Master split tender techniques to use every penny on your gift card. Learn how to combine payment methods and handle restaurant and gas station holds.
Know your exact balance at the balance checker before attempting split payments.
How to use partial balances effectively at checkout
Before they ring up, tell the cashier you want to split payment. Say the exact amount for the gift card.
Request the specific dollar amount on your card. "Please charge exactly $23.47 to this card."
Have your second payment method ready. Cash, debit, or credit for the remaining balance.
Strategies for spending every cent on your gift card
Online Shopping: Many sites let you enter custom payment amounts. Enter your exact gift card balance, then pay the remainder with another card.
Self-Checkout: Grocery store self-checkouts often handle split payments better than regular lanes. Select "partial payment" option.
Small Purchases: Buy items exactly matching your balance. Calculate with tax beforehand using store's tax rate.
Store Credit: Some retailers can transfer remaining balance to store credit or apply it to a new gift card.
Handle authorization holds without declined transactions
Cards need 20% extra for tip hold. For $25 meal, need $30 balance. Ask server to charge exact amount instead.
Pumps authorize $75-125. Go inside to prepay exact amount or specify dollar amount to avoid holds.
Hotels hold extra for damages. Use gift card only for exact room rate, provide different card for hold.