Tips for Using AMEX Gift Cards for Shopping, Dining, or Travel

If you’ve ever tried using an American Express gift card while shopping, dining, or traveling, you probably already know it’s not always as simple as it looks. I’ve learned through trial and error that while these cards are useful, getting the most out of them takes a few smart moves. For example, did you know some restaurants put a temporary hold on more than your bill? Or that online purchases can fail if your billing info isn’t entered right?

In this guide, I’ll walk you through specific tips for using your Amex gift card effectively, whether you’re booking a flight, splitting a dinner check, or checking out online. You’ll learn how to avoid common issues, where these cards are accepted, where they’re not, and how to check your American Express gift card balance before you spend. If you want to make sure every dollar on your card gets used without a hitch, keep reading.

Tips for Using Amex Gift Cards When Shopping

I’ve used American Express gift cards for everything from last-minute birthday gifts to sales I couldn’t resist, and along the way, I’ve picked up a few tips that can help you shop better, both in-store and online.

Register the Card Before Shopping Online

One of the biggest mistakes I made early on was trying to shop online without registering the billing address for my Amex gift card. It kept getting declined, and I had no idea why. Turns out, many websites, including Amazon, verify the billing address before they accept the card. So before you even fill your cart, head to the American Express gift card website and register a billing address. 

When you add the gift card as a payment method, make sure the billing address you enter during checkout matches exactly, zip code and all.

Check the Expiration Date

While the funds on an Amex gift card never expire, the physical card itself can. If the expiration date passes, you’ll need to request a replacement, which can delay your plans. So, always check the front of the card for the expiration date before making a big purchase, especially if it’s been sitting in your drawer for a while.

Know Your Exact Balance

Not all online retailers let you pay with two cards, which can be frustrating if your gift card balance doesn’t cover the full cost. That’s why it’s smart to check your balance first, down to the cent. You can do this by visiting the American Express gift card balance check page. Once you know what’s left on the card, you can plan to use that amount exactly or ask the cashier if they’ll let you use two forms of payment.

Combine Your Amex Gift Card With Another Payment Method

If your total is higher than your Amex gift card balance, and the store allows it, you can split the purchase between your gift card and another payment method. I’ve done this plenty of times at stores like Target and Best Buy. Just let the cashier know ahead of time how much you want charged to each card. Online, it’s a little trickier unless the retailer specifically allows it on the checkout page.

Related Article: 7 Places You Can Use AMEX Gift Card

Tips for Using AMEX Gift Cards While Dining

Restaurants and cafés sometimes process Amex gift card payments differently than retail stores, which can cause your card to get declined even if there’s enough money on it. I’ve learned a few key tricks to avoid that awkward moment when the server brings the card back and says, “It didn’t go through.”

Account for the Tip Hold

Many restaurants automatically authorize more than your bill total to account for a possible tip, usually around 20%. So, if your meal is $40, they might place a temporary hold for $48 or more. If your Amex gift card only has $40 loaded, the transaction can be declined. To avoid this, either make sure your balance covers both the meal and the tip, or tell your server you’d like to pay a specific amount with the gift card and leave the tip in cash or on a separate card.

Let the Server Know It’s a Prepaid Card

I always mention that I’m using a prepaid gift card before handing it over. That way, if I want to use the entire balance or split the bill, the server knows what to expect. Most places are used to this, and they can either run the exact amount you want or check the balance on their terminal before running it.

Check Your Balance Before Dining Out

I’ve said this before, but it deserves a second mention. Keep reading to find out how to check your gift card balance in a few simple steps. 

Be Careful With Delivery Apps

Food delivery apps like DoorDash, Uber Eats, and Grubhub may not always accept Amex gift cards, or they may reject them if there’s not enough to cover the total, including service fees and tips. I’ve had the best luck when using Amex gift cards through Apple Pay or Google Pay, where supported. Just make sure the balance on the card is more than what you plan to order.

Use Leftover Balances at Coffee Shops or Quick-Service Spots

Amex gift cards don’t expire immediately, but I’ve lost track of a few over time, especially when there’s just a couple of dollars left. Instead of letting small amounts go to waste, use them at coffee shops, bakeries, or fast-casual restaurants.

Tips for Using AMEX Gift Cards While Traveling

Traveling with an Amex gift card can be a smart way to offset expenses. I’ve used these cards to book hotels, cover rideshares, and pay for baggage fees, but not without hitting a few roadblocks first. If you’re planning to bring your Amex gift card on the road, here are some tips to make it work for you without stress.

Use the Card to Prepay Travel Expenses

One of the easiest ways to use an Amex gift card while traveling is to put it toward bookings ahead of time. I’ve used mine to pay for hotel rooms, attraction tickets, and rental cars, but always through U.S.-based websites. That’s important because Amex gift cards are often restricted to domestic use.

Booking ahead with a U.S. vendor helps you avoid international transaction issues while still using the card to cut down your trip costs.

Check If the Card Works Internationally

Before you hop on a plane, double-check whether your Amex gift card can be used abroad. Most are limited to purchases within the U.S., which means they won’t work at international retailers, restaurants, or hotels.

Avoid Using at Hotels for Check-In Holds

Hotels often place a hold on your card at check-in that’s larger than your nightly rate. If you try to use your Amex gift card for this, it can get declined or tied up in a pending hold you can’t access. I learned this the hard way during a weekend trip -my card had just enough for the stay, but the hold froze all the funds.

Instead, use a major credit card for check-in holds and reserve your Amex gift card for paying at checkout, if the hotel allows split payments, or for incidentals like meals or spa services.

Great for Rideshares, Snacks, or Gas

Amex gift cards work well for everyday travel purchases like Uber, Lyft, gas stations, or quick meals, especially if you’re road-tripping. Just make sure the balance covers the full amount, including tip or tax, since some kiosks and apps won’t accept a card with insufficient funds.

Bring a Backup Payment Method

This one’s very important. Always have another form of payment with you when traveling. Amex gift cards are great, but they’re not accepted everywhere, especially in small towns, local shops, or when you’re in a rush. I treat them as a bonus, not a primary travel card.

Keep Your Card Well

Ensure you keep your gift card in a secure place while traveling to avoid loss or theft. Also, if it’s an electronic card, keep its details secure. 

How To Check Amex Gift Card Balance

You already know the importance of checking your gift card balance before using it. In this section, I’ll take you through the different ways you can check your gift card balance.

Check Online

The fastest way to check your balance is by visiting the Amex gift card balance check website. Here’s what you need to do:

1. Go to the Amex balance checker page.
2. Type in the 15-digit gift card number located on the back of your card.
3. Input the expiration date.
4. Input the PIN.
5. Enter your email address. This step is optional.
6. Tap on the “Sign In” button. You will be redirected to a new page with your current balance.

Call Amex Customer Support

You can also check your Amex gift card balance by calling an Amex customer support rep. You will find their contact number on the back of your gift card. Here are the steps to calling them: 

1. Dial the number listed on the back of your Amex gift card.
2. Listen to the automated prompts and enter your card details when asked.
3. Your current balance will be provided over the phone.

Check Your Last Receipt

If you’ve recently used your Amex gift card at a store, your receipt may show your remaining balance. Some stores automatically print this information at the bottom of the receipt. If you’re unsure, ask the cashier if they can check your balance for you.

Also Read: Where To Buy Amex Gift Cards: Your Ultimate Guide

Where Are AMEX Gift Cards Accepted -and Where Aren’t They?

One of the biggest advantages of Amex gift cards is their flexibility, but that doesn’t mean they work everywhere. I’ve run into a few surprises over the years, so here’s what you need to know before you swipe.

Where AMEX Gift Cards Are Accepted

Amex gift cards can be used just like a regular credit card, as long as the business accepts American Express. In the U.S., that includes:

• Major retail stores like Target, Macy’s, Best Buy, and Home Depot

• Chain restaurants and most sit-down dining spots

• Online stores, including Amazon (if you enter the billing info correctly)

• Gas stations, grocery stores, and pharmacies

• Travel sites like Expedia, Hotels.com, and Airbnb (when booked through U.S. platforms)

• Streaming services like Netflix and Spotify, if you use them as a payment method

Basically, if you can use a regular Amex credit card there, chances are the gift card will work too, as long as there’s enough balance to cover the charge.

Where AMEX Gift Cards Aren’t Accepted (or Might Not Work)

Even though they’re super handy, Amex gift cards do have some limitations. Here’s where you may run into trouble:

• International purchases: Most Amex gift cards are U.S.-only. They’ll likely be declined abroad or on foreign websites.

• Small businesses that don’t accept Amex (due to higher processing fees)

• Recurring subscriptions: Some services won’t let you use prepaid cards for monthly billing (like certain phone plans or gym memberships)

• ATMs and cash withdrawals: You can’t use these cards to get cash—no PIN, no ATM access.

• Pay-at-the-pump gas stations: Some pumps pre-authorize large amounts, which can exceed your balance. If that happens, go inside and pay the cashier instead.

• Self-checkouts: Especially in grocery or retail stores

FAQ: Using Your AMEX Gift Card

1. Can I use my Amex gift card for online purchases?

Yes, you can, but it’s important to register your card’s billing address first. Go to the American Express gift card website, add your name and address, and make sure they match exactly when checking out. Without that match, many online stores (like Amazon) will decline the payment.

2. What should I do if my Amex gift card is declined?

First, check your balance. It might be lower than you expected due to holds or small charges. If the balance is fine, double-check the billing address you entered, especially for online purchases. 

If you’re in a store, ask if they accept American Express or if a pre-authorization hold (like at a restaurant or gas pump) could be causing the issue. You can also try using it at the register instead of a self-checkout.

3. What should I do if my Amex gift card is lost or stolen?

If you lose your Amex gift card or believe it is stolen, reach out to Amex customer support by calling 1-888-846-4308. As long as you still have the card number and it hasn’t been fully used, Amex can usually issue a replacement. You may also need to provide proof of purchase, so hang onto your receipt or email confirmation.

4. Are AMEX gift cards accepted outside the United States?

Most Amex gift cards are not accepted internationally. They’re usually limited to merchants in the U.S. and its territories. If you’re planning an international trip, your best bet is to use the card ahead of time to pre-book hotels, activities, or flights through U.S.-based websites.

Final Thoughts on Using AMEX Gift Cards

American Express gift cards can be very useful when you know how to use them right. Whether you’re shopping online, dining out, or planning a trip, a few smart steps, like registering your billing info, checking your balance, and avoiding holds, can make the whole experience smoother.

I’ve had my fair share of hiccups with these cards, but with the tips in this guide, you’ll be ahead of the curve. Just remember to know where it works and don’t let even a few leftover dollars go to waste. If you want one for yourself, or to gift somebody, remember you can always get your AMEX gift card on Nosh easily.