Can You Use Mastercard Gift Cards on Amazon? Here’s What You Should Know

Most people would find Mastercard or Visa gift cards and prepaid cards to be ideal presents. These cards are accepted globally across multiple payment terminals, both online and at brick-and-mortar stores. So, can you use Mastercard gift cards on Amazon and similar e-commerce platforms? If yes, how?

The good news is that payments on Amazon are not limited to traditional credit and debit cards. With the right tricks, you can redeem both Mastercard gift cards and prepaid cards at online shopping platforms! We have prepared this hands-on guide to help you figure out:

• How to add a Mastercard gift card to Amazon
• How to use a prepaid Mastercard on Amazon

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Using Mastercard Gift Cards on Amazon Explained

Mastercard gift cards are similar to prepaid cards. They have limited values and, once activated, can be used for multiple transactions—like credit and debit cards.

According to Amazon, their app and website currently offer almost a dozen ways to complete payment for a purchase. The accepted payment methods include gift cards and prepaid cards issued by the following companies:

• Mastercard
• Visa
• American Express

Besides cards from these payment networks, you can also use Amazon gift cards for your purchases. As of 2022, there are three ways to exhaust an eligible gift card at Amazon:

1. Use it during checkout
2. Store the card as one of your chosen payment methods
3. Reload your Amazon gift card balance with the card

How To Use a Mastercard Gift Card on Amazon During Checkout

Amazon allows you to pay with your gift card during checkout—here are the steps you need to follow:

1. Add the product(s) you want to your shopping cart
2. Click on Proceed to Checkout
3. Choose your shipping options (address, delivery speed, etc.)
4. Click on Add a Card on the payment screen
5. Enter the details of your Mastercard gift card:
1. Card number
2. Name on the card (personalized gift cards may have your name, but most cards have “A GIFT FOR YOU” written on them, which can be used in the name section)
3. Expiry date
6. Finish by clicking on Add Your Card

Once Amazon verifies the details provided, the gift card will appear on the list of available payment methods alongside other cards already added to your account. All you have to do is select the card you want to use and place the order. This option works for both plastic and digital Mastercard gift cards.

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What if Your Order Value Doesn’t Match the Gift Card Balance?

If your order value isn’t equal to the balance on your Mastercard gift card, don’t worry. Refer to this table to learn how to complete the payment:

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How To Store a Mastercard Gift Card as a Payment Method on Amazon

If you’re not comfortable using your Mastercard gift card during checkout, you can consider adding the card beforehand. Here's the breakdown of the procedure:

1. Log in to your Amazon account
2. Navigate to the Your Account page
3. Select Your Payments
4. Click on Add Payment Method under your desired category
5. Enter your Mastercard gift card details
6. Hit Save

Your Mastercard gift card should now appear on the list of the various payment methods added to your account. Once it’s done, you have the flexibility to use the card for any order that can be covered with the existing balance on the card.

How To Add a Mastercard Gift Card to Amazon Gift Card Balance

One of the more recent additions to Amazon’s payment policy is the option to reload your online gift card wallet. It’s a budgeting feature that lets you consolidate the value of multiple Amazon gift cards into a single source.

The website also lets you reload your balance with major credit, debit, and prepaid cards, making it possible for you to use Visa or Mastercard gift cards for the reload. Here’s how the process works:

1. Log in to your Amazon account and navigate to the main menu
2. Click on Gift Cards under Programs & Features
3. Select Reload Your Balance under the Manage Your Gift Card tab
4. Enter the amount you want to reload (aka the value of your Mastercard gift card)
5. Click on Add a Credit or Debit Card under Payment Method
6. Type in your card details and save
7. Hit Reload

Once you’re done, the cash on your Mastercard should be successfully added to your Amazon gift card wallet. The balance you reload has no expiry date.

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Why Should You Load Amazon’s Gift Card Balance With a Mastercard Gift Card? 

The biggest limitation of adding a Mastercard gift card as a direct payment method on Amazon is the cap on order value. Order must be within the value on the card, which may not always be feasible. Adding your Mastercard gift card to your Amazon gift card balance is by far the most practical method to shop on the website as it lets you:

• Split payment methods—Amazon allows you to split payment between your Amazon gift card balance and another debit or credit card. You don’t have to customize your order value to match your gift card balance
• Exhaust every penny on the card—This is an extension of the split-payment benefit. You can add the tiniest residual balance from your Mastercard gift card and exhaust it towards your Amazon purchase

What if Your Mastercard Gift Card Won’t Load on Amazon?

If you face any hiccups while using your Mastercard gift card on Amazon, it’s often because of the verification failure. In such cases, you should call the customer care number provided on the back of your card.

Many customers have complained about their card not loading on Amazon despite repeated attempts, which could be a site-specific issue. If that happens, it’s better to exhaust your Mastercard gift card balance in other ways, such as:

• Reloading your PayPal balance with it
• Using the card on other online or e-commerce platforms like Walmart

What About Using a Prepaid Mastercard on Amazon?

You can add prepaid Mastercards the same way as gift cards—add them as a payment method or use them to reload your gift card wallet. The only difference with using prepaid Mastercards is they have usage fees.

While gift cards don’t have any fees attached, prepaid cards include a variety of charges like a reload fee, balance inquiry fee, and transaction fee. To sum it up, you’ll have a lesser amount to spend than the total card value. Certain cards, like the Emerald Prepaid Mastercard, have no transaction fees, which makes them more suitable for online purchases.

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Featured image source: Sagar Soneji