Understand how prepaid Visa gift cards differ from debit and credit cards, and how their balance limits work for safe spending.
Want to check your card’s balance? Check your balance to see your available funds instantly.
Key differences to help you understand how prepaid Visa gift cards work
Prepaid cards aren’t linked to checking accounts. You load funds upfront, and purchases deduct from that balance. Overspending is rare but possible if linked to a checking account.
Unlike credit cards, prepaid cards use pre-loaded funds, not borrowed money. No interest charges or credit checks are required to get one.
You can’t spend beyond the loaded amount in most cases, ensuring controlled spending. Check your balance easily via the Visa prepaid card balance checker.
Learn about the safeguards for your prepaid Visa gift card and what to do if issues arise.
Visa’s Zero Liability Policy: Prepaid Visa cards are protected against unauthorized charges, but coverage may vary compared to debit cards.*
Lost or Stolen Cards: Prepaid cards have fewer protections than debit cards. Register your card and report issues promptly to the issuer.
Monitor Your Balance: Stay on top of your funds to avoid surprises. You can check your balance anytime using the check Visa gift card balance tool.