalls, T.J. Maxx Yes No No Purchase
J.C. Penney Yes No No Purchase
Sears Yes No No Purchase
Starbucks Yes No No Purchase
Target No No No Purchase
Walgreens Yes No No Purchase
Walmart No No No Purchase
Restaurants
Issuer
Free shipping? Purchase fees? Can expire? Buy now
Darden Restaurants
Red Lobster, Olive Garden, Longhorn Steakhouse, Seasons 52, Bahama Breeze, The Capital Grille
Yes No No Purchase
OSI Restaurant Partners
Outback, Carrabba’s, Bonefish Grill, Fleming’s, Roy’s
No No No Purchase
Yum Brands
KFC, Long John Silver’s, Taco Bell, Pizza Hut
Yes No No Purchase

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