Quick answer
To sell gift cards for cash, use an established exchange site or kiosk, or sell to someone you know, and expect to get less than face value. Popular cards sell for more. Never give the card number and PIN to a buyer before payment, and do not buy gift cards to pay a debt, a government agency or a stranger: anyone asking for payment by gift card is running a scam.
Better than selling
Check whether the store gives cash back for small leftover balances, which some states require. If you shop there anyway, using the card for groceries or essentials and spending cash elsewhere is worth face value.
Avoid gift card scams
- Payment comes first. Never share the numbers until you are paid.
- Watch out for overpayment offers. Buyers who send extra and ask for change are using fake payments.
- Report scams. Tell the card company and the FTC at ReportFraud.ftc.gov.
Common questions
How much can I get for a gift card?
A share of face value, which depends on the brand and demand. Compare more than one exchange.
Can I return a gift card for cash?
Usually not, though some states require cash back for small remaining balances.
Someone asked me to pay with gift cards. Is that a scam?
Yes. Government agencies, utilities and real businesses do not demand gift card payments.
Where these facts come from
Sources checked October 10, 2026. Programs and rules change; confirm details with the agency or company before you act.
Disclosures
Not a lender. NeededCash.com is not a lender, loan broker, or agent of any lender and does not make credit decisions. We operate a free matching service that shares the information you submit with participating licensed lenders and lending partners, who may contact you with an offer and who pay us a referral fee.
Rates and terms. Each lender sets its own rates, fees, and terms and will disclose them in writing as required by the federal Truth in Lending Act before you sign. Personal and installment loans from lenders in our network typically carry APRs from about 5.99% to 35.99% with terms from 3 to 84 months. Representative example: a $5,000 loan over 36 months at 15.99% APR has 36 payments of $175.76 and a total cost of $6,327.36.