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Gift card scams: 6 warning signs

Safety · September 2026 · 4 min read

A gift card code works like cash. Once someone else has the code, the balance is usually gone for good. That is why scammers like gift cards. Here are the warning signs to watch for.

1. You're asked to pay a bill, fine or debt with gift cards

Real companies, banks, tax offices, courts and police don't ask to be paid with gift cards. Anyone who does is almost certainly a scammer.

2. There's pressure to act right now

"Your account will be closed", "you'll be arrested", "the offer ends in 10 minutes". Urgency is designed to stop you from thinking or asking someone else.

3. They want the code or a photo of the card

Nobody legitimate needs you to read a code over the phone, text it or send a picture of the back of the card.

4. An online friend or match asks for gift cards

Romance and "new friend" scams often end with a request for gift cards, perhaps for a plane ticket, an emergency or a present. Don't send them.

5. A prize or job asks you to pay first

If you have to buy gift cards to collect a prize, unlock a refund or start a job, it's a scam.

6. The deal is too good to be true

Heavily discounted codes from unknown sellers on social media or chat apps are often stolen or already used. Buy from established stores and keep your receipt.

If you think you've been scammed

• Contact the card's brand immediately (for example Google or Apple support). Tell them the code was used in a scam and keep the card and receipt.
• Report it to the police. In the US, you can also report it to the Federal Trade Commission at ReportFraud.ftc.gov.
• Tell the store where you bought the card and give them your order details.