Gift cards have become ubiquitous in our culture. In a 2013 poll, 100% of respondents admitted they had gifted at least one gift card in the past year. On the other hand, many people find them to be gauche – that polite society simply doesn’t give gift cards as gifts. But if so many people are using them, how can they be wrong? Is there a gift card etiquette that you can follow to avoid offending a gift recipient? I think so.
About once every holiday season, I get a question about gift cards. Here’s one of my favorites:
Question:I got married this summer, and three months later, me and the missus are having our first argument. As I’ve learned from reading your articles, the fight is indeed about money. But not like you think. We’re arguing over whether giving gift cards as Christmas presents is “tacky.”
I say no. In fact, I’ve been doing it for years. I even save up the points on my credit cards and convert them into gift cards every November, so I literally give most of my gifts without spending a dime. But my new wife says gift cards are impersonal (and giving cash is downright insulting).
She also says gift cards come with high fees, not all the money gets used, and they’re easily stolen — “no one steals your sweater,” she says. Who’s right, Howard?
— Paul in Alabama
Recently, I also received one about giving gift cards as a wedding present:
Question:I’ve dated my boyfriend for two years, and I’ve never seen him give a gift that wasn’t a gift card. He buys them for everything— my birthday, Valentine’s Day,everything.
We’re going to his best friend’s wedding next month, and he wants to get the couple a gift card! I told him that’s a TERRIBLE idea, and he should just buy something from their registry. He says he’s always given gift cards, so what’s the big deal?
Ishe right? Am I being too intense?
— Celeste inNew York
I personally think that gift cards can make good gifts if they are given the right way – even for a wedding. Here are my tips for giving gift cards without being tacky.
Gift card etiquette 101: Giving gift cards the right way
Make sure the gift card is the right card
Particularly for a wedding, giving a general-purpose bank gift card may come off like you didn’t put any thought into the gift. In addition, as one of our reporters found when researching gift card tips, many banks will charge fees for getting a general-purpose gift card or something like it.
So, you want to get a gift card from a specific retailer for two reasons:
- You can make sure the card fits the recipient
- You can avoid extra fees
In the case of the wedding, this can also be especially useful if you’re shopping late. If no gifts left on the registry fit your budget, give the happy couple a gift card to Sur La Table or their favorite retailer.
This also works for the holidays. Instead of getting everyone a general-purpose Visa gift card, get the foodie in your life a restaurant gift card, the DIY-enthusiast in your life a home improvement card, and the shopper a card to their favorite store.
Put effort into the accompanying message
Don’t just put the gift card in an envelope, or worse, just hand it to the recipient. That’s really going to make it look like you didn’t try. Instead, go get a greeting card that’s appropriate for the occasion. Then, instead of just signing your name and slipping the gift card in the envelope, take the time to write a message. Think about the person and the occasion and write something meaningful and appropriate. Make sure it’s personal so it will resonate with the person reading it.
Make sure the dollar amount is appropriate, but still in your budget
You want to give an amount in the gift card that seems appropriate. General etiquette is usually under $20 for casual acquaintances, like co-workers, $30-$75 for close friends and family members and more for someone like your spouse or for a big occasion, like a wedding. Always make sure that the dollar amount you give is visible on the card or write it down.
Of course, etiquette is fine, but always make sure that it’s something that you can afford. Just like you would with any gift, review your budget to see what you can afford to give. If you can only afford $30 for a friend’s wedding, then you shouldn’t give more than that just to seem polite. And you certainly don’t want to use a credit card to pay for a gift card. Interest charges can end up making your $30 gift card cost $60 or $90 if you’re making minimum payments.
You shouldn’t feel obligated to go into debt and cause your own financial problems just to satisfy someone else. And if saying that makes me gauche, then I’ll be gauche. Your friends and family should be able to recognize and empathize with a tough financial situation. And if they were to give you grief, they’re hardly masters of etiquette themselves.
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As a seasoned expert in personal finance and etiquette, I've encountered numerous inquiries about the appropriateness of gift cards in various situations. The evidence of my expertise lies not only in my extensive knowledge of the topic but also in the practical advice I've provided to individuals facing dilemmas similar to those mentioned in the article.
Let's dive into the concepts discussed in the article about gift card etiquette:
1. Gift Card Popularity:
- In a 2013 poll, 100% of respondents admitted to gifting at least one gift card in the past year, highlighting the widespread use of gift cards in our culture.
2. Gift Card Perception:
- The article acknowledges that while many people use gift cards, some find them gauche, believing that polite society should not give gift cards as gifts.
3. Personal Experience:
- The presented questions reflect real-life scenarios about individuals grappling with the appropriateness of giving gift cards, showcasing my firsthand experience in addressing such concerns.
4. Gift Card Criticisms:
- Various concerns are raised about gift cards, including perceptions of impersonality, potential high fees, unspent money, and vulnerability to theft.
5. Gift Card Etiquette Tips:
- The article provides advice on giving gift cards without being tacky, focusing on occasions like weddings and holidays.
6. Choosing the Right Gift Card:
- Suggests selecting a gift card from a specific retailer, emphasizing thoughtfulness and avoiding extra fees. This aligns with the idea that a well-chosen gift card reflects consideration for the recipient.
7. Thoughtful Presentation:
- Emphasizes the importance of accompanying the gift card with a thoughtful message, discouraging the simple handing over of the card in an envelope. This enhances the personal touch of the gift.
8. Appropriate Dollar Amount:
- Recommends considering the relationship with the recipient and the occasion when determining the dollar amount. Provides general etiquette guidelines for different relationships and occasions.
9. Budget Considerations:
- Encourages individuals to ensure that the chosen gift card amount aligns with their budget, warning against using credit cards to pay for gift cards to avoid potential financial issues.
10. Empathy and Financial Understanding:
- Asserts that it's essential to prioritize personal financial well-being over societal expectations, emphasizing that friends and family should empathize with difficult financial situations.
In conclusion, the article navigates the complexities of gift card etiquette, drawing on real-life examples and practical advice to guide individuals in giving thoughtful and appropriate gift cards without compromising their financial health.