Sometimes, the perfect gift is one you get to pick out yourself. If you’re one of the thousands of Kansas who found a gift card in your stocking, you now have the opportunity to choose your own perfect gift!

Unfortunately, these gift cards do carry some fine print in how they can be used. Here are some things to keep in mind as you spend those holiday gifts:

1.) Under Kansas law, gift cards cannot expire for at least five years.

If the gift card does not have an expiration date printed on the card, then it is good until you redeem it, no matter how long that is.

2.) Merchants can begin charging inactivity fees against the card’s balance 12 months after the card is issued. 

These fees are required to be printed on the card or the packaging it comes in.

3.) Pre-paid bank cards

The ones that are issued by a bank or credit card company, not by a specific store- can, and usually do, charge additional fees for purchasing the card, and on the balance. 

4.) Be aware.

Even with legal protections in place, the value of a gift card may be lost if the store goes out of business before the card is used.

5.) You should also remember to keep unused gift cards in a safe location. 

Treat them like cash. Unlike credit cards, if a gift card is lost or stolen, it can be difficult to prove the card belonged to you. Some retailers will allow you to register your card online, which protects the value of the card if something does happen.

If you happen to receive a card for a place you do not shop, it is unlikely that the retailer will let you exchange your card for cash. However, there are websites that allow you to sell or exchange your unwanted gift cards. Use caution when dealing with these online sites to be sure you don’t become a victim of fraud. You can also consider donating your unwanted gift cards for grocery, clothing or department stores.

For more consumer tips or to file a complaint, visit our consumer protection website at or give us a call at 1-800-432-2310. 

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