• You can use your Mall of America Visa Gift Card immediately after purchase.
  • Know your card balance before you shop, as merchants cannot determine the balance on your card. If you try to purchase an item of greater value than your card balance, your card will be declined.
  • To purchase an item that costs more than the balance on your card, you will need to use a second payment method, such as cash, check, or another credit or debit card, for the difference. Let the cashier know how much you will pay with each type of payment when you make your purchase. Not all merchants accept split transactions.
  • At the time of purchase, give the card to the cashier and sign the receipt, or push "credit" on the keypad. If you wish to use your card for a debit transaction, you will need to select a PIN of your choice for your Card. See the Frequently Asked Questions to learn more about selecting your PIN.
  • Write down your card number and keep it in a safe place.
  • If you forget your PIN, you may clear and reset your PIN on this website by logging in with your Card number and choosing "Manage PIN".
  • Remember to sign the back of your card.
  • If you pay at the pump for gas, the pump terminal may check to see if you have funds to pay for up to $100 worth of gas because the station doesn't know how much you are going to buy. If you plan to buy less than $100 worth of gas, it is recommended that you give your card to the station attendant and state exactly how much gas you want to purchase.
  • Please remember that when you are out for dinner and using your Mall of America Visa Gift Card at a restaurant, the server will add up to 20% or more in anticipation of a tip. Thus, if you have a $50 balance on your Mall of America Gift Card and the bill is for $50 plus tip, the purchase will be declined. Any amount tipped less than 20% will be returned to your card. 
  • Your Mall of America Visa Gift Card does not have ATM access and you may not use your Card to get back cash at the point of sale.
  • It is recommended that you keep the receipts for all the purchases you make with your Mall of America Visa Gift Card.
  • There are no cash refunds.

TERMS AND CONDITIONS ARE APPLIED TO GIFT CARDS. See Cardholder Agreement for further details.


Mall of America Visa Gift Cards are issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC. Cards are distributed and serviced by InComm Financial Services, Inc., which is licensed as a Money Transmitter by the New York State Department of Financial Services. The Card may be used in the U.S. and District of Columbia wherever Visa debit cards or PULSE cards are accepted. The Card may not be used outside of the U.S. or the District of Columbia including Internet and mail or telephone order merchants outside of the U.S. or the District of Columbia.

Colorado, Maryland, and Texas customers: View information about addressing complaints regarding our money services business.