How to Find Out Mastercard Gift Card Balance: Check It and More

Life would be much easier if we could all spend as much as we wanted to without ever having to care about account balances and spending limits, but sadly that is an unrealistic point of view a majority of people will never be able to have. It is simply too important to stay on top of your finances and to be wise with your money management. 

While your credit and debit cards are some of the most important accounts to keep track of, any gift card balances you currently have in your possession are worth making a note of as well. Gift cards can make a considerable difference in the state of your personal finances, and while they may not be life-changing, gift card funds can offer assistance in purchasing everyday necessities and special treats. 

Mastercard gift cards just so happen to be one of the most popular brands of gift cards currently on the market. You are likely used to seeing gift cards for national chains and local businesses which are only valid for use in specific locations, but prepaid bank cards like Mastercard gift cards work like debit cards and may be used to make purchases anywhere that accepts Mastercard transactions. 

Of course, you can only make so many transactions using your gift card before you start asking yourself the important question: “How do I know how much is left on my Mastercard gift card?”

Knowing your Mastercard gift card balance is crucial to a good shopping experience. Just as you should be aware of the funds in your bank account or the cash in your wallet, the value of your Mastercard gift card is an important part of being able to afford everyday purchases and should be treated as carefully as any other method of payment. After all, it never feels good to have your card be declined, or to discover you do not have enough cash on hand while trying to pay, and finding out that you do not have enough funds on your gift card can be an equally as disappointing discovery. 

Check the remaining Mastercard gift card balance, get your transaction history, and discover the many benefits of shopping with a Mastercard gift card once you read everything this article has to offer. 

How Do I Check my Mastercard Gift Card Balance?

Checking your Mastercard gift card balance is a simple process that should not take you more than a minute or two to complete. As long as you have your Mastercard gift card information on hand, you will be able to obtain your current gift card balance so that you can make purchases with confidence. 

Before you check your Mastercard gift card balance, make sure you have the following:

  • The 16-digit gift card number located on the front of your Mastercard
  • The 3-digit security code (CVV) located on the back of your Mastercard
  • Ensure your card is activated before you try to check your gift card balance 

Once you are ready to check your Mastercard gift card balance, you can call the toll-free number provided on the back of your gift card, or dial 855-660-6847. Press the option that allows you to check the gift card balance on an activated account. Once prompted, provide your 16-digit card number and 3-digit security code. After you complete these steps, you will hear a digital message informing you of your available card balance. 

Unfortunately, a purchase history of your gift card account cannot be provided over the phone. If you wish to view your transaction history, then you will have to access your Mastercard gift card balance online, which we will explain how to do shortly. 

Can I Check my Mastercard Gift Card Balance Online?

If you wish to do so, you can complete a Mastercard gift card balance check online. As a matter of fact, you may even find checking your Mastercard gift card balance to be easier online than over the phone. 

You can manage and check your Mastercard gift card balance on this webpage. This is the official Mastercard website, so you can be sure of its authenticity and security. In order to access the details of your Mastercard account, you must enter your gift card number, expiration date, and CVV into the corresponding boxes. You can choose to either show your card information or to keep the information hidden from view. Click ‘continue’ and you will be brought to a screen that displays your gift card balance and other account information. 

If you are a regular user of Gift Card Granny, you should know that we offer our own way to check your Mastercard gift card balance online. Once again, you will need to enter your 16-digit card number and 3-digit security code, then select ‘check your gift card balance’ to view an image of your card along with your available balance. Your Mastercard gift card must be activated in order for you to view your balance. 


Time or place does not matter when it comes to checking your Mastercard gift card balance online; as long as you have an internet connection, you can access all of the account information you need. 

Is There a Fee for Checking my Mastercard Gift Card Balance?

Are you wondering if there are any monthly fees or usage fees for your Mastercard gift card that you should be aware of? Well, the good news is that there are no fees for simply using your gift card as intended; you can spend and spend and not spare a second thought to accruing random fees you were not expecting. 

Though there are no usage fees for Mastercard gift cards, there is an activation fee that must be paid at the time of purchase. Because of your connection to a massive payment network that is not bound to a specific retailer, Mastercard gift cards cost more to operate than their retail gift card counterparts. This extra cost is covered by a set activation fee, which may vary from retailer to retailer. For instance, you may find Mastercard gift card listings at one store with a certain fee, while another retailer may offer a Mastercard gift card with the same value for a lesser activation fee. Since individual retailers can set the price of the gift card fee, it is beneficial to scope out gift card options from various retailers to find the lowest activation fees out there. 

Though we cannot weigh in for specific retailers, we have provided a general fee guideline so that you know what to expect. As far as buying Mastercard gift cards on Gift Card Granny goes, the activation fees are as follows: 

  • Mastercard gift cards with a value of $10.00 to $74.99 have a $2.95 fee
  • Mastercard gift cards with a value of $75.00 to $149.99 have a $3.95 fee
  • Mastercard gift cards with a value of $150.00 to $249.99 have a $4.95 fee
  • Mastercard gift cards with a value of $250.00 to $349.99 have a $5.95 fee
  • Mastercard gift cards with a value of $350.00 to $500.00 have a $6.95 fee

Other fees you may encounter with a Mastercard gift card are inactivity fees that accumulate after prolonged periods of dormancy. Beginning on the thirteenth month after a twelve-month period of inactivity, a $4.95 fee will be deducted from your gift card account balance per month due to non-use. Make sure you avoid any fees being applied to your Mastercard gift card balance by ensuring you do not let twelve consecutive months of inactivity go by, something that is quite easy to accomplish when you are actively using your gift card to make payments.  

Can I Check my Mastercard Gift Card Balance at an ATM?

Mastercard gift cards cannot be used at standard bank ATMs, which means you cannot check your gift card balance using one. You may not receive cash back from any of your purchases made with your Mastercard gift card. If these features are important to you, then you may want to consider other card options that will meet your needs. 

Prepaid cards, which function similarly to gift cards, can be utilized at ATMs to withdraw cash. Prepaid Mastercard users may also reload their cards with more funds once the value of the card is depleted, which is not something Mastercard gift cards are capable of. This makes prepaid Mastercards extremely convenient for folks who wish to keep using their cards for an extended period of time. 

If you are interested in purchasing a prepaid Mastercard, you can view a variety of prepaid cards offered by Mastercard here. Prepaid cards are easy for folks to get since they do not require any sort of credit check, they do not need access to your bank account, and they make managing your finances easier than ever. Prepaid Mastercards are also more safe than cash since there is a chance you can recover your money if your card gets lost or stolen, not to mention convenient since Mastercard debit cards are accepted at almost all businesses. 

Do not forget to ensure your prepaid Mastercard is activated before you attempt to use it. Registration and activation requirements can vary from retailer to retailer, so check the terms of your prepaid Mastercard right away.  

Use Gift Card Granny to Buy Mastercard Gift Cards 

If you are a fan of buying gift cards and saving money, then there is a good chance you are familiar with all of the great benefits that Gift Card Granny has to offer. In addition to retail gift cards for department stores, supermarkets, restaurants, drug stores, and pretty much any other type of business, Gift Card Granny sells Mastercard and Visa gift cards that can be used in all kinds of different places. 

Buying a Mastercard gift card from Gift Card Granny is as easy as completing a gift card balance check, though it may take a few more minutes to complete. 

Buy a Mastercard gift card

Buy a Mastercard gift card

Once on the main Gift Card Granny webpage, navigate to the ‘Mastercard’ tab where you may select from a dropdown list of different types of Mastercard gift cards offered at Gift Card Granny. You can choose any option that feels right for you, including custom Mastercard gift cards, Mastercard Virtual eGift Cards, and predesigned Mastercard gift cards. Some predesigned gift card options you may see are designs for holidays like Christmas, Valentine’s Day, Easter, and different seasons of the year. With custom Mastercard gift cards, you have the option to upload a personal photo to make your gift card feel even more special. Gift Card Granny also gives you the choice to write a message of up to twenty characters on your Mastercard gift card, so do not be afraid to express yourself. 

Make sure to fill out all of the shipping information accurately so that your gift card gets to its destination as intended. Your recipient should only be left waiting for a few days before they receive their gift card, about the amount of time it would take to receive a normal letter in the mail. All Mastercard gift card orders placed before 4PM EST on Gift Card Granny will be printed and shipped out on the same business day.