Mastercard® eReward Virtual Account, 12-Month Expiration USA gift cards

The Mastercard eReward Virtual Account is a prepaid virtual card in US dollars that recipients receive by email as a 16-digit card number, expiry date, and CVV. It can be used for purchases online, over the phone, and in stores that accept Mastercard, including mobile wallet payments where supported. This makes it a practical way to send money to people in the US who may want to spend it across many kinds of merchants, from groceries to streaming services to gas stations.

Businesses can load between $5 and $3,000 per card, with any amount in that range allowed. The card expires 12 months after issuance, so recipients should plan to use it within that year. There is no fee for the recipient to receive or spend the card, though merchants may apply their own transaction rules. A key thing to know: the card is intended for US-based recipients and can be used for purchases in US dollars, whether the merchant is online or a physical store.

A recipient redeems the card by entering the card details at checkout like any other Mastercard. For in-store purchases, the virtual card can be added to a digital wallet such as Apple Pay or Google Pay, if their wallet supports adding a Mastercard virtual account. If a merchant requires a physical card, this card may not work, so it is best for recipients who usually shop online or use mobile wallets. The card cannot be reloaded, so a business sending a larger amount should issue one card for the full value.

Sending through GIFQ works for one-off rewards and high-volume payouts. A company might use this card to pay out research incentives, referral bonuses, affiliate commissions, or earnings for gig workers. Because recipients get a card they can use anywhere Mastercard is accepted, the business does not need to manage a custom reward catalog. The card is sent by GIFQ to the recipient's email, and the business can track delivery from the dashboard or automate sending through the API.

This card is not interchangeable with any other Mastercard eReward cards for other countries. It is issued for the US market and should only be sent to people who can spend US dollars. If a business needs to pay people outside the US, a different card product is required.