Can You Buy a Gift Card With a Debit Card? – Best Gift Cards Offer in 2024.

A gift card can be a convenient way to show appreciation, celebrate a special occasion, or treat someone. In the United States, you can easily buy gift cards with a debit card, whether from a physical store or online. The process is simple, and secure and can be accomplished in a few simple steps. So, let’s dive right in and understand how you can buy a gift card with a debit card in the U.S.

Can You Buy a Gift Card With a Debit Card?

Yes, you can physically buy a gift card with a debit card or as an eGift at all major stores or online. Usually, you can purchase store-specific gift cards (Amazon, Kroger, Walmart, Best Buy, Starbucks) or general-purpose gift cards (Visa, MasterCard, American Express) using your debit card.

Buying a gift card with a debit card is quite simple. All you need to do is visit your preferred store, select the type of gift card you want, and then pay for it using your debit card. You can choose between store-specific gift cards, such as Amazon or Walmart, or general-purpose gift cards from Visa, MasterCard, or American Express.

There are a few benefits to using a debit card to purchase a gift card. First, it is a fast and easy way to get a present for someone without having to go through the hassle of finding the right gift. Second, it helps you stick to your budget, as you can only spend as much as is available on your debit card. Additionally, using a debit card allows you to earn rewards points or cashback, which can be handy.

One thing to keep in mind when buying a gift card with a debit card is that you may be subject to fees or restrictions. For example, some retailers charge a purchase fee for buying gift cards with a debit card. Moreover, some gift cards come with expiration dates or restrictions on where they can be used, so read the fine print before purchasing.

Below is an example of a Kroger website where you can buy gift cards simply using debit cards:

buy gift card with debit card Kroger example

Step 1: Decide What Kind of Gift Card to Buy

Before purchasing a gift card, you must decide what type you want to buy. There are two main types of gift cards: store-specific gift cards and general-purpose gift cards.

Store-specific gift cards: These are gift cards that can be redeemed at a specific retailer, like Amazon, Starbucks, or Best Buy. They’re a great option if you know the recipient’s favorite store or restaurant.

General-purpose gift cards: These are offered by major credit card companies like Visa, MasterCard, and American Express. They can be used anywhere that accepts that credit card brand, providing the recipient with a broader range of places to spend it.

Step 2: Determine Where to Buy the Gift Card

Once you’ve decided on the type of gift card, it’s time to determine where to buy it.

Physical Stores: You can buy store-specific and general-purpose gift cards at various locations, including supermarkets, drugstores, and convenience stores. Some stores may display gift cards at the checkout counter or in the customer service area. Pick the gift card you want, take it to the cashier, and they’ll activate it once you’ve paid.

Online: If you prefer online shopping, most retailers and credit card companies offer gift cards on their websites. You can also purchase gift cards on e-commerce sites like Amazon.

Step 3: Buying the Gift Card

The process is relatively similar whether buying a gift card in-store or online.

In-Store Purchase:

  1. Select the gift card of your choice. Check the denomination you want – gift cards often come in various amounts, from $10 to $500 or more.
  2. If the card is variable-amount, take it to the cashier and inform them of the amount you wish to put on it.
  3. Pay for the gift card using your debit card. Make sure you have enough funds on your card for the transaction.
  4. The cashier will provide you with a receipt. It’s crucial to keep this as it can be used as proof of purchase if there are any issues.

Online Purchase:

  1. Navigate to the retailer’s website or where you want to purchase the gift card.
  2. Look for the “gift card” option in the site’s main menu or footer.
  3. You can choose the type and denomination of the gift card. You can also personalize the gift card with a message or choose a design.
  4. Add the gift card to your cart and proceed to checkout.
  5. Fill in your payment details at checkout, ensuring you use your debit card information. Confirm the transaction.
  6. After your purchase, you’ll typically receive an email confirmation. If you’ve bought an e-gift card, this email will contain the gift card code. If you’ve ordered a physical card, it will be mailed to your chosen address.

Step 4: Giving the Gift Card

Once you’ve purchased the gift card, you can give it to the recipient. If it’s an e-gift card, you can forward them the email, or if it’s a physical card, you can hand it over in person or mail it to them. Be sure to let them know the card’s value and, if it’s a general-purpose card, where it can be used.

Buy a Kroger’s Gift Card With a Debit Card

In 2024, you can buy Kroger’s gift cards with a debit card for $10 up to $500. For example, you can buy a Visa gift Card “Just Married” from $25 to $100, Kroger $10 to $250, Lowe’s $10 to $500, and Ulta Beauty $5 to $500.

buy Kroger gift cards using debit cards


Kroger has long been a go-to destination for grocery shopping and other household necessities. But did you know they also offer a wide range of gift cards? So whether you’re looking to treat yourself or gift someone special, Kroger has a gift card for every occasion and budget.

Starting at $10, you can purchase Kroger gift cards with your debit card and choose from various denominations up to $500. That means you can conveniently buy a gift card that suits your budget, whether you want to splurge or save. But what makes Kroger gift cards truly special is their versatility.

At Kroger, you can choose from various gift cards, including Visa gift cards with unique designs, such as “Just Married,” for weddings, holidays, and birthdays. You can also opt for specific store gift cards, like Lowe’s for home improvement or Ulta Beauty for makeup and beauty products. With such a wide range of gift cards, you’re sure to find one that perfectly fits your recipient’s interests.

Kroger gift cards are not only budget-friendly and versatile, but they’re also incredibly convenient. You can easily purchase them online or in-store, making them a great last-minute gift option. Plus, they can be used at Kroger locations and affiliated stores, like Ralphs, Fred Meyer, and Fries.

Another great feature of Kroger gift cards is that they never expire. So you don’t have to worry about rushing to use them before a deadline. They’re valid for as long as money is loaded onto the card. Plus, you can reload them in-store or online whenever you need to.

With its wide range of gift cards, Kroger has made it easy to give the perfect gift. Kroger has something for everyone, from groceries to beauty products, home improvement, and special occasions. So next time you’re in the market for a gift, consider picking up a Kroger gift card – you won’t be disappointed!

Buy an Amazon Gift card using debit cards

You can buy Amazon gift cards using the following debit cards:

  1. Visa Debit
  2. Mastercard Debit
  3. American Express Debit
  4. Discover Debit
  5. Maestro

Below, you can see an Amazon website screenshot with an example of where you can buy from $25 up to $500 gift cards:

amazon gift cards buy with debit cards


Buying a gift card with a debit card is a hassle-free and convenient way to give gifts. With the availability of many options and the ease of purchasing online or in-store, there is no excuse not to send a gift card to someone you care about. So, if you need to buy a gift for a special occasion, don’t hesitate to use your debit card to purchase a gift card.

Buying a gift card with a debit card in the U.S. is simple. Remember to keep your receipt or confirmation email until the recipient has successfully used the gift card, just in case any issues arise. Happy gifting!

Daniel Smith

Daniel Smith

Daniel Smith is an experienced economist and financial analyst from Utah. He has been in finance for nearly two decades, having worked as a senior analyst for Wells Fargo Bank for 19 years. After leaving Wells Fargo Bank in 2014, Daniel began a career as a finance consultant, advising companies and individuals on economic policy, labor relations, and financial management. At, Daniel writes about personal finance topics, value estimation, budgeting strategies, retirement planning, and portfolio diversification. Read more on Daniel Smith's biography page. Contact Daniel:

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