Gift cards have been quite in trend with the amazing benefits they offer. While we traditionally hear about gift cards from thousands of retailers, here we will talk about buy now pay later gift cards. With added incentives and flexibility, these are ideally the best way to make any occasion meaningful yet stay within your budget.
Buy Now Pay Later Gift Cards
Before we get into detail, below is a quick overview of all the buy now pay later schemes that let you purchase gift cards.
| Where to Get Buy Now Pay Later Gift Cards? | Important Features |
| eGifter | It accepts various payment methods including digital wallets, cryptocurrency, and credit cards as well. |
| Zebit | Pay in installments with just a 20% to 30% down payment at the time of checkout. |
| Amazon | The repayment time is around six maximum weeks when you check out with Zip. You can enjoy your purchase at only 25% cost due upfront initially. |
| PayPal | Repay in two weeks as you make remaining three payments once every two weeks, both through the app or online. |
| GiftCards.com | The payment can be made in four easy installments, using Zip. The repayment time is of six weeks, with only first instalment that is to be made upfront. |
| Raise | buy a full-priced gift cards at Raise and also get 15% back in Raise Cash. Save up to 30% on the discounted gift cards |
| Prezzee | Prezzee accepts Afterpay as the payment option where you can earn up to 40 points per purchase. It also allows you to split your payments in four easy installments. |
| Afterpay | Afterpay asks you to pay a 25% upfront cost, and rest can be paid per se your standard payment schedule. |
| Curacao | Curacao does not yet offer gift cards directly through its website. However, you can get them from third party partner site i.e., Giftly |
| GiftRocket | At GiftRocket, you have to pay a fee of $2 for a gift card, and a total of 5% of the total gift card amount. |
1. eGifter
eGifter allows customers to purchase online gift cards with great convenience. You can purchase gift cards from several retailers here. Sending them to your loved ones is no big deal as it facilitates the process through email or hand delivery too.
eGifter online website also offers various promotional deals where you can save an exciting amount. You can choose the cards from around more than 300 brands. In addition, it also accepts various payment methods including digital wallets, cryptocurrency, and credit cards.
With eGifter, you can enjoy top deals from American Airlines allowing you to save a lot. Without putting a hole in your pocket, eGifter gift cards are the perfect alternative to traditional gifting methods. At Hulu too, you can enjoy a 4% off on the streaming.
Payments in installments are the most promising feature of this online retailer. Using PayPal as your payment option, you can make payments in over two weeks. The first installment, however, has to be made upfront.
2. Zebit
Zebit is yet another perfect marketplace where you can pay over six months. Whether it is electronics, furniture, fashion, kitchen, fitness, or jewelry, Zebit has all for you in the box. People with less than stellar credit can avail of the Buy Now Pay Later solution with debit.
Interestingly, it requires no FICO check or any hidden fees that you would have to pay. You can get a maximum credit of $250o using Zebit.
You can purchase the gift cards at Zebit, provided that there is an 18% handling charge for the purchase of the gift cards. You do not have to pay more than the price at checkout, and you can easily shop from 1500+ brands.
One another exciting features of Zebit is that you can get a maximum of $1500 for an initial spending limit. All you need to do is make a 20% to 30% down payment at the time of checkout, the rest can be paid in proceeding installments.
3. Amazon
Buy Now Pay Later for Amazon gift card is where you can pay for your purchase in four easy installments. The repayment time is around six maximum weeks when you check out with Zip. You can enjoy your purchase at only 25% cost upfront initially.
Amazon is known to be the biggest gift card distributor in the world. However, there are certain policies to abide by for purchasing gift cards at Amazon. These purchases are to be made via a third-party website as mentioned earlier i.e., the Zip.
Amazon gift cards give you a free hand in customizing your gift cards. Create artistic personalization using the name or short notes to make it a valuable gift for the loved one.
4. PayPal
PayPal is also one of the platforms to get the gift cards. These cards can be sent online and redeemed both in-store and online too. To own a PayPal gift card, it is necessary that you have a PayPal business account.
Using the online coupons, you can get thrilling discounts too. Make 4 interest-free payments with Pay in 4 at PayPal and shop at your favorite brands and retailers. Just choose PayPal at checkout, and click on Pay Later right there.
The repayment time at PayPal is two weeks, and you make these remaining three payments once every two weeks, both through the app or online.
Several PayPal gift cards include those Amazon gift cards, eBay Gift cards, Airbnb Gift cards, and Big W eGift cards. There is no requirement for an additional fee to get the e-Gift card on PayPal.
5. GiftCards.com
GiftCards.com is one of the main hubs for getting buy now pay later gift cards from various online retailers. The wide range of gift cards here includes business rewards cards along with the personalization of any gift card that you choose.
Customize them using your favorite photo, or add artistic graphics to make them special for your loved ones. Many brands partnered with GiftCards.com including Macy’s, Ulta Beauty, Wayfair, Nordstrom Rack, GAP, and many more.
The payment can be made in four easy installments, using Zip, previously known as Quadpay. The repayment time however in of six weeks, with only the first installment that is to be made upfront.
Redeeming the gift cards online and exchanging eGift cards with GiftCards.com is no big deal. Just make your payment using Zip and split the cost of your purchase conveniently. Get them for your dear ones instead of hard-core gifts, and create an everlasting experience for them.
6. Raise
Raise is an online marketplace that works slightly differently from the ones mentioned above. You can buy full-priced gift cards at Raise and also get 15% back in Raise Cash. You can use the respective cash on future purchases and unlock more savings with the promo code.
Raise is a perfect place to make the most of your spare and extra gift cards. Sell them here and get the new ones to fit your demand. If you purchase from Nike or Starbucks, you can save up to 30% on discounted gift cards.
7. Prezzee
Prezzee has a huge niche of a variety of gift cards to fit every sort of occasion. Whether it is someone’s birthday, get well soon card, or best wishes card, Prezzee offers everything. It also allows you to purchase intricate packages where you can add an extra flavor of consideration to the gifts.
Prezzee’s Work From Home is one of the categories that allow the buyers to purchase from retailers including Target. CB2, and Microsoft 365 Personal. Additionally, they have yet another Care Package where you can purchase goods from Bed, Bath & Beyond, CS Pharmacy, Hulu, Barnes, and Noble, and more.
Prezzee accepts Afterpay as the payment option for its customers where you can earn up to 40 points per purchase. It also allows you to split your payments into four easy installments.
8. Afterpay
Dividing your gift card cost into four flexible installments is a perfect getaway from breaking a bank with your purchase. Afterpay allows the customers to purchase the gift cards via its app from several retailers spread across the platform.
If you are looking forward to redeeming your e-Gift card from smart devices online, Afterpay is the perfect hub to do so. One of its supporting pillars is that of the Prezzee, known to be its partner for a while now.
To purchase the gift cards through the Afterpay app, you need to become a loyalty member of one of these programs i.e., Platinum, Diamond, or Mint status PULSE. Having a good standing here can allow you to apply for Pulse Rewards too.
Using your Pulse Rewards, you can get exciting offers and rewards on your purchases. Shop gift cards from a pool of retailers using these rewards and get the best benefits of all. On purchasing a gift card, Afterpay asks you to pay a 25% upfront cost, and the rest can be paid per se your standard payment schedule.
9. Curacao
Curacao store offers a versatile range of products for the customers. You can also get same-day delivery on the select items and free shipping on orders that are over $29. Curacao also offers rewards varying with the card type you choose i.e., Classic, Gold, and Platinum.
You can shop from thousands of products both in-store and online and earn up to 3x points for every $1 spent. To top it all off, you get a $10 voucher for reaching 500 points on your purchases. With the card, you get 0% Financing Options for up to 60 months on promotional programs.
As per the current knowledge, Curacao does not yet offer gift cards directly through its website. However, you can get them from a third-party partner site i.e., Giftly. You can also redeem money through Giftly with no inactivity fees.
10. GiftRocket
GiftRocket, an online website, allows you to purchase gift cards. You can redeem the gift online and also receive money to spend. It allows you to fulfill the intention behind your gift with its buy now pay later gift cards.
You can choose from their beautiful designs, a perfect card for every occasion. Whether it is a birthday, or a thank you card, GiftRocket got all for you. Sending the gift cards to your recipient is possible through email or mail delivery.
The recipient can carry out a direct deposit into their bank account, PayPal, or e-Gift transmission. At GiftRocket, you have to pay a fee of $2 for a gift card, and a total of 5% of the total gift card amount.
Why Choose Buy Now Pay Later Gift Cards?
Buy Now Pay Later gift cards do not require any credit check. Therefore, it is best for people lying in any gradient of credit. Some of the reasons why you should choose these buy now pay later gift cards include.
- Buy Now Pay Later gift cards are a perfect alternative to the traditional gifting method.
- They are easy to redeem and budget-friendly.
- Recipients get massive freedom to choose from what they love.
- Variety of gift card deals can be availed of online.
- No need for regular store visits as you can get them online.
- Payments can be made in different installments.
Tips for Choosing Best Buy Now Pay Later Gift Cards
It can get difficult to choose the right buy now Pay later gift card with having a variety of options revolving in your mind. The following points can be kept in mind to tackle this problem and make a perfect choice.
- Your purchase should fit your intent of giving, how and where this gift card can be used and how it can be delivered.
- Some gift cards come with certain limitations on purchasing some specific products. So, you should check if they are financially backed up with certain BNPL websites or not.
- The maintenance fee can be charged at the rate of 10% per month if the gift card is not redeemed within one year of purchase and can be refunded if the card is redeemed.
- If the card reaches its expiration date, the remaining funds are surrendered to the state government and you need to go through state policies to reclaim it.
- Several companies do purchase unused gift cards. It is important to educate yourself on the terms and conditions of issued gift cards.
- You should study the terms and conditions associated with the gift card, particularly the expiration date.
- Be aware of the refund policies of your card before getting one.
- You should know about the purchasing fee of this gift card. There might be some additional fees that some companies can charge like a maintenance fee.
- Various platforms do not allow you to use gift cards for business purposes. Therefore, prevent any such action to avoid inconvenience in the future.
Before You Go!
Buy now pay later schemes are on rise even for gadgets like purchasing a laptop with financing, food items or getting your favorite pair of shoes. Now you can avail the maximum flexibility of celebrating any event of your loved one using the gift cards with buy now pay later purchase. While these give them the freedom to shop and choose, you can skip the hassle of extensive gift search on your own.
Shopping for someone who has a tougher liking comes all in handy if you utilize the gift card. Thousands of online retailers are now introducing the said feature into their shopping facilities as a modern method. It would not be wrong to say that gift cards are surely inexpensive and yet the most ideal method in the shape of a thoughtful and meaningful gift.
Miriam Caldwell is a dedicated & expert freelance writer to educate people about personal finance management and budgeting. She shared her knowledge and published the articles at TheBalance.com, GOBankingRates, and BlissfullyDomestic.com. Many financial institutes pick Caldwell as the brilliant source for educational personal finance content.
