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SESK: Stuff Everyone Should Know · sesk.info/money-gift-card-5-years

Under federal law, how long must the money on a store gift card last before it can expire?

At least 5 years under federal law.

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  1. At least 5 years ✔
  2. 90 days
  3. 1 year

Why: Federal law protects gift card funds for at least five years. If the card itself expires while funds remain, the issuer must provide a replacement card at no cost.

Huh, didn't know that: Fees for not using a gift card generally can't start until after 12 months of no use.

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References

Answer: At least 5 years. Federal law protects gift card funds for at least five years. If the card itself expires while funds remain, the issuer must provide a replacement card at no cost.

  1. Giving or receiving gift cards? Know the terms and avoid surprises (CFPB) www.consumerfinance.gov/about-us/blog/giving-or-receiving-gift-cards-know-the-terms-and-avoid-surprises
    Under current federal law, a gift card cannot be sold that will expire in less than five years.
    Checked 2026-10-11.

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