How do I use my gift card at a gas station?

Tips for Using Your Visa or Mastercard Gift Card at Gas Stations

Gas stations can be tricky when it comes to gift cards. Follow these tips to successfully use your physical or plastic Visa or Mastercard gift card at the gas station. 

IMPORTANT NOTE: Digital or virtual Visa and Mastercard gift cards cannot be used for purchasing gas.

Do’s:

• Pay the Gas Station Cashier
  • Pay the cashier before you pump any gas. 
  • Specify the exact amount you wish to purchase.
  • Request the cashier run it as a “credit” transaction.
    • Make sure the exact amount is less than or equal to the card balance.

Don’ts:

• Do Not Swipe at the Pump
  • Swiping at the pump triggers a pre-authorization hold (see below for more details on pre-authorizations):
    • Standard Hold Amount: Swiping at the pump typically triggers a pre-authorization request for up to $200.
    • Insufficient Funds: If the available balance on your card is less than the $200 pre-authorization, the transaction will decline. That’s why you may see a decline, even if you have enough funds for the actual tank of gas.
    • Sufficient Funds: If your available funds are more than the requested authorization amount, the transaction will be authorized. However, a hold on the unused portion may remain for up to 4 days.
    • Expiration of Holds: Pre-authorization holds generally expire within 4 days, after which the funds will be available on your card again without any additional action needed.

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