Canonical URL: https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/ --- description: Explore a 50-state gift-card cash-out map, exact balance thresholds, digital-card exceptions, official refund routes, charts and downloadable data. title: Can You Cash Out a Gift Card? Rules in All 50 States image: https://giftcard.news/images/social/v1/can-you-cash-out-your-gift-card-state-guide-35b7641351eb38e1091a61ae2b2c36e6.jpg --- 1. [Home](https://giftcard.news/) 2. [Research & Trends](https://giftcard.news/research-trends/) # Can You Cash Out Your Gift Card? A State-by-State Guide The last few dollars on a digital gift card can be real money—or a reason to shop again. Across America, the answer depends on the state, the product and sometimes a single cent. By [Oliver Reed](https://giftcard.news/author/oliver-reed/) September 17, 2026 79 min read Share [ ](https://x.com/intent/post?url=https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fcan-you-cash-out-your-gift-card-state-by-state-guide%2F%3Futm%5Fsource%3Dx%26utm%5Fmedium%3Dsocial&text=Can%20You%20Cash%20Out%20Your%20Gift%20Card%3F%20A%20State-by-State%20Guide "X") [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fcan-you-cash-out-your-gift-card-state-by-state-guide%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial "LinkedIn") [ ](https://wa.me/?text=Can%20You%20Cash%20Out%20Your%20Gift%20Card%3F%20A%20State-by-State%20Guide%20https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fcan-you-cash-out-your-gift-card-state-by-state-guide%2F%3Futm%5Fsource%3Dwhatsapp%26utm%5Fmedium%3Dsocial "WhatsApp") Explore the 50 states ## F01\. Where a small balance can become cash Explore all 50 states. Select a state for its exact cash-out threshold, product exclusions, purchase conditions and sources. The same dollar balance can lead to different answers. Research as of September 17, 2026 Hover over a state for details. Tap or use the state selector to explore on any device. Copyright 2013-2019 Michael Bostock Permission to use, copy, modify, and/or distribute this software for any purpose with or without fee is hereby granted, provided that the above copyright notice and this permission notice appear in all copies. THE SOFTWARE IS PROVIDED "AS IS" AND THE AUTHOR DISCLAIMS ALL WARRANTIES WITH REGARD TO THIS SOFTWARE INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS. IN NO EVENT SHALL THE AUTHOR BE LIABLE FOR ANY SPECIAL, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS SOFTWARE. [ Alabama: No general statutory balance cash-out right identified. ](#article-section-alabama)[ Alaska: No general statutory balance cash-out right identified. ](#article-section-alaska)[ Arizona: No general statutory balance cash-out right identified. ](#article-section-arizona)[ Arkansas: No general statutory balance cash-out right identified. ](#article-section-arkansas)[ California: < $15\. Covered gift-card balances below $15 are redeemable in cash. ](#article-section-california)[ Colorado: ≤ $5\. Covered remaining balances of $5 or less must be redeemed on request. ](#article-section-colorado)[ Connecticut: < $5\. After a purchase, covered balances below $5 must be refunded on request. ](#article-section-connecticut)[ Delaware: No general statutory balance cash-out right identified. ](#article-section-delaware)[ Florida: No general statutory balance cash-out right identified. ](#article-section-florida)[ Georgia: No general statutory balance cash-out right identified. ](#article-section-georgia)[ Hawaii: < $5\. Covered retail gift certificates with balances below $5 must be redeemed for cash. ](#article-section-hawaii)[ Idaho: No general small-balance cash-out right identified; unclaimed-property exclusions do not create one. ](#article-section-idaho)[ Illinois: No general cash-out threshold in reviewed law; a proposed cash-redemption bill remains pending. ](#article-section-illinois)[ Indiana: No general small-balance cash-out threshold identified in the reviewed statutory framework. ](#article-section-indiana)[ Iowa: No general cash-out threshold; the reviewed statute addresses dormancy charges and abandoned balances. ](#article-section-iowa)[ Kansas: Kansas expressly says merchants are not required to redeem gift cards or certificates for cash. ](#article-section-kansas)[ Kentucky: No general small-balance cash-out threshold; statute protects redemption value and regulates expiry and fees. ](#article-section-kentucky)[ Louisiana: No general cash-out threshold; the gift-certificate statute regulates expiry dates and service fees. ](#article-section-louisiana)[ Maine: < $5\. Below $5 after in-person redemption; original gift-obligation value must exceed $5. ](#article-section-maine)[ Maryland: No general small-balance cash-out threshold; expiry and anti-scam protections address different problems. ](#article-section-maryland)[ Massachusetts: ≥90% used / reloadable ≤ $5\. Nonreloadable: at least 90% spent; reloadable: partially used and $5 or less remains. ](#article-section-massachusetts)[ Michigan: No general low-balance cash right; eligible gift cards retain part-payment protection. ](#article-section-michigan)[ Minnesota: No general low-balance cash right found in Minnesota’s gift-certificate protections. ](#article-section-minnesota)[ Mississippi: No general merchant low-balance cash-out requirement identified; abandoned-property recovery is a separate process. ](#article-section-mississippi)[ Missouri: No general merchant cash-out threshold; state unclaimed-property reimbursement is a different remedy. ](#article-section-missouri)[ Montana: < $5\. Original value must exceed $5 and remaining value must be below $5. ](#article-section-montana)[ Nebraska: No general low-balance cash threshold; gift-card statute governs abandonment and disclosures. ](#article-section-nebraska)[ Nevada: No general small-balance cash right in Nevada’s gift-certificate consumer-protection provision. ](#article-section-nevada)[ New Hampshire: No general cash-out threshold; $250 is an expiration-protection threshold, not cash redemption. ](#article-section-new-hampshire)[ New Jersey: < $5\. After redemption, covered cards with less than $5 remaining are refundable on request. ](#article-section-new-jersey)[ New Mexico: No general small-balance cash-out mandate identified in the reviewed gift-certificate law. ](#article-section-new-mexico)[ New York: < $5\. Eligible merchant gift certificates with balances below $5 may be redeemed for cash on request. ](#article-section-new-york)[ North Carolina: Reviewed gift-card statute regulates maintenance fees; no general small-balance cash-out threshold. ](#article-section-north-carolina)[ North Dakota: Chapter 51-29 protects expiry and fees but creates no general small-balance cash-out threshold. ](#article-section-north-dakota)[ Ohio: No general small-balance cash-out mandate in Ohio’s reviewed gift-card statute. ](#article-section-ohio)[ Oklahoma: No general cash-out mandate; the statute’s $5 figure governs dormancy fees, not cash redemption. ](#article-section-oklahoma)[ Oregon: < $5\. Below $5 after at least one purchase; request cash or check from the named merchant. ](#article-section-oregon)[ Pennsylvania: No general small-balance mandate identified; unclaimed-property recovery is a separate process. ](#article-section-pennsylvania)[ Rhode Island: < $1 — qualified wording. Below $1 after redemption: statute describes reissuing the remainder or providing cash. ](#article-section-rhode-island)[ South Carolina: Reviewed gift-certificate statute regulates terms and disclosures; no general small-balance cash threshold. ](#article-section-south-carolina)[ South Dakota: No general small-balance cash-out mandate identified; issuer policy determines voluntary redemption. ](#article-section-south-dakota)[ Tennessee: No general small-balance cash-out mandate identified; statutory protections concern validity and fees. ](#article-section-tennessee)[ Texas: < $2.50\. Cash on request below $2.50 after an in-person purchase, with significant card exclusions. ](#article-section-texas)[ Utah: No general small-balance cash-out mandate identified; state law requires certain expiry and fee disclosures. ](#article-section-utah)[ Vermont: < $1\. Cash on demand below $1; a separate rule returns unused paid value after expiry. ](#article-section-vermont)[ Virginia: No current general cash-out threshold; a 2026 proposal for balances below $10 did not pass. ](#article-section-virginia)[ Washington: < $5\. Cash on demand below $5 after a purchase; covered cards remain valid until redeemed or replaced. ](#article-section-washington)[ West Virginia: No general small-balance cash-out mandate identified; unclaimed-property treatment is a separate issue. ](#article-section-west-virginia)[ Wisconsin: No state small-balance cash-out mandate identified; Wisconsin’s agency directs consumers to federal protections. ](#article-section-wisconsin)[ Wyoming: No general small-balance cash-out mandate identified; the $100 figure concerns abandonment, not refunds. ](#article-section-wyoming) Alaska and Hawaii are shown as insets. Find a state Choose a state AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming 50 ### Explore the state-by-state evidence. Select a state to read its classification, details and underlying sources. Each state links to its full analysis below. No general threshold identified ### Alabama No general statutory balance cash-out right identified. Conditions: Merchant refund terms can provide a voluntary remedy. Exclusions: No statewide small-balance cash-out entitlement identified, including for digital store cards. How to request payment: Ask issuer for voluntary refund. Principal provisions: Ala. Code §§35-12-72(a)(17),35-12-73(b)(1): unclaimed property, not cash redemption. **Read the sources** * [Alabama Treasury: Unclaimed Property Law (opens in a new tab)](https://treasury.alabama.gov/alabama-treasury-law/unclaimed-property-law/?utm%5Fsource=giftcard.news) * [NCSL gift-card statutes survey, updated May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) * [Alabama Attorney General: Consumer Complaint (opens in a new tab)](https://www.alabamaag.gov/consumer-complaint/?utm%5Fsource=giftcard.news) [Full Alabama analysis ](#article-section-alabama) No general threshold identified ### Alaska No general statutory balance cash-out right identified. Conditions: Voluntary issuer policy or separate contractual claim may apply. Exclusions: No general small-balance entitlement identified for store or bank-network gift cards. How to request payment: Request voluntary redemption. Principal provisions: AS 34.45.240 concerns abandoned gift certificates; general consumer law AS 45.50.471–561. **Read the sources** * [NCSL gift-card statutes survey, updated May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) * [Alaska Department of Law: Consumer Laws (opens in a new tab)](https://law.alaska.gov/department/civil/consumer/laws.html?utm%5Fsource=giftcard.news) * [Alaska consumer complaint procedure (opens in a new tab)](https://law.alaska.gov/department/civil/consumer/cp%5Fcomplaint.html?utm%5Fsource=giftcard.news) [Full Alaska analysis ](#article-section-alaska) No general threshold identified ### Arizona No general statutory balance cash-out right identified. Conditions: Underlying-money expiry and fee protections do not create cash redemption. Exclusions: State fee/expiry exceptions include free rewards, specified nonprofit cards and certain prepaid products. How to request payment: Ask issuer about voluntary redemption. Principal provisions: A.R.S. §§44-7401–7402. **Read the sources** * [Arizona gift card statute §44-7402 (opens in a new tab)](https://www.azleg.gov/ars/44/07402.htm?utm%5Fsource=giftcard.news) * [Arizona definitions §44-7401 (opens in a new tab)](https://www.azleg.gov/ars/44/07401.htm?utm%5Fsource=giftcard.news) * [NCSL gift-card statutes survey, updated May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) * [Arizona consumer complaint (opens in a new tab)](https://www.azag.gov/complaints/consumer?utm%5Fsource=giftcard.news) [Full Arizona analysis ](#article-section-arizona) No general threshold identified ### Arkansas No general statutory balance cash-out right identified. Conditions: Fair Gift Card Act regulates expiration, fees and disclosures. Exclusions: Free promotional cards, specified discounted fundraising/employer cards and financial-institution multi-merchant cards excluded from state act. How to request payment: Request issuer policy; Arkansas Attorney General consumer-protection contact: Principal provisions: Ark. Code §§4-88-702–706; Act 304 of 2007. **Read the sources** * [Arkansas Fair Gift Card Act, official enacted text (opens in a new tab)](https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2007%2FPublic%2FACT304.pdf&utm%5Fsource=giftcard.news) * [Arkansas §4-88-703,2025 code mirror (opens in a new tab)](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-7/section-4-88-703/?utm%5Fsource=giftcard.news) * [NCSL gift-card statutes survey, updated May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) * [Arkansas Attorney General Consumer Protection (opens in a new tab)](https://arkansasag.gov/divisions/public-protection/?utm%5Fsource=giftcard.news) [Full Arkansas analysis ](#article-section-arkansas) Below $15 ### California < $15\. Covered gift-card balances below $15 are redeemable in cash. Conditions: Operative April 1, 2026; exactly $15 fails the threshold. No purchase-first condition in §1749.5(b)(2). Exclusions: Cards usable with multiple unaffiliated sellers, provided any expiration date is printed; affiliated-store cards remain covered. Conditional promotional, fundraising, perishable-food and nonprofit-donation exceptions. How to request payment: Request issuer cash redemption; currency/check qualify, agreed electronic transfer possible. Principal provisions: Cal. Civ. Code §§1749.45, 1749.5(b)(2),(c),(e),(i),(j); SB 22(2025),ch 207. **Read the sources** * [California current cash-redemption statute (opens in a new tab)](https://leginfo.legislature.ca.gov/faces/codes%5FdisplaySection.xhtml?lawCode=CIV§ionNum=1749.5.&utm%5Fsource=giftcard.news) * [Enacted SB22 including electronic-card definition and operative date (opens in a new tab)](https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill%5Fid=202520260SB22&utm%5Fsource=giftcard.news) * [California consumer complaint (opens in a new tab)](https://oag.ca.gov/contact/consumer-complaint-against-business-or-company?utm%5Fsource=giftcard.news) [Full California analysis ](#article-section-california) $5 boundary — comparator varies ### Colorado ≤ $5\. Covered remaining balances of $5 or less must be redeemed on request. Conditions: Holder must request redemption; exact $5 qualifies. Rule operative August 11, 2010\. Exclusions: Unaffiliated multi-seller cards; paper-only certificates; government, telecom/technology, free promotional and specified donated/discounted fundraising cards. How to request payment: Ask issuer to redeem remaining value. Principal provisions: Colo. Rev. Stat. §6-1-722(1)–(4). **Read the sources** * [Colorado Revised Statutes 2026: §6-1-722 (opens in a new tab)](https://olls.info/crs/crs2026-title-06.pdf?utm%5Fsource=giftcard.news#page=145) * [NCSL gift-card statutes survey, updated May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) * [Colorado Attorney General complaints (opens in a new tab)](https://coag.gov/file-complaint/?utm%5Fsource=giftcard.news) [Full Colorado analysis ](#article-section-colorado) $5 boundary — comparator varies ### Connecticut < $5\. After a purchase, covered balances below $5 must be refunded on request. Conditions: Use card to buy goods/services first; request remaining balance from accepting seller. No current receipt-presentation prerequisite. Exclusions: General-use/linked prepaid; free rewards; below-face-value cards; charity donations/discounts; retailers without a Connecticut establishment; paper-only certificates. How to request payment: Ask accepting merchant after purchase. Principal provisions: Conn. Gen. Stat. §42-461(a)–(c),amended P.A.23-10. **Read the sources** * [Connecticut current §42-461 (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap%5F743cc.htm?utm%5Fsource=giftcard.news#sec%5F42-461) * [Connecticut DCP gift-card guidance (opens in a new tab)](https://portal.ct.gov/dcp/common-elements/consumer-facts-and-contacts/gift-certificates-and-gift-cards?utm%5Fsource=giftcard.news) * [Connecticut DCP complaints (opens in a new tab)](https://portal.ct.gov/dcp/file-a-complaint?utm%5Fsource=giftcard.news) [Full Connecticut analysis ](#article-section-connecticut) No general threshold identified ### Delaware No general statutory balance cash-out right identified. Conditions: Unclaimed-property reporting is separate from immediate consumer redemption. Exclusions: No general small-balance entitlement identified for digital gift cards. How to request payment: Request voluntary issuer redemption. Principal provisions: 12Del.C.§§1130, 1133(14),1143(d):unclaimedproperty. **Read the sources** * [Delaware official unclaimed-property statute (opens in a new tab)](https://delcode.delaware.gov/title12/c011/sc02/index.html?utm%5Fsource=giftcard.news) * [NCSL gift-card statutes survey, updated May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) * [Delaware Consumer Protection Unit (opens in a new tab)](https://attorneygeneral.delaware.gov/fraud/cpu/?utm%5Fsource=giftcard.news) [Full Delaware analysis ](#article-section-delaware) No general threshold identified ### Florida No general statutory balance cash-out right identified. Conditions: Covered cards have expiration/post-sale-fee protections; these do not require redemption. Exclusions: Financial-institution/MSB cards redeemable with unaffiliated merchants are excepted from §501.95(2)(a); otherconditionalexpiryexceptions apply. How to request payment: Ask issuer for voluntary refund. Principal provisions: Fla.Stat.§501.95(1)–(2). **Read the sources** * [Florida current2026 gift-certificate statute (opens in a new tab)](https://www.leg.state.fl.us/statutes/index.cfm?App%5Fmode=Display%5FStatute&URL=0500-0599%2F0501%2FSections%2F0501.95.html&utm%5Fsource=giftcard.news) * [NCSL gift-card statutes survey, updated May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) * [Florida FDACS consumer complaints (opens in a new tab)](https://www.fdacs.gov/Contact-Us/File-a-Complaint?utm%5Fsource=giftcard.news) [Full Florida analysis ](#article-section-florida) No general threshold identified ### Georgia No general statutory balance cash-out right identified. Conditions: Issuer terms may allow voluntary redemption. Exclusions: No general state low-balance entitlement; rules about disclosures andhonoringterms remain relevant. How to request payment: Ask issuer itscashredemptionpolicy; complaint: Principal provisions: O.C.G.A.§10-1-393(b)(33);Gift Card Integrity Act 2005. **Read the sources** * [Georgia Attorney General: Gift Cards (opens in a new tab)](https://consumer.georgia.gov/consumer-topics/gift-cards?utm%5Fsource=giftcard.news) * [NCSL gift-card statutes survey, updated May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) * [Georgia complaint procedure (opens in a new tab)](https://consumer.georgia.gov/resolve-your-dispute/how-do-i-file-complaint?utm%5Fsource=giftcard.news) [Full Georgia analysis ](#article-section-georgia) $5 boundary — comparator varies ### Hawaii < $5\. Covered retail gift certificates with balances below $5 must be redeemed for cash. Conditions: Covered retail instrument purchased at full value. Balance must be strictly below $5; statute specifies no purchase-first or receipt prerequisite in cash subsection. Exclusions: promotional, loyalty, certain reloadable, telephone, nonpublic, event-admission and county transit instruments excluded. How to request payment: Ask the issuing retailer to cash out; cite §481B-13(c); unresolved denials: Hawaii Office of Consumer Protection. Principal provisions: HRS §481B-13(c), (d), (f) **Read the sources** * [Hawaii Revised Statutes §481B-13 (opens in a new tab)](https://data.capitol.hawaii.gov/hrscurrent/Vol11%5FCh0476-0490/HRS0481B/HRS%5F0481B-0013.htm?utm%5Fsource=giftcard.news) * [Hawaii DCCA gift-card guidance (opens in a new tab)](https://cca.hawaii.gov/ocp/gift-cards/?utm%5Fsource=giftcard.news) * [Hawaii consumer complaints (opens in a new tab)](https://cca.hawaii.gov/ocp/consumer-complaints/?utm%5Fsource=giftcard.news) [Full Hawaii analysis ](#article-section-hawaii) No general threshold identified ### Idaho No general small-balance cash-out right identified; unclaimed-property exclusions do not create one. Conditions: The reviewed gift-card provision defines instruments for unclaimed-property treatment, not consumer cash redemption. Exclusions: Qualifying nonexpiring gift cards, loyalty cards and returned-merchandise store credits are excluded from property under the reviewed act. How to request payment: Request any voluntary issuer refund; deceptive practices may be reported to the Idaho Attorney General. Principal provisions: Idaho Code §14-5-102(11), (24)(c) **Read the sources** * [Idaho Code §14-5-102, statutory text reproduced by Justia (opens in a new tab)](https://law.justia.com/codes/idaho/title-14/chapter-5/part-1/section-14-5-102/?utm%5Fsource=giftcard.news) * [Idaho Attorney General consumer protection (opens in a new tab)](https://www.ag.idaho.gov/consumer-protection/?utm%5Fsource=giftcard.news) [Full Idaho analysis ](#article-section-idaho) No general threshold identified ### Illinois No general cash-out threshold in reviewed law; a proposed cash-redemption bill remains pending. Conditions: Section 2SS governs expiry, value reduction and fees; it contains no small-balance cash-out obligation. Exclusions: Section excludes multiple-seller certificates and specified telecommunications, promotional, discounted fundraising/employer and food-product certificates. How to request payment: Request voluntary refund from issuer; report deceptive practices through Illinois Attorney General complaint service. Principal provisions: 815 ILCS 505/2SS; 104th General Assembly SB 1757 (pending proposal) **Read the sources** * [815 ILCS 505, including §2SS, reproduced statutory text (opens in a new tab)](https://law.justia.com/codes/illinois/chapter-815/act-815-ilcs-505/?utm%5Fsource=giftcard.news) * [Illinois SB1757 status, LegiScan (opens in a new tab)](https://legiscan.com/IL/bill/SB1757/2025?utm%5Fsource=giftcard.news) * [Illinois Attorney General complaints (opens in a new tab)](https://www.illinoisattorneygeneral.gov/File-A-Complaint/?utm%5Fsource=giftcard.news) [Full Illinois analysis ](#article-section-illinois) No general threshold identified ### Indiana No general small-balance cash-out threshold identified in the reviewed statutory framework. Conditions: The reviewed definition is an unclaimed-property classification, not a retailer cash-redemption command. Exclusions: Qualifying gift cards, loyalty programmes and returned-merchandise credits are excluded from property under this chapter. How to request payment: Ask issuer about voluntary refund; unresolved deceptive-business disputes: Indiana Attorney General consumer complaint. Principal provisions: Indiana Code §32-34-1.5-3(12), (24) **Read the sources** * [Indiana Code §32-34-1.5-3, reproduced statutory text (opens in a new tab)](https://law.justia.com/codes/indiana/title-32/article-34/chapter-1-5/section-32-34-1-5-3/?utm%5Fsource=giftcard.news) * [Indiana Attorney General consumer complaints (opens in a new tab)](https://www.in.gov/attorneygeneral/consumer-protection-division/file-a-complaint/?utm%5Fsource=giftcard.news) [Full Indiana analysis ](#article-section-indiana) No general threshold identified ### Iowa No general cash-out threshold; the reviewed statute addresses dormancy charges and abandoned balances. Conditions: Five-year abandonment provision has an exception for merchandise-only certificates without expiry or fees. Exclusions: Escheat exceptions are not cash-out rights; issuer terms govern any voluntary balance refund. How to request payment: Request issuer refund voluntarily; complaints about deceptive practices: Iowa Attorney General. Principal provisions: Iowa Code §556.9(1)(c), (2) **Read the sources** * [Iowa Code 2026 §556.9 (opens in a new tab)](https://www.legis.iowa.gov/docs/code/556.9.pdf?utm%5Fsource=giftcard.news) * [Iowa Attorney General consumer complaints (opens in a new tab)](https://www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint?utm%5Fsource=giftcard.news) [Full Iowa analysis ](#article-section-iowa) No general threshold identified ### Kansas Kansas expressly says merchants are not required to redeem gift cards or certificates for cash. Conditions: §50-6,108(b) expressly disclaims mandatory cash redemption; expiry and fee protections are separate. Exclusions: Prepaid bank cards excluded; certain free and discounted employer/charity instruments have other statutory exceptions. How to request payment: Ask issuer for a voluntary payout; Kansas Attorney General consumer-protection complaint channel for deceptive practices. Principal provisions: Kansas Statutes §50-6,108(b), (d), (f) **Read the sources** * [Kansas 2026 §50-6,108 (opens in a new tab)](https://www.kslegislature.gov/b2025%5F26/laws/050%5F000%5F0000%5Fchapter/050%5F006%5F0000%5Farticle/050%5F006%5F0108%5Fsection/050%5F006%5F0108%5Fk/?utm%5Fsource=giftcard.news) * [Kansas Attorney General consumer protection complaints (opens in a new tab)](https://www.ag.ks.gov/file-a-complaint/consumer-protection?utm%5Fsource=giftcard.news) [Full Kansas analysis ](#article-section-kansas) No general threshold identified ### Kentucky No general small-balance cash-out threshold; statute protects redemption value and regulates expiry and fees. Conditions: §367.890 contains no low-balance cash-payment requirement; damage claims for unlawful value-reducing fees are different. Exclusions: Bank-issued general-use prepaid, phone cards and no-consideration promotional cards excluded from statutory gift-card definition. How to request payment: Request voluntary issuer refund; complain to Kentucky Attorney General about deceptive conduct or unlawful fees. Principal provisions: Kentucky Revised Statutes §367.890 **Read the sources** * [Kentucky Revised Statutes §367.890 (opens in a new tab)](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=35100&utm%5Fsource=giftcard.news) * [Kentucky Attorney General consumer complaints (opens in a new tab)](https://www.ag.ky.gov/Resources/Consumer-Resources/Consumers/Pages/Consumer-Complaints.aspx?utm%5Fsource=giftcard.news) [Full Kentucky analysis ](#article-section-kentucky) No general threshold identified ### Louisiana No general cash-out threshold; the gift-certificate statute regulates expiry dates and service fees. Conditions: The reviewed section contains no mandatory small-balance payout; continued validity does not imply cash conversion. Exclusions: No-consideration awards/loyalty/promotional and specified charitable certificates; federally insured bank general-use prepaid cards excluded. How to request payment: Ask issuer about voluntary refund; Louisiana Attorney General consumer-dispute service for unfair or deceptive practices. Principal provisions: Louisiana Revised Statutes §51:1423(A)–(F) **Read the sources** * [Louisiana Revised Statutes §51:1423 (opens in a new tab)](https://legis.la.gov/legis/Law.aspx?d=285608&utm%5Fsource=giftcard.news) * [Louisiana Attorney General consumer disputes (opens in a new tab)](https://www.ag.state.la.us/Page/ConsumerDispute?utm%5Fsource=giftcard.news) [Full Louisiana analysis ](#article-section-louisiana) $5 boundary — comparator varies ### Maine < $5\. Below $5 after in-person redemption; original gift-obligation value must exceed $5. Conditions: Consumer request after in-person redemption; remaining balance < $5; initial value > $5\. Exclusions: Only statutory gift obligations; account credits/balances explicitly excluded, including balances funded using gift obligations. How to request payment: Redeem in person, request remaining cash from redeeming merchant, cite §2067(6); unresolved disputes: Maine AG mediation. Principal provisions: 33 Maine Revised Statutes §2067(6); 33 Maine Revised Statutes §2052(11), (14), (26), (30) **Read the sources** * [Maine §2067 current cash redemption rule (opens in a new tab)](https://legislature.maine.gov/statutes/33/title33sec2067.html?utm%5Fsource=giftcard.news) * [Maine §2052 definitions (opens in a new tab)](https://legislature.maine.gov/statutes/33/title33sec2052.html?utm%5Fsource=giftcard.news) * [Maine consumer complaints and mediation (opens in a new tab)](https://www.maine.gov/ag/online-services/complaint-form?utm%5Fsource=giftcard.news) [Full Maine analysis ](#article-section-maine) No general threshold identified ### Maryland No general small-balance cash-out threshold; expiry and anti-scam protections address different problems. Conditions: §14-1319 regulates expiry, fees and changes to terms, not mandatory cash redemption. Exclusions: National-network multi-merchant cards, qualifying free rewards/promotions, and specified telecom/technical-service products excluded from §14-1319\. How to request payment: Request any voluntary issuer refund; Maryland Attorney General business-complaint service handles consumer disputes. Principal provisions: Maryland Commercial Law §14-1319 **Read the sources** * [Maryland Commercial Law §14-1319 (opens in a new tab)](https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gcl&enactments=false§ion=14-1319&utm%5Fsource=giftcard.news) * [Maryland Attorney General business complaints (opens in a new tab)](https://oag.maryland.gov/i-need-to/Pages/business-complaints.aspx?utm%5Fsource=giftcard.news) [Full Maryland analysis ](#article-section-maryland) Special conditions ### Massachusetts ≥90% used / reloadable ≤ $5\. Nonreloadable: at least 90% spent; reloadable: partially used and $5 or less remains. Conditions: Nonreloadable: redeemed ≥90% of face value. Reloadable: partially redeemed and balance ≤$5\. Holder elects cash or continued use. Exclusions: Multiple unaffiliated merchant electronic cards and prepaid calling arrangements excluded from statutory definition; consideration-backed gift-certificate definition applies. How to request payment: Ask issuer for cash, show current balance and original value or reloadable status; preserve refusal for Attorney General complaint. Principal provisions: Mass. Gen. Laws ch. 200A, §5D; ch. 255D, §1 **Read the sources** * [Massachusetts cash-redemption statute (opens in a new tab)](https://malegislature.gov/Laws/GeneralLaws/PartII/TitleII/Chapter200A/Section5D?utm%5Fsource=giftcard.news) * [Massachusetts gift-certificate definition (opens in a new tab)](https://malegislature.gov/Laws/GeneralLaws/PartIII/TitleIV/Chapter255D/Section1?utm%5Fsource=giftcard.news) [Full Massachusetts analysis ](#article-section-massachusetts) No general threshold identified ### Michigan No general low-balance cash right; eligible gift cards retain part-payment protection. Conditions: Protection against rejecting an eligible card because its balance is less than the purchase price is not cash redemption. Exclusions: Financial-institution general-use cards, deposit-linked cards, unpaid rewards and several other products fall outside gift-certificate rules. How to request payment: Ask merchant to apply eligible gift-card value toward purchase; request any voluntary cash refund separately. Complain to Attorney General about covered violations. Principal provisions: MCL 445.903e, 445.903f, 445.903g; applicable provisions effective November 1, 2008 **Read the sources** * [Michigan Attorney General gift-card guide (opens in a new tab)](https://www.michigan.gov/consumerprotection/protect-yourself/consumer-alerts/shopping/gift-cards-and-gift-certificates?utm%5Fsource=giftcard.news) * [MCL 445.903e — statutory text mirror (opens in a new tab)](https://law.justia.com/codes/michigan/chapter-445/statute-act-331-of-1976/section-445-903e/?utm%5Fsource=giftcard.news) * [MCL 445.903f — statutory text mirror (opens in a new tab)](https://law.justia.com/codes/michigan/chapter-445/statute-act-331-of-1976/section-445-903f/?utm%5Fsource=giftcard.news) * [MCL 445.903g — statutory text mirror (opens in a new tab)](https://law.justia.com/codes/michigan/chapter-445/statute-act-331-of-1976/section-445-903g/?utm%5Fsource=giftcard.news) [Full Michigan analysis ](#article-section-michigan) No general threshold identified ### Minnesota No general low-balance cash right found in Minnesota’s gift-certificate protections. Conditions: Section 325G.53 addresses expiration and service fees; it does not establish a low-balance cash-redemption threshold. Exclusions: Free promotional/rebate/loyalty cards, specified discounted employer or charity cards, and other statutory categories receive different treatment. How to request payment: Ask retailer about voluntary refund or applying the balance; complain to Attorney General about an actual covered violation. Principal provisions: Minn. Stat. §325G.53 **Read the sources** * [Minnesota gift-certificate statute (opens in a new tab)](https://www.revisor.mn.gov/statutes/cite/325g.53?utm%5Fsource=giftcard.news) * [Minnesota Attorney General guide (opens in a new tab)](https://www.ag.state.mn.us/Consumer/Publications/GiftCardsGiftCert.asp?utm%5Fsource=giftcard.news) [Full Minnesota analysis ](#article-section-minnesota) No general threshold identified ### Mississippi No general merchant low-balance cash-out requirement identified; abandoned-property recovery is a separate process. Conditions: Finding is bounded to reviewed consumer comparison, statutory unclaimed-property text and official Treasury guidance; not a universal prohibition on refunds. Exclusions: No state low-balance entitlement identified. Issuer contracts, product-specific obligations and voluntary policies may differ. How to request payment: Request voluntary merchant refund. Search Treasury if value may have been remitted as unclaimed property; use Attorney General consumer channel for disputes. Principal provisions: Miss. Code §§89-12-3(f)(ii), 89-12-15 (2025 codification) **Read the sources** * [Mississippi Treasury unclaimed-property reporting (opens in a new tab)](https://treasury.ms.gov/for-businesses/unclaimed-property-reporting/?utm%5Fsource=giftcard.news) * [Mississippi §89-12-3 — statutory text mirror (opens in a new tab)](https://law.justia.com/codes/mississippi/title-89/chapter-12/section-89-12-3/?utm%5Fsource=giftcard.news) * [Mississippi §89-12-15 — statutory text mirror (opens in a new tab)](https://law.justia.com/codes/mississippi/title-89/chapter-12/section-89-12-15/?utm%5Fsource=giftcard.news) * [NCSL state gift-card laws comparison, May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) [Full Mississippi analysis ](#article-section-mississippi) No general threshold identified ### Missouri No general merchant cash-out threshold; state unclaimed-property reimbursement is a different remedy. Conditions: Unclaimed-property provision covering merchandise-only certificates does not compel immediate merchant cash payment. Exclusions: No blanket low-balance merchant cash right identified in reviewed law. Contractual refund policies remain separate. How to request payment: Ask merchant about voluntary refund; use State Treasurer claim process for property actually remitted; consumer complaints through Attorney General. Principal provisions: Mo. Rev. Stat. §447.505(5) **Read the sources** * [Missouri gift-certificate unclaimed-property provision (opens in a new tab)](https://revisor.mo.gov/main/OneSection.aspx?section=447.505&utm%5Fsource=giftcard.news) * [NCSL state gift-card laws comparison, May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) [Full Missouri analysis ](#article-section-missouri) $5 boundary — comparator varies ### Montana < $5\. Original value must exceed $5 and remaining value must be below $5. Conditions: Original gift-certificate value >$5; remaining value <$5; holder requests issuer or seller. Exclusions: Multi-seller cards, specified no-consideration awards/promotions, prepaid telecom or technology cards, and technology-based beer/wine payment systems excluded. How to request payment: Ask issuer or seller for cash; show original face value and current balance; escalate eligible refusals to Office of Consumer Protection. Principal provisions: Mont. Code Ann. §§30-14-108(4), 30-14-102(5) **Read the sources** * [Montana cash redemption law (opens in a new tab)](https://mca.legmt.gov/bills/mca/title%5F0300/chapter%5F0140/part%5F0010/section%5F0080/0300-0140-0010-0080.html?utm%5Fsource=giftcard.news) * [Montana gift-certificate definition (opens in a new tab)](https://mca.legmt.gov/bills/mca/title%5F0300/chapter%5F0140/part%5F0010/section%5F0020/0300-0140-0010-0020.html?utm%5Fsource=giftcard.news) [Full Montana analysis ](#article-section-montana) No general threshold identified ### Nebraska No general low-balance cash threshold; gift-card statute governs abandonment and disclosures. Conditions: Gift-certificate provision concerns abandoned property, fee/expiration disclosures and exceptions; not immediate low-balance repayment. Exclusions: General-use prepaid cards are excluded from §69-1305.03; product-specific contracts and federal protections remain separate. How to request payment: Ask merchant for voluntary refund or part-payment options; Nebraska complaint route asks consumers to contact business first. Principal provisions: Neb. Rev. Stat. §69-1305.03 **Read the sources** * [Nebraska gift-certificate statute (opens in a new tab)](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1305.03&utm%5Fsource=giftcard.news) * [NCSL state gift-card laws comparison, May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) [Full Nebraska analysis ](#article-section-nebraska) No general threshold identified ### Nevada No general small-balance cash right in Nevada’s gift-certificate consumer-protection provision. Conditions: NRS 598.0921 regulates disclosures and fees, without establishing a low-balance cash-out amount. Exclusions: Specified multiple-merchant cards, no-consideration promotions, discounted employer/charity cards and certain gaming-establishment products excluded or treated separately. How to request payment: Ask issuer about voluntary refund; preserve disclosures and transaction evidence for Nevada Consumer Affairs if deceptive practices arise. Principal provisions: Nev. Rev. Stat. §598.0921 **Read the sources** * [Nevada gift-certificate consumer-protection law (opens in a new tab)](https://www.leg.state.nv.us/nrs/NRS-598.html?utm%5Fsource=giftcard.news#NRS598Sec0921) * [NCSL state gift-card laws comparison, May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) [Full Nevada analysis ](#article-section-nevada) No general threshold identified ### New Hampshire No general cash-out threshold; $250 is an expiration-protection threshold, not cash redemption. Conditions: RSA 358-A:2(XIII) concerns expiration and administrative fees; no residual-balance repayment clause in current full chapter. Exclusions: Certain regulated banking transactions exempt under §358-A:3; season passes not governed by gift-certificate paragraph XIII. How to request payment: Ask issuer about voluntary refund or balance use; complain to New Hampshire Department of Justice consumer-protection bureau about covered unfair practices. Principal provisions: N.H. Rev. Stat. §§358-A:1(IV-a), 358-A:2(XIII), 358-A:3 **Read the sources** * [New Hampshire prohibited practices, current section (opens in a new tab)](https://gc.nh.gov/rsa/html/XXXI/358-A/358-A-2.htm?utm%5Fsource=giftcard.news) * [New Hampshire Consumer Protection Act, full chapter (opens in a new tab)](https://gc.nh.gov/rsa/html/XXXI/358-A/358-A-mrg.htm?utm%5Fsource=giftcard.news) * [NCSL state gift-card laws comparison, May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) [Full New Hampshire analysis ](#article-section-new-hampshire) $5 boundary — comparator varies ### New Jersey < $5\. After redemption, covered cards with less than $5 remaining are refundable on request. Conditions: After redemption, remaining balance <$5; owner requests refund from merchant/entity redeeming; operative September 1, 2012\. Exclusions: Nonreloadable initial value ≤$5; unpurchased return credits; unaffiliated-multi-merchant/network cards; rewards; qualifying donated/discounted nonprofit/charity/education; certain event/venue cards. How to request payment: Ask redeeming merchant/entity for remainder in cash. Escalate qualifying refusal to Division of Consumer Affairs; $500 administrative penalty is not consumer compensation. Principal provisions: N.J. Stat. §§46:30B-42.1(h), 56:8-110(c); P.L.2012 c.14 §§1,4; electronic definition §46:30B-6(t) **Read the sources** * [New Jersey 2012 cash-redemption enactment (opens in a new tab)](https://pub.njleg.gov/bills/2012/AL12/14%5F.PDF?utm%5Fsource=giftcard.news) * [New Jersey stored-value definition including electronic gift cards (opens in a new tab)](https://pub.njleg.gov/bills/2010/AL10/25%5F.HTM?utm%5Fsource=giftcard.news) * [NCSL state gift-card laws comparison, May 20, 2026 (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) [Full New Jersey analysis ](#article-section-new-jersey) No general threshold identified ### New Mexico No general small-balance cash-out mandate identified in the reviewed gift-certificate law. Conditions: No residual-balance threshold. Section protects qualifying certificates against fees and premature expiry. Exclusions: Multi-merchant, bank-issued, free promotional/reward and specified discounted certificates are excluded from this state section. How to request payment: Request the merchant’s voluntary refund policy. Escalate misleading terms or prohibited deductions to NMDOJ. Principal provisions: NMSA 1978 §57-12-26 **Read the sources** * [New Mexico §57-12-26 (statutory text, Justia) (opens in a new tab)](https://law.justia.com/codes/new-mexico/chapter-57/article-12/section-57-12-26/?utm%5Fsource=giftcard.news) * [NMDOJ complaints (opens in a new tab)](https://nmdoj.gov/get-help/submit-a-complaint/?utm%5Fsource=giftcard.news) [Full New Mexico analysis ](#article-section-new-mexico) $5 boundary — comparator varies ### New York < $5\. Eligible merchant gift certificates with balances below $5 may be redeemed for cash on request. Conditions: Request required; strictly below $5\. Rule effective 10 December 2022\. No prior-purchase requirement stated in cash clause. Older-card applicability requires purchase-date review. Exclusions: Open-loop and promotional gift certificates expressly excluded; statutory definition has further exclusions for deposit-linked, payroll, transit and certain other products. How to request payment: Ask issuer or merchant for cash redemption under GBL §396-i(5-b); keep balance and purchase-date evidence. Escalate to NY DOS or Attorney General. Principal provisions: GBL §396-i(1), (5-b); Laws 2021 ch.668 **Read the sources** * [New York GBL §396-i (opens in a new tab)](https://www.nysenate.gov/legislation/laws/GBS/396-I?utm%5Fsource=giftcard.news) * [Enacted S3467B and effective date (opens in a new tab)](https://www.nysenate.gov/legislation/bills/2021/S3467?utm%5Fsource=giftcard.news) * [New York consumer complaint (opens in a new tab)](https://dos.ny.gov/file-consumer-complaint?utm%5Fsource=giftcard.news) [Full New York analysis ](#article-section-new-york) No general threshold identified ### North Carolina Reviewed gift-card statute regulates maintenance fees; no general small-balance cash-out threshold. Conditions: No threshold in §66-67.5; disclosure and first-year maintenance-fee protection are separate from refund entitlement. Exclusions: The state fee section excludes financial-institution or operating-subsidiary cards usable at multiple unaffiliated sellers. How to request payment: Ask merchant for discretionary cash redemption or split payment. Report deceptive terms or unlawful fees through NCDOJ. Principal provisions: N.C. Gen. Stat. §66-67.5; Session Law 2007-363 **Read the sources** * [NC enacted gift-card law (opens in a new tab)](https://www.ncleg.gov/EnactedLegislation/SessionLaws/HTML/2007-2008/SL2007-363.html?utm%5Fsource=giftcard.news) * [Current statutory citation (opens in a new tab)](https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter%5F66/GS%5F66-67.5.html?utm%5Fsource=giftcard.news) * [NCDOJ complaint (opens in a new tab)](https://ncdoj.gov/file-a-complaint/?utm%5Fsource=giftcard.news) [Full North Carolina analysis ](#article-section-north-carolina) No general threshold identified ### North Dakota Chapter 51-29 protects expiry and fees but creates no general small-balance cash-out threshold. Conditions: No dollar threshold in reviewed Chapter 51-29; minimum redemption period and fee protections remain separate. Exclusions: General-use prepaid and deposit-linked cards excluded from definition; free award/loyalty/promotional products treated separately. How to request payment: Ask merchant for voluntary redemption or split payment. For misleading practices or prohibited deductions, contact ND Attorney General. Principal provisions: N.D. Cent. Code §§51-29-01–03 **Read the sources** * [North Dakota Chapter51-29 (opens in a new tab)](https://ndlegis.gov/cencode/t51c29.pdf?utm%5Fsource=giftcard.news) * [North Dakota consumer complaints (opens in a new tab)](https://attorneygeneral.nd.gov/consumer-resources/consumer-complaints/?utm%5Fsource=giftcard.news) [Full North Dakota analysis ](#article-section-north-dakota) No general threshold identified ### Ohio No general small-balance cash-out mandate in Ohio’s reviewed gift-card statute. Conditions: No cash threshold in §1349.61\. The statute separately provides a remedy for prohibited fee deductions. Exclusions: State section has exclusions for multimerchant cards, free promotions and specified employer, charitable and licensing products. How to request payment: Ask merchant about discretionary redemption or split payment; report prohibited deductions or deceptive terms to Ohio AG. Principal provisions: Ohio Rev. Code §1349.61 **Read the sources** * [Ohio authenticated §1349.61 (opens in a new tab)](https://codes.ohio.gov/assets/laws/revised-code/authenticated/13/1349/1349.61/7-3-2019/1349.61-7-3-2019.pdf?utm%5Fsource=giftcard.news) * [Ohio consumer complaint (opens in a new tab)](https://www.ohioattorneygeneral.gov/Individuals-and-Families/Consumers/File-A-Complaint?utm%5Fsource=giftcard.news) [Full Ohio analysis ](#article-section-ohio) No general threshold identified ### Oklahoma No general cash-out mandate; the statute’s $5 figure governs dormancy fees, not cash redemption. Conditions: §798(C)(2)(a) does not require cash redemption. Separate §797(E) requires contributor refunds for specified uncompleted group-gift purchases. Exclusions: State definitions concern a merchant or commonly controlled group; telephone cards and prepaid service arrangements excluded. How to request payment: Ask for voluntary redemption; distinguish uncompleted group-gift contributions from loaded card value. Contact Oklahoma AG CPU for unresolved covered disputes. Principal provisions: 15 Okla. Stat. §§796–799, especially 797(D),(E),798(C)(2)(a) **Read the sources** * [Oklahoma Title15 official compilation, pp200–203 (opens in a new tab)](https://www.oklegislature.gov/OK%5FStatutes/CompleteTitles/os15.pdf?utm%5Fsource=giftcard.news) * [Oklahoma consumer complaints (opens in a new tab)](https://oklahoma.gov/oag/about/divisions/cpu.html?utm%5Fsource=giftcard.news) [Full Oklahoma analysis ](#article-section-oklahoma) $5 boundary — comparator varies ### Oregon < $5\. Below $5 after at least one purchase; request cash or check from the named merchant. Conditions: Card must have been used for at least one purchase; balance strictly below $5; redemption from goods/services provider named on card. Exclusions: More-than-one-seller cards; free/discounted donation or promotional cards; covered telecom issuers; cards redeemed to an online account. How to request payment: Ask named merchant for redemption under ORS646A.276(1)(d),(3), retaining prior-purchase and balance evidence. Cash may be money or check. Escalate to Oregon DOJ. Principal provisions: ORS §§646A.274–278 **Read the sources** * [Oregon official gift-card law (opens in a new tab)](https://www.oregonlegislature.gov/bills%5Flaws/ors/ors646a.html?utm%5Fsource=giftcard.news) * [Oregon DOJ gift-card guidance (opens in a new tab)](https://www.doj.state.or.us/consumer-protection/sales-scams-fraud/gift-cards/?utm%5Fsource=giftcard.news) * [Oregon consumer complaints (opens in a new tab)](https://www.doj.state.or.us/consumer-protection/sales-scams-fraud/report-scams-fraud/?utm%5Fsource=giftcard.news) [Full Oregon analysis ](#article-section-oregon) No general threshold identified ### Pennsylvania No general small-balance mandate identified; unclaimed-property recovery is a separate process. Conditions: No immediate merchant cash threshold identified in reviewed framework. Applicable abandoned-property rules do not create an immediate checkout refund. Exclusions: Qualified gift certificates have different unclaimed-property treatment; do not assume every unused card is transferred to Treasury. How to request payment: Ask merchant for voluntary redemption. Search PA Treasury only if funds may have become reportable unclaimed property; use PA AG for consumer disputes. Principal provisions: 72 P.S. §§1301.1, 1301.6 **Read the sources** * [Pennsylvania §1301.6 statutory text (opens in a new tab)](https://codes.findlaw.com/pa/title-72-ps-taxation-and-fiscal-affairs/pa-st-sect-72-1301-6/?utm%5Fsource=giftcard.news) * [Pennsylvania Treasury claims (opens in a new tab)](https://www.patreasury.gov/unclaimed-property/?utm%5Fsource=giftcard.news) * [PA consumer complaints (opens in a new tab)](https://www.attorneygeneral.gov/submit-a-complaint/consumer-en/?utm%5Fsource=giftcard.news) [Full Pennsylvania analysis ](#article-section-pennsylvania) Special conditions ### Rhode Island < $1 — qualified wording. Below $1 after redemption: statute describes reissuing the remainder or providing cash. Conditions: Unused portion of a redeemed certificate; cash language strictly below $1\. Wording provides reissue-or-cash alternatives without expressly assigning election to holder. Exclusions: Free award/loyalty/promotional cards, prepaid wireless and specified financial-institution or multimerchant cards excluded. How to request payment: Request cash for a sub-$1 redeemed remainder and cite §6-13-12\. If merchant offers replacement value instead, the statutory alternatives warrant clarification rather than an unconditional promise. Principal provisions: R.I. Gen. Laws §6-13-12(a) **Read the sources** * [Rhode Island official §6-13-12 (opens in a new tab)](https://webserver.rilegislature.gov/Statutes/TITLE6/6-13/6-13-12.htm?utm%5Fsource=giftcard.news) * [Rhode Island consumer complaint (opens in a new tab)](https://riag.ri.gov/forms/consumer-complaint?utm%5Fsource=giftcard.news) [Full Rhode Island analysis ](#article-section-rhode-island) No general threshold identified ### South Carolina Reviewed gift-certificate statute regulates terms and disclosures; no general small-balance cash threshold. Conditions: No residual-balance cash threshold in §39-1-55\. Remedy for undisclosed reductions addresses redemption value, not expressly cash. Exclusions: Section concerns gift certificates/cards issued or sold by a retail goods/services business for its goods/services; other products require separate terms analysis. How to request payment: Ask merchant for voluntary redemption or split payment. Report misleading conditions or undisclosed balance deductions to SC Department of Consumer Affairs. Principal provisions: S.C. Code §39-1-55 **Read the sources** * [South Carolina official §39-1-55 (opens in a new tab)](https://www.scstatehouse.gov/code/t39c001.php?utm%5Fsource=giftcard.news) * [South Carolina consumer complaints (opens in a new tab)](https://consumer.sc.gov/consumer-resources/consumer-complaints?utm%5Fsource=giftcard.news) [Full South Carolina analysis ](#article-section-south-carolina) No general threshold identified ### South Dakota No general small-balance cash-out mandate identified; issuer policy determines voluntary redemption. Conditions: No statutory small-balance demand procedure identified. Unclaimed-property rules are a separate system. Exclusions: No cash-out entitlement established for retail, digital, bank-issued or reward cards merely because the balance is small. How to request payment: Ask the issuer for its voluntary refund policy; submit misleading-practice complaints to South Dakota Consumer Protection. Principal provisions: SDCL §§43-41B-15, 43-41B-40–43 (unclaimed property; not cash-out rights). **Read the sources** * [South Dakota Attorney General: Gift Cards & Gift Certificates (opens in a new tab)](https://consumer.sd.gov/fastfacts/gifts.aspx?utm%5Fsource=giftcard.news) * [South Dakota consumer complaint form (opens in a new tab)](https://consumer.sd.gov/complaintform.aspx?utm%5Fsource=giftcard.news) * [NCSL state law survey (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) * [SDCL §43-41B-43 (opens in a new tab)](https://sdlegislature.gov/Statutes/43-41B-43?utm%5Fsource=giftcard.news) [Full South Dakota analysis ](#article-section-south-dakota) No general threshold identified ### Tennessee No general small-balance cash-out mandate identified; statutory protections concern validity and fees. Conditions: The gift-certificate statute does not create a small-balance cash demand right; federal minimum protections can exceed state expiry wording. Exclusions: The state gift-certificate section excludes unaffiliated multi-merchant and ATM prepaid cards; specific promotional/employment exemptions affect its fee/expiry rules. How to request payment: Request voluntary redemption from the issuer. For misleading conduct, use the Tennessee Attorney General Division of Consumer Affairs complaint form. Principal provisions: Tenn. Code Ann. §47-18-127; §66-29-102 defines gift cards separately for unclaimed property. **Read the sources** * [Tennessee Code §47-18-127, reproduced by Justia (opens in a new tab)](https://law.justia.com/codes/tennessee/title-47/chapter-18/part-1/section-47-18-127/?utm%5Fsource=giftcard.news) * [Tennessee Attorney General consumer laws (opens in a new tab)](https://www.tn.gov/attorneygeneral/working-for-tennessee/consumer/resources/laws.html?utm%5Fsource=giftcard.news) * [Tennessee consumer complaint procedure (opens in a new tab)](https://www.tn.gov/attorneygeneral/working-for-tennessee/consumer/file-a-complaint.html?utm%5Fsource=giftcard.news) * [NCSL state law survey (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) [Full Tennessee analysis ](#article-section-tennessee) Below $2.50 or $1 ### Texas < $2.50\. Cash on request below $2.50 after an in-person purchase, with significant card exclusions. Conditions: Card must be redeemed IN PERSON to make a purchase, leaving strictly less than $2.50\. Consumer must request cash. Effective September 1, 2015; session law contains no express issued-after cutoff. Exclusions: Excluded: §§604.002(1)–(3) bank-principal/airline/calling/reward categories; merchandise-return credit without receipt; initial value $5 or less AND nonreloadable. General no-expiry/no-fee exclusion does NOT defeat this subchapter. How to request payment: At the in-person transaction ask seller to pay the remainder in cash, citing §§604.151–152\. Preserve receipt and balance; unresolved misleading/refund conduct can be reported to Texas AG. Principal provisions: Tex. Bus. & Com. Code §§604.001–.003, .151–.152; HB 2391 (2015), §2. **Read the sources** * [Texas Business & Commerce Code ch.604 (opens in a new tab)](https://tcss.legis.texas.gov/resources/BC/htm/BC.604.htm?utm%5Fsource=giftcard.news) * [Texas HB2391 enrolled act, effective date (opens in a new tab)](https://capitol.texas.gov/tlodocs/84R/billtext/html/HB02391F.htm?utm%5Fsource=giftcard.news) * [Texas consumer complaint procedure (opens in a new tab)](https://www.texasattorneygeneral.gov/consumer-protection/file-consumer-complaint?utm%5Fsource=giftcard.news) [Full Texas analysis ](#article-section-texas) No general threshold identified ### Utah No general small-balance cash-out mandate identified; state law requires certain expiry and fee disclosures. Conditions: §13-11-4(2)(v), (4) protects disclosure and validity, rather than establishing a cash threshold. Exclusions: Certain multi-merchant records with printed expiry dates are excepted from specified disclosure/fee provisions; that does not confer cash redemption. How to request payment: Ask issuer about voluntary redemption. Escalate alleged deceptive conduct through Utah Division of Consumer Protection. Principal provisions: Utah Code §13-11-4(2)(v), (4), current chapter PDF amended through 2026. **Read the sources** * [Utah Consumer Sales Practices Act, current official chapter PDF (opens in a new tab)](https://le.utah.gov/xcode/Title13/Chapter11/C13-11%5F1800010118000101.pdf?utm%5Fsource=giftcard.news) * [Utah consumer complaint portal (opens in a new tab)](https://commerce.utah.gov/dcp/complaint/?utm%5Fsource=giftcard.news) * [NCSL state law survey (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) [Full Utah analysis ](#article-section-utah) Below $2.50 or $1 ### Vermont < $1\. Cash on demand below $1; a separate rule returns unused paid value after expiry. Conditions: Strictly below $1 under §2704 on holder demand; §2702 separately requires unused paid value returned after expiry on request. Digital gift cards explicitly included in definition. Exclusions: §2707 excludes specified no-consideration promotions, promotional value, donated fundraising certificates, calling cards, seasonal recreation and qualifying payroll cards. No blanket bank-issued exclusion appears in chapter; separate federal questions are not resolved here. How to request payment: Ask issuer to pay the sub-$1 balance, citing §2704; request balance information under §2705\. Consumer complaints can go to VT AG Consumer Assistance Program, with DFR oversight for regulated institutions. Principal provisions: 8 V.S.A. §§2701–2709, particularly §§2702, 2704, 2705, 2707. **Read the sources** * [Vermont gift certificates chapter (opens in a new tab)](https://legislature.vermont.gov/statutes/fullchapter/08/081?utm%5Fsource=giftcard.news) * [Vermont cash-redemption section (opens in a new tab)](https://legislature.vermont.gov/statutes/section/08/081/02704?utm%5Fsource=giftcard.news) * [Vermont Consumer Assistance Program (opens in a new tab)](https://www.uvm.edu/consumer?utm%5Fsource=giftcard.news) * [Vermont AG complaint form (opens in a new tab)](https://ago.vermont.gov/cap/get-help-consumer-complaint?utm%5Fsource=giftcard.news) [Full Vermont analysis ](#article-section-vermont) No general threshold identified ### Virginia No current general cash-out threshold; a 2026 proposal for balances below $10 did not pass. Conditions: Current Chapter 47 covers disclosure and fee restrictions, not mandatory small-balance redemption. Exclusions: Definition includes electronic cards and general-use prepaid cards; an unpaid award/loyalty/promotion exception concerns fees, not an affirmative cash-out right. How to request payment: Request issuer voluntary refund; Virginia AG complaint route accepts consumer disputes and may offer voluntary dispute resolution. Principal provisions: Va. Code §§59.1-530–532; 2026 HB 1431 was left in committee, not enacted. **Read the sources** * [Current Virginia gift certificate law (opens in a new tab)](https://law.lis.virginia.gov/vacodefull/title59.1/chapter47/?utm%5Fsource=giftcard.news) * [2026 HB1431 legislative status, LegiScan (opens in a new tab)](https://legiscan.com/VA/bill/HB1431/2026?utm%5Fsource=giftcard.news) * [Official HB1431 introduced text (opens in a new tab)](https://lis.virginia.gov/bill-details/20261/HB1431/text/HB1431?utm%5Fsource=giftcard.news) * [Virginia AG consumer complaint (opens in a new tab)](https://www.oag.state.va.us/consumer-protection/index.php/file-a-complaint?utm%5Fsource=giftcard.news) [Full Virginia analysis ](#article-section-virginia) $5 boundary — comparator varies ### Washington < $5\. Cash on demand below $5 after a purchase; covered cards remain valid until redeemed or replaced. Conditions: After purchase leaves strictly less than $5, bearer can demand cash under §19.240.020(3). Generally applies to certificates issued on/after July 1, 2004; 2019 changes effective July 1, 2020\. Exclusions: Chapter excludes financial-institution/operating-subsidiary cards usable with multiple unaffiliated sellers, and telephone/mobile-service cards. Awards/loyalty clause permits expiry; do not mislabel it blanket exemption from cashout. How to request payment: After a qualifying purchase, ask the issuer for the remainder in cash and cite RCW 19.240.020(3). Keep the receipt and record any refusal. Principal provisions: RCW §§19.240.010,.020(3),.030,.100,.900. **Read the sources** * [Washington gift certificate chapter (opens in a new tab)](https://app.leg.wa.gov/rcw/default.aspx?cite=19.240&full=true&utm%5Fsource=giftcard.news) * [Washington cash-redemption provision (opens in a new tab)](https://app.leg.wa.gov/rcw/default.aspx?cite=19.240.020&utm%5Fsource=giftcard.news) * [Washington AG complaint route (opens in a new tab)](https://www.atg.wa.gov/file-complaint?utm%5Fsource=giftcard.news) [Full Washington analysis ](#article-section-washington) No general threshold identified ### West Virginia No general small-balance cash-out mandate identified; unclaimed-property treatment is a separate issue. Conditions: Gift-certificate abandonment provisions do not create immediate checkout refund rights. Exclusions: Do not read the unclaimed-property 60% valuation for merchandise-only certificates as a consumer cashout rate. How to request payment: Ask issuer for its voluntary refund policy. Complaint route: WV AG Consumer Protection Division; retain balance and relevant communications. Principal provisions: W.Va. Code §§36-8-1,36-8-2(a)(7) (unclaimed property). **Read the sources** * [West Virginia gift-certificate abandonment provision (opens in a new tab)](https://code.wvlegislature.gov/36-8-2/?utm%5Fsource=giftcard.news) * [West Virginia statutory definitions (opens in a new tab)](https://code.wvlegislature.gov/36-8-1/?utm%5Fsource=giftcard.news) * [WV consumer complaint procedure (opens in a new tab)](https://ago.wv.gov/consumer-protection/file-complaint-consumer-protection-division?utm%5Fsource=giftcard.news) * [NCSL state law survey (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) [Full West Virginia analysis ](#article-section-west-virginia) No general threshold identified ### Wisconsin No state small-balance cash-out mandate identified; Wisconsin’s agency directs consumers to federal protections. Conditions: No Wisconsin threshold identified. Federal fee/expiry safeguards and contractual rights remain separate. Exclusions: No automatic cashout right for either retail or bank-network gift cards from Wisconsin residency alone; reward products have distinct rules. How to request payment: Contact issuer first; Wisconsin DATCP gift-card guide refers retailer-card complaints to FTC and bank-card complaints to bank regulators. DATCP also has general consumer complaint service. Principal provisions: Wis. Stat. ch.177 concerns unclaimed property; agency gift-card guidance states Wisconsin does not regulate sale of gift cards. **Read the sources** * [Wisconsin DATCP gift-card guidance (opens in a new tab)](https://datcp.wi.gov/Pages/Publications/GiftCards428.aspx?utm%5Fsource=giftcard.news) * [Wisconsin DATCP consumer complaint procedure (opens in a new tab)](https://datcp.wi.gov/Pages/Programs%5FServices/FileConsumerComplaint.aspx?utm%5Fsource=giftcard.news) [Full Wisconsin analysis ](#article-section-wisconsin) No general threshold identified ### Wyoming No general small-balance cash-out mandate identified; the $100 figure concerns abandonment, not refunds. Conditions: §34-24-114 concerns balances greater than $100 and more than five years of inactivity, with exceptions; not a small-balance cashout threshold. Exclusions: Certain no-expiry, no-fee merchant certificates/cards are exempt from the gift-card abandonment section. That exemption does not require refunds. How to request payment: Request voluntary issuer refund; unresolved deceptive-practice concerns can be filed with Wyoming AG after attempting direct resolution. Principal provisions: Wyo. Stat. §34-24-114; §34-24-122 addresses property already transferred to the state. **Read the sources** * [Wyoming official Title34, §34-24-114 at printed pages180–181 (opens in a new tab)](https://wyoleg.gov/statutes/compress/title34.pdf?utm%5Fsource=giftcard.news) * [Wyoming AG consumer complaint procedure (opens in a new tab)](https://ag.wyo.gov/law-office-division/consumer-protection-and-antitrust-unit/consumer-complaints?utm%5Fsource=giftcard.news) * [NCSL state law survey (opens in a new tab)](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) [Full Wyoming analysis ](#article-section-wyoming) * **Below $15** California: strictly less than $15 for a covered gift card. Exactly $15 is outside the threshold. 1 * **$5 boundary — comparator varies** Colorado includes exactly $5\. Eight other states require less than $5; purchase conditions and product exclusions vary. 9 * **Below $2.50 or $1** Texas: below $2.50 after an in-person purchase. Vermont: below $1 on demand. Eligibility and exclusions still matter. 2 * **Special conditions** Massachusetts: percentage-used or reloadable-card test. Rhode Island: qualified reissue-or-cash wording for a redeemed balance below $1. 2 * **No general threshold identified** No general statewide small-balance cash-out entitlement identified. Voluntary refunds and other contractual or consumer remedies may still apply. 36 These are conditional statutory provisions, not automatic eligibility. Less than (<) excludes the boundary; less than or equal to (≤) includes it. The $5 group combines Colorado’s inclusive threshold with eight strict thresholds. Massachusetts and Rhode Island need their separate analysis. Grey does not mean cash redemption is prohibited. D.C. is discussed separately; territories are outside scope. This is journalistic information, not legal advice. Geography: [US Atlas](https://github.com/topojson/us-atlas?utm%5Fsource=giftcard.news), derived from U.S. Census Bureau boundaries. [Geometry license](https://github.com/topojson/us-atlas/blob/master/LICENSE?utm%5Fsource=giftcard.news). **In this report** 1. [The map: where a small balance can become cash](#article-section-the-map-where-a-small-balance-can-become-cash) 2. [Why the money matters—and what the data actually measure](#article-section-why-the-money-matters-and-what-the-data-actually-measure) 3. [There is no single federal cash-out threshold](#article-section-there-is-no-single-federal-cash-out-threshold) 4. [What changes at $3, $2 and $1?](#article-section-what-changes-at-3-2-and-1) 5. [A digital gift card is not always the same legal product as an account balance](#article-section-a-digital-gift-card-is-not-always-the-same-legal-product-as-an-account-balance) 6. [How to request the money](#article-section-how-to-request-the-money) 7. [If the state does not require a cash-out](#article-section-if-the-state-does-not-require-a-cash-out) 8. [What merchants and digital-card providers should build](#article-section-what-merchants-and-digital-card-providers-should-build) 9. [Every state, with the rule and the source](#article-section-every-state-with-the-rule-and-the-source) 10. [Research method and limits](#article-section-research-method-and-limits) 6 figures * [F01\. Where a small balance can become cash](#article-figure-f01) * [F02\. Unused value differed by generation](#article-figure-f02) * [F03\. One in four cited an amount too small to use](#article-figure-f03) * [F04\. Ownership and spending plans tell different stories](#article-figure-f04) * [F05\. Gift-card purchase plans extended beyond merchant cards](#article-figure-f05) * [F06\. Customers wanted visibility and reminders](#article-figure-f06) 4 tables * [T01\. The 14 states with cash-redemption provisions](#article-table-t01) * [T02\. Why one cent can change the answer](#article-table-t02) * [T03\. Official issuer routes for digital-card holders](#article-table-t03) * [T04\. The 50-state index](#article-table-t04) [Download data (CSV)](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/data.csv) Chart values, table cells, source references and the report revision date. An email contains a gift card. The balance checker says $2.37\. There is nothing you want for that amount, and buying something more expensive means adding your own money. Before treating the remainder as a discount on another purchase, there is another question worth asking: can the issuer give it back? In parts of the United States, the law provides a route to recover a small remaining balance. Elsewhere, the answer may depend on the merchant's policy. Even where a right exists, the headline dollar amount is only the beginning: some states require a previous purchase, some exclude particular kinds of cards, and others distinguish a standalone digital code from money already loaded into an online account. This investigation reviews all **50 states**, with the District of Columbia separately. It identifies **14 states with cash-redemption provisions**, including Rhode Island's qualified wording, consistent with the [National Conference of State Legislatures](https://giftcard.news/organization/national-conference-of-state-legislatures/)' May 2026 comparison. The map describes those provisions and their limits; it does not establish that every card held by every resident qualifies. [\[S01\]](#article-source-1) The focus is digital merchant gift cards. Bank-issued [Visa](https://giftcard.news/company/visa/) or [Mastercard](https://giftcard.news/company/mastercard/) gift cards, promotional rewards, merchandise-return credits and account balances require separate attention. The state entries link to the legal material reviewed and identify the source basis for each conclusion. ## The map: where a small balance can become cash **Read the symbols literally.** “< $5” means less than $5; a balance of exactly $5 is outside that threshold. “≤ $5” includes exactly $5\. Massachusetts has a percentage-based rule for nonreloadable cards and a separate dollar rule for reloadable cards. Rhode Island's statute links reissuance with cash in wording that warrants care. Grey means that no general small-balance cash-out requirement was identified in the reviewed materials—not that redemption is prohibited or that other consumer protections disappear. ### T01\. The 14 states with cash-redemption provisions Scroll left or right to see all columns __T01\. The 14 states with cash-redemption provisions__ | State | Monetary test | Key condition—not the complete eligibility rule | Legal source | | ------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------- | ------------------------------------------------------------------------------ | ------------------------------------- | | [California](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-california) | **< $15** | Operative April 1, 2026; covered products only. | Statute [\[S02\]](#article-source-2) | | [Colorado](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-colorado) | **≤ $5** | Holder requests cash; exactly $5 is included. | Statute [\[S03\]](#article-source-3) | | [Connecticut](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-connecticut) | **< $5** | After a purchase; retailer and product exclusions apply. | Statute [\[S04\]](#article-source-4) | | [Hawaii](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-hawaii) | **< $5** | Qualifying retail instrument; strictly below $5. | Statute [\[S05\]](#article-source-5) | | [Maine](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-maine) | **< $5** | In-person redemption; original value above $5; account-balance exclusion. | Statute [\[S06\]](#article-source-6) | | [Massachusetts](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-massachusetts) | **≥90% used / reloadable ≤ $5** | Nonreloadable: at least 90% redeemed. Reloadable: partly used, remaining ≤ $5. | Statute [\[S07\]](#article-source-7) | | [Montana](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-montana) | **< $5** | Original value above $5; remaining value below $5. | Statute [\[S08\]](#article-source-8) | | [New Jersey](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-new-jersey) | **< $5** | After redemption; initial ≤ $5 nonreloadable cards excluded. | Statute [\[S09\]](#article-source-9) | | [New York](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-new-york) | **< $5** | Open-loop and promotional cards excluded. | Statute [\[S10\]](#article-source-10) | | [Oregon](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-oregon) | **< $5** | At least one purchase; cards redeemed to online accounts excluded. | Statute [\[S11\]](#article-source-11) | | [Rhode Island](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-rhode-island) | **< $1 — qualified wording** | Reissue-or-cash wording; consumer election not expressly stated. | Statute [\[S12\]](#article-source-12) | | [Texas](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-texas) | **< $2.50** | After in-person purchase; initial ≤ $5 nonreloadable cards excluded. | Statute [\[S13\]](#article-source-13) | | [Vermont](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-vermont) | **< $1** | On demand; a separate expired-value provision also exists. | Statute [\[S14\]](#article-source-14) | | [Washington](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-washington) | **< $5** | After a purchase leaves less than $5. | Statute [\[S15\]](#article-source-15) | The coloured states are a starting point for checking eligibility. Product exclusions, purchase history and the connection between the transaction and the state can change the answer. The detailed entries below explain those conditions. ## Why the money matters—and what the data actually measure [Bankrate](https://giftcard.news/company/bankrate/)'s 2024 survey found that **43% of U.S. adults** held unused gift cards, vouchers or store credits. Among holders, the mean was **$244**; the median was **$100**. Its generational breakdown put millennials at $332, Gen X at $255, baby boomers at $227 and Gen Z at $142\. These figures describe a mixture of products and delivery formats, not exclusively virtual merchant cards. [\[S16\]](#article-source-16) The data behind the story ### F02\. Unused value differed by generation Mean value among holders of unused gift cards, vouchers or store credits, United States, 2024. Mean unused value USD Tap or hover for details. All values are also available in the data table. **Sources:** [\[S16\]](#article-source-16); [\[S142\]](#article-source-142) Holder-only averages from an online YouGov survey for Bankrate, August 19–21, 2024: 2,373 U.S. adults, including 1,010 holders of unused value. Quotas and weighting were used. These are combined balances, not individual card amounts, statutory cash-out entitlements or permanent losses. Subgroup sample sizes are not reported. Statista presents the same Bankrate/YouGov study; it is not an independent survey. Explore the data table Scroll left or right to see all columns __F02\. Unused value differed by generation (USD)__ | Category | Mean unused value | | ------------ | ----------------- | | Millennials | 332 USD | | Gen X | 255 USD | | Baby boomers | 227 USD | | Gen Z | 142 USD | [_Bankrate_](https://giftcard.news/company/bankrate/) _commissioned an online_ [_YouGov_](https://giftcard.news/company/yougov/) _survey of 2,373 U.S. adults, including 1,010 holders of unused value, on August 19–21, 2024\. Quotas and weighting were used. Group means are not individual card balances or amounts eligible for cash redemption; subgroup sample sizes are not supplied in the report._ The distinction matters. A person with several large cards may have substantial unused value and no small-balance entitlement on any one card. Someone with a few cents on one qualifying card may have a valid claim. An unused balance is also not necessarily a permanent loss: the owner may still intend to spend it. ### A small balance is one obstacle among several In [Accenture](https://giftcard.news/company/accenture/)’s 2024 findings presented by [Statista](https://giftcard.news/company/statista/), 25% of consumers with an unused balance said the amount was too small to use. Limited merchant choice and forgetting the card each drew 34%. This identifies a spending obstacle, not a legally redeemable balance. [\[S143\]](#article-source-143) The data behind the story ### F03\. One in four cited an amount too small to use United States, 2024\. Accenture online survey of 483 consumers with unused gift-card balances. Respondents % Tap or hover for details. All values are also available in the data table. **Source:** [\[S143\]](#article-source-143) Multiple responses allowed; categories overlap. Labels paraphrased. Statista does not specify exact fieldwork dates. These responses do not measure cash-out eligibility, refused payouts or awareness of state law. Explore the data table Scroll left or right to see all columns __F03\. One in four cited an amount too small to use (%)__ | Category | Respondents | | ----------------------------- | ----------- | | Limited merchant choice | 34% | | Forgotten card | 34% | | No suitable item | 28% | | No time to use it | 28% | | Unappealing choices | 28% | | Amount too small to use | 25% | | Restricted redemption channel | 23% | | Technical redemption problems | 23% | | Card expired | 22% | | Insufficient flexibility | 20% | | Sign-up required | 18% | | Card lost | 17% | ### Unused today does not mean abandoned forever [CivicScience](https://giftcard.news/company/civicscience/) distinguished respondents who planned to spend their unused cards soon: 21% selected that answer in both chart years. The share reporting no unused cards was 35% in 2024 and 39% in 2025\. The survey filters out people who do not typically buy or receive gift cards. [\[S144\]](#article-source-144) [\[S146\]](#article-source-146) The data behind the story ### F04\. Ownership and spending plans tell different stories U.S. adults who typically buy or receive gift cards. CivicScience chart labels, 2024 and 2025. 20242025 % Tap or hover for details. Select a series above to show or hide it. **Sources:** [\[S144\]](#article-source-144); [\[S146\]](#article-source-146) Weighted to U.S. Census demographics. The original chart reports 1,865 responses across January 25, 2024–January 6, 2025; separate yearly sample sizes are not stated. This filtered population differs from Bankrate’s all-adult survey, so the prevalence figures are not directly comparable. Explore the data table Scroll left or right to see all columns __F04\. Ownership and spending plans tell different stories (%)__ | Category | 2024 | 2025 | | -------------------------------- | ---- | ---- | | Many unused cards | 12% | 11% | | A few unused cards | 32% | 29% | | Unused, with plans to spend soon | 21% | 21% | | No unused cards | 35% | 39% | Gift-card purchasing remains substantial. For the 2025 holiday season, the [National Retail Federation](https://giftcard.news/organization/national-retail-federation/) and [Prosper Insights & Analytics](https://giftcard.news/company/prosper-insights-analytics/) reported **$29.1 billion in expected gift-card spending**, compared with $28.6 billion for 2024\. Their survey covered 8,000 adult consumers from October 31 to November 6, 2025\. These were holiday spending plans—not observed full-year market sales. [\[S17\]](#article-source-17) The data behind the story ### F05\. Gift-card purchase plans extended beyond merchant cards Selected gift-card types in the National Retail Federation’s 2025 holiday survey. Reported purchase plans % Tap or hover for details. All values are also available in the data table. **Source:** [\[S17\]](#article-source-17) Reported purchase intentions, not observed transactions or shares of gift-card sales. NRF and Prosper surveyed 8,000 adult consumers from October 31 to November 6, 2025\. Selected categories are not exhaustive and do not form a 100% partition. The release does not provide the question’s complete subgroup base; bank-issued products have different legal coverage. Explore the data table Scroll left or right to see all columns __F05\. Gift-card purchase plans extended beyond merchant cards (%)__ | Category | Reported purchase plans | | ----------------- | ----------------------- | | Restaurants | 27% | | Bank-issued cards | 25% | | Department stores | 25% | | Coffee shops | 20% | [_NRF_](https://giftcard.news/organization/national-retail-federation/)_'s reported purchase plans include restaurants, bank-issued cards, department stores and coffee shops. These percentages are not a division of total sales and do not sum to 100%; the release does not provide complete subgroup denominator detail._ None of these surveys establishes how much money Americans could legally cash out under current state thresholds, how often issuers refuse valid requests or what proportion of consumers successfully recover a balance. This guide therefore does not turn unused-card estimates into a national “cash waiting to be claimed” figure. ## There is no single federal cash-out threshold Federal Regulation E protects covered gift cards against certain expiration practices and fees. It covers qualifying emailed codes as well as conventional cards, but it does not create an unrestricted right to exchange a small balance for cash. Covered funds generally cannot expire before the later of five years after issue or last load, as applicable, or the card's stated expiration date. When the card expires before its funds, the issuer may provide a replacement or otherwise return the balance under the rule; that is not a general consumer election for cash. Qualifying promotional and reward products can be excluded subject to the rule's conditions. [\[S18\]](#article-source-18) Federal law preserves more protective state rules within their scope. It does not make a state's rules apply to transactions they otherwise would not cover. [\[S19\]](#article-source-19) That is why a consumer should resist two shortcuts: assuming the same dollar threshold applies nationwide, or assuming the issuer's home state is the only relevant jurisdiction. A digital purchase may connect the buyer, seller, issuer and redemption transaction to different places. The appropriate law can require a fact-specific assessment. A home address alone is not a universal eligibility test. ## What changes at $3, $2 and $1? The law operates through defined boundaries, not a gradual judgment about whether a balance feels too small to use. The following examples assume a covered product and an applicable state law; other conditions still matter. ### T02\. Why one cent can change the answer Scroll left or right to see all columns __T02\. Why one cent can change the answer__ | Remaining balance | What the threshold comparison tells you | | ----------------- | ------------------------------------------------------------------------------------------------------------------------------------- | | **$14.99** | Below California's current $15 threshold. This is not a nationwide right. | | **$5.00** | Included by Colorado's “$5 or less” rule. Excluded by the states using strictly “less than $5.” Massachusetts needs its own analysis. | | **$4.99** | Below the common $5 boundary, but requirements such as a previous purchase or original face value still apply. | | **$2.99** | Below $5; still above Texas's $2.50 boundary. | | **$2.49** | Below Texas's monetary boundary, subject to its in-person purchase condition and exclusions. | | **$1.00** | Not below the $1 thresholds appearing in Vermont and Rhode Island. | | **$0.99** | Below $1; Vermont's right and Rhode Island's differently worded provision still require separate treatment. | _Illustrations calculated from the statutes linked in the threshold table and state entries. They are threshold comparisons, not individualized eligibility decisions._ Massachusetts is especially easy to misread. For a nonreloadable certificate, redeeming at least 90% of the face value can trigger the cash election. On a $200 certificate, a $20 remainder after $180 of redemption can therefore meet the percentage condition. A partially used reloadable certificate follows a separate balance rule of $5 or less. Calling Massachusetts simply a “$5 state” misses the first route. [\[S07\]](#article-source-7) Before making another purchase to reach a threshold, compare its cost and any extra out-of-pocket spending with the amount you could recover. A small purchase paid from the card may sometimes leave a qualifying remainder; spending additional money to do so can also outweigh the benefit. Check the product and procedural conditions before assuming the transaction will create a cash-out right. ## A digital gift card is not always the same legal product as an account balance “Virtual” describes delivery and access. It does not settle the legal classification. An emailed merchant code, a reward distributed by an employer, a store-credit balance from a return and a bank-issued network card can all appear on a phone while operating under different terms and statutory definitions. Two state rules make that distinction particularly concrete. Oregon's cash-out subsection excludes a card already redeemed to an online account; that wording should not be expanded into a claim that every electronic gift card is excluded. Maine's current definition distinguishes qualifying bearer gift obligations from account credits or balances, including balances funded with those obligations. In both places, the way value is held can matter alongside the amount. [\[S11\]](#article-source-11); [\[S20\]](#article-source-20) For a digital holder, this creates a practical question before transferring a code into an app or account: what happens to the original gift obligation, and which redemption rules will apply afterward? The answer comes from the relevant law and issuer terms, not merely the appearance of a “gift balance” label. ### Visa and Mastercard: acceptance does not guarantee cash access A payment-network logo tells you something about where a product can be spent. It does not by itself establish ATM access, purchase cash back or eligibility under merchant-card cash-out statutes. For example, [Vanilla](https://giftcard.news/company/vanilla-gift/)'s own [Visa](https://giftcard.news/company/visa/) gift-card FAQ says its product cannot be used for ATM withdrawals or cash back. That is a verified product example, not a rule covering every card bearing a [Visa](https://giftcard.news/company/visa/) logo. [\[S21\]](#article-source-21) The state entries flag relevant exclusions for bank-issued or multi-merchant products. Do not apply a retailer's small-balance rule to a network gift card simply because the balance is low. Conversely, do not treat an issuer's ordinary “no cash access” feature as a complete analysis of every statutory refund or dispute right. ## How to request the money Start with the issuer or merchant responsible for the value. The company that delivered the email may be a distributor rather than the party that handles redemptions. Use the official website or the contact details attached to the gift card. 1. **Identify the product.** Is it an ordinary purchased merchant gift card, a bank-issued gift card, a promotional reward provided without charge, a return credit or an account balance? 2. **Check the balance.** Save the date, amount and a reference to the card. Keep the original purchase or gift receipt and relevant transaction history if available; a receipt is not a universal statutory requirement. 3. **Check the applicable state entry.** Read the comparator, original-value conditions, use-first requirements, exclusions and any in-person requirement. 4. **Ask for the remaining balance under the applicable rule.** Distinguish this request from returning a purchase or cancelling the original gift-card sale. 5. **Ask how payment will be delivered.** Do not assume the law requires an immediate bank transfer or that every issuer has an online redemption form. Request the issuer's approved process and timing. 6. **Keep a written record of a refusal.** Ask whether the reason concerns the product, the amount, the transaction's location or a procedural condition. An unexplained “gift cards are nonrefundable” answer does not resolve each of those questions. ### A request you can adapt > I hold a \[merchant/product\] gift card with a remaining balance of $\[amount\]. I am requesting redemption of the remaining balance under \[state and statutory section\]. The relevant purchase occurred on \[date/location\], and \[state any applicable use-first or original-value condition\]. Please confirm the redemption procedure, or explain which eligibility condition you believe is not met. Do not publish the full card number or PIN in a complaint narrative visible to others. Supply necessary details only through the issuer's or agency's secure channel. A legitimate small-balance request does not require paying a stranger with another gift card. ### T03\. Official issuer routes for digital-card holders These links distinguish a verified payout form from a general support channel. A support link is a place to request the applicable procedure, not proof that every balance qualifies or will be paid remotely. Scroll left or right to see all columns __T03\. Official issuer routes for digital-card holders__ | Issuer / product | Verified application channel | What the primary source actually establishes | | ------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | [**Apple Gift Card**](https://giftcard.news/company/apple/) **/ redeemed** [**Apple Account**](https://giftcard.news/company/apple/) **balance** | Follow Apple's balance and cash-refund instructions [\[S22\]](#article-source-22), then contact Apple Support [\[S23\]](#article-source-23). Include the primary email used to sign into the Apple Account. | The article, published **16 September 2026**, expressly directs customers seeking a legally required refund of a redeemed gift balance to Support. No universal cash-out promise or completion time. Apple's separate instruction about clearing an unspendably small account balance before changing account settings is not itself a cash-refund promise. | | [**Chipotle**](https://giftcard.news/company/chipotle/) **gift cards** | Gift Card Cashback request form [\[S24\]](#article-source-24). | The page offers remaining-balance payout for cards **below $10**, or **below $15 in California**, through **bank transfer or check**. The form requests contact and mailing information; its mailing address instruction excludes PO boxes. This is a retailer's published program, not a statement that every state requires a $10 threshold. Its approximately ten-business-day estimate concerns hearing back from Customer Care, not guaranteed payment receipt. The page addresses gift cards generally and does not state a digital-only exclusion. | | [**Google Play**](https://giftcard.news/company/google/) **gift card / paid Play balance** | Read [Google Play](https://giftcard.news/company/google/) gift-card refund policy [\[S25\]](#article-source-25), then use its Contact us support entry point [\[S26\]](#article-source-26), which leads to account sign-in. | US cash refunds are unavailable except when state or federal law requires them. Paid balances and promotional balances must be distinguished: the page says promotional balance is nonrefundable and nontransferable. This is an official support route, not a verified automatic residual-balance payout form. Problems with a third-party specialty gift card may need the issuing brand. | | [**Starbucks Card**](https://giftcard.news/company/starbucks/)**, including eGift** | Contact [Starbucks](https://giftcard.news/company/starbucks/) at **1-800-782-7282**, the official support number in the Starbucks Card terms [\[S27\]](#article-source-27). Ask for the procedure for a legally required remaining-balance redemption. | Terms treat eGift as a Starbucks Card and preserve cash refunds where required by law. They also prohibit transfers between cards solely to obtain cash back. A return of a wholly unused eGift is a separate topic. The terms do not specify counter service, a payout method or a processing time for residual-balance redemption. | | [**Darden**](https://giftcard.news/company/darden-restaurants/) **restaurant eGift cards** | Contact guest relations at **800-331-2729**, listed in the gift-card terms [\[S28\]](#article-source-28). | The terms expressly preserve legally required cash redemption, refer to state de minimis rules, and apply the same terms to eGift cards. Covered brands include [Olive Garden](https://giftcard.news/company/olive-garden/), [LongHorn Steakhouse](https://giftcard.news/company/longhorn-steakhouse/), [Yard House](https://giftcard.news/company/yard-house/), [Ruth's Chris](https://giftcard.news/company/ruth-s-chris/) and others. This is a general support route; the cited terms do not specify a dedicated cash-out form or processing time. The separate gift-card-services email in the terms is a formal dispute-notice channel, not an expressly designated first-line cash-out inbox. | | [**Target eGiftCard**](https://giftcard.news/company/target/) | Use the dedicated [Target Gift Card](https://giftcard.news/company/target/) contact page [\[S29\]](#article-source-29). For the amount, use Target's balance checker [\[S30\]](#article-source-30). | The dedicated channel and balance checker are verified. Target's Gift Card help page [\[S31\]](#article-source-31) explains access to emailed/texted cards and retrieving access numbers through the Target account. Use this channel to request the applicable cash-redemption procedure. The cited pages do not promise remote payment or a particular payout method. | For an unresolved refusal, the [USA.gov](https://giftcard.news/organization/usa-gov/) state consumer-protection directory [\[S32\]](#article-source-32) identifies the relevant public office. A complaint can document the problem and prompt review; it does not guarantee payment. ## If the state does not require a cash-out The absence of a general statutory threshold does not prevent an issuer from offering a more generous policy. Ask about voluntary redemption first. If cash is unavailable, consider whether the balance can be applied to a purchase you already planned, combined with another permitted payment method or transferred to someone who can use it under the terms. Selling a card to a third party is a different transaction. The price can be lower than the balance, and acceptance of tiny or already registered balances is not guaranteed. Compare the actual net proceeds and terms; do not confuse a discounted resale offer with the issuer paying a statutory redemption claim. Unclaimed-property recovery is different again. Abandonment statutes determine when certain obligations are reported or transferred to a state. They do not automatically require a merchant to hand over a small balance on demand. Nor does every gift card become claimable through an unclaimed-property office. The state entries distinguish those regimes wherever they are the main gift-card provisions found. ## What merchants and digital-card providers should build For a gift-card operator, a balance-check page is also the moment a customer discovers that the remaining value may be awkward to spend. A useful design should let the customer identify the product, see an accurate remaining balance and find the appropriate redemption or support route. This is an editorial recommendation, not a claim that every state mandates a particular interface. ### The balance screen is part of the problem A second [Accenture](https://giftcard.news/company/accenture/) table presented by [Statista](https://giftcard.news/company/statista/) uses a wider base of 1,501 respondents: 36% wanted easier balance checks and 35% wanted reminders about unused value. Those preferences focus attention on making a remainder visible before the customer decides what to do with it. They do not measure the effect of design changes. [\[S145\]](#article-source-145) The data behind the story ### F06\. Customers wanted visibility and reminders Requested gift-card improvements, United States, 2024\. Accenture online survey of 1,501 respondents. Respondents % Tap or hover for details. All values are also available in the data table. **Source:** [\[S145\]](#article-source-145) Multiple responses allowed. Labels paraphrased. Exact fieldwork dates are not specified in Statista’s metadata. This base differs from the 483-person unused-balance group. These preferences do not establish awareness of cash-redemption rights. Explore the data table Scroll left or right to see all columns __F06\. Customers wanted visibility and reminders (%)__ | Category | Respondents | | ------------------------------ | ----------- | | Easier balance checks | 36% | | Unused-balance reminders | 35% | | Easier use online and in-store | 32% | | More ways to spend | 32% | | More personalisation | 30% | | Upgrade to premium options | 26% | | Clearer instructions | 23% | | Better technical support | 23% | A system based only on “state + balance” will miss important cases. It may also need original face value, reloadability, whether and how a purchase occurred, whether the code became an account balance, and the product's funding or promotional status. Massachusetts makes the distinction between balance and redemption history obvious; Maine and Oregon show why account treatment matters; Texas shows why transaction channel matters. Keep the legal rule separate from the payment workflow. A right to redeem should not be described as proof that every cash-out must happen through the same channel. Train customer-service teams to distinguish a qualifying remainder request from a routine return, and make the reason for any denial specific enough to review. An operational dashboard can track requests, qualifying claims, completion times, refusals by reason and unresolved cases. Those would be company measurements—not figures this investigation has established for the market. Publishing such data would help answer an important question that consumer balance surveys leave open: how usable are the rights that already exist? ## Every state, with the rule and the source The entries below cover all 50 states alphabetically. Dollar thresholds apply only when the relevant law covers the card and transaction. “No general right identified” is a bounded research finding. Source references distinguish statutes, enacted laws, agency guidance and statutory reproductions. ### T04\. The 50-state index Scroll left or right to see all columns __T04\. The 50-state index__ | State | Finding | Reviewed authority | | -------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------- | ------------------------------------ | | [Alabama](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-alabama) | No general threshold identified | Source [\[S33\]](#article-source-33) | | [Alaska](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-alaska) | No general threshold identified | Source [\[S01\]](#article-source-1) | | [Arizona](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-arizona) | No general threshold identified | Source [\[S34\]](#article-source-34) | | [Arkansas](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-arkansas) | No general threshold identified | Source [\[S35\]](#article-source-35) | | [California](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-california) | < $15 | Source [\[S02\]](#article-source-2) | | [Colorado](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-colorado) | ≤ $5 | Source [\[S03\]](#article-source-3) | | [Connecticut](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-connecticut) | < $5 | Source [\[S04\]](#article-source-4) | | [Delaware](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-delaware) | No general threshold identified | Source [\[S36\]](#article-source-36) | | [Florida](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-florida) | No general threshold identified | Source [\[S37\]](#article-source-37) | | [Georgia](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-georgia) | No general threshold identified | Source [\[S38\]](#article-source-38) | | [Hawaii](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-hawaii) | < $5 | Source [\[S05\]](#article-source-5) | | [Idaho](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-idaho) | No general threshold identified | Source [\[S39\]](#article-source-39) | | [Illinois](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-illinois) | No general threshold identified | Source [\[S40\]](#article-source-40) | | [Indiana](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-indiana) | No general threshold identified | Source [\[S41\]](#article-source-41) | | [Iowa](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-iowa) | No general threshold identified | Source [\[S42\]](#article-source-42) | | [Kansas](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-kansas) | No general threshold identified | Source [\[S43\]](#article-source-43) | | [Kentucky](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-kentucky) | No general threshold identified | Source [\[S44\]](#article-source-44) | | [Louisiana](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-louisiana) | No general threshold identified | Source [\[S45\]](#article-source-45) | | [Maine](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-maine) | < $5 | Source [\[S06\]](#article-source-6) | | [Maryland](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-maryland) | No general threshold identified | Source [\[S46\]](#article-source-46) | | [Massachusetts](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-massachusetts) | ≥90% used / reloadable ≤ $5 | Source [\[S07\]](#article-source-7) | | [Michigan](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-michigan) | No general threshold identified | Source [\[S47\]](#article-source-47) | | [Minnesota](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-minnesota) | No general threshold identified | Source [\[S48\]](#article-source-48) | | [Mississippi](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-mississippi) | No general threshold identified | Source [\[S49\]](#article-source-49) | | [Missouri](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-missouri) | No general threshold identified | Source [\[S50\]](#article-source-50) | | [Montana](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-montana) | < $5 | Source [\[S08\]](#article-source-8) | | [Nebraska](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-nebraska) | No general threshold identified | Source [\[S51\]](#article-source-51) | | [Nevada](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-nevada) | No general threshold identified | Source [\[S52\]](#article-source-52) | | [New Hampshire](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-new-hampshire) | No general threshold identified | Source [\[S53\]](#article-source-53) | | [New Jersey](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-new-jersey) | < $5 | Source [\[S09\]](#article-source-9) | | [New Mexico](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-new-mexico) | No general threshold identified | Source [\[S54\]](#article-source-54) | | [New York](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-new-york) | < $5 | Source [\[S10\]](#article-source-10) | | [North Carolina](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-north-carolina) | No general threshold identified | Source [\[S55\]](#article-source-55) | | [North Dakota](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-north-dakota) | No general threshold identified | Source [\[S56\]](#article-source-56) | | [Ohio](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-ohio) | No general threshold identified | Source [\[S57\]](#article-source-57) | | [Oklahoma](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-oklahoma) | No general threshold identified | Source [\[S58\]](#article-source-58) | | [Oregon](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-oregon) | < $5 | Source [\[S11\]](#article-source-11) | | [Pennsylvania](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-pennsylvania) | No general threshold identified | Source [\[S59\]](#article-source-59) | | [Rhode Island](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-rhode-island) | < $1 — qualified wording | Source [\[S12\]](#article-source-12) | | [South Carolina](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-south-carolina) | No general threshold identified | Source [\[S60\]](#article-source-60) | | [South Dakota](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-south-dakota) | No general threshold identified | Source [\[S61\]](#article-source-61) | | [Tennessee](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-tennessee) | No general threshold identified | Source [\[S62\]](#article-source-62) | | [Texas](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-texas) | < $2.50 | Source [\[S13\]](#article-source-13) | | [Utah](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-utah) | No general threshold identified | Source [\[S63\]](#article-source-63) | | [Vermont](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-vermont) | < $1 | Source [\[S14\]](#article-source-14) | | [Virginia](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-virginia) | No general threshold identified | Source [\[S64\]](#article-source-64) | | [Washington](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-washington) | < $5 | Source [\[S15\]](#article-source-15) | | [West Virginia](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-west-virginia) | No general threshold identified | Source [\[S65\]](#article-source-65) | | [Wisconsin](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-wisconsin) | No general threshold identified | Source [\[S66\]](#article-source-66) | | [Wyoming](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/#article-section-wyoming) | No general threshold identified | Source [\[S67\]](#article-source-67) | ### Alabama **No general threshold identified.** Alabama: no general cash-out right identified. Its gift-card provisions in the unclaimed-property law address abandoned value and reporting exemptions. Cards issued by businesses primarily selling tangible personal property at retail are exempt from reporting; the separate rule for other gift certificates is not a command to pay a small balance over the counter. [\[S33\]](#article-source-33) For a working card, the practical starting point is the issuer's published redemption policy. Ask whether it offers voluntary cash redemption and whether that option covers an electronic card. A refusal is not automatically a violation just because the balance is small. Preserve the terms, balance record and correspondence if the issuer fails to deliver a refund it promised. The Attorney General's consumer complaint route [\[S68\]](#article-source-68) is available for unresolved consumer disputes. Legal and consumer sources: Alabama Treasury: Unclaimed Property Law [\[S33\]](#article-source-33) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) gift-card statutes survey, updated May 20, 2026 [\[S01\]](#article-source-1) · [Alabama Attorney General](https://giftcard.news/organization/alabama-attorney-general/): Consumer Complaint [\[S68\]](#article-source-68). ### Alaska **No general threshold identified.** Alaska: no general cash-out right identified in the state-law survey. The state's abandoned-property provisions should not be confused with an immediate right to exchange a working gift card for cash. [\[S01\]](#article-source-1) A useful request therefore starts with the issuer's own terms: does the business promise refunds, account closure payments or some other way to recover the remainder? Save the answer together with the balance shown in the app or email account. Merely possessing a small digital balance does not establish the same claim that a specific statutory threshold would establish elsewhere. Alaska's Consumer Protection Unit [\[S69\]](#article-source-69) accepts complaints and can attempt informal mediation, but it does not represent individual consumers. The cash-out classification here is based on the [National Conference of State Legislatures](https://giftcard.news/organization/national-conference-of-state-legislatures/)’ May 2026 comparison. Legal and consumer sources: [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) gift-card statutes survey, updated May 20, 2026 [\[S01\]](#article-source-1) · [Alaska Department of Law](https://giftcard.news/organization/alaska-department-of-law/): Consumer Laws [\[S70\]](#article-source-70) · Alaska consumer complaint procedure [\[S69\]](#article-source-69). ### Arizona **No general threshold identified.** Arizona protects the value on covered gift cards through fee and expiration rules, but its gift-card statute does not establish a general small-balance cash-out right. An expired electronic code and expired money are different issues: the law permits replacement of an expired code while protecting the underlying funds, subject to its coverage and exceptions. [\[S34\]](#article-source-34) The practical implication is that a consumer with a valid $2 balance should ask about the merchant's voluntary redemption policy; the existence of an expiration protection is not itself grounds to demand cash. If the problem is a fee, disappearing value or a refused replacement, describe that actual issue in the request. The [Arizona Attorney General](https://giftcard.news/organization/arizona-attorney-general/) [\[S71\]](#article-source-71) accepts consumer complaints and requests supporting records. Its process does not guarantee individual recovery. Legal and consumer sources: Arizona gift card statute §44-7402 [\[S34\]](#article-source-34) · Arizona definitions §44-7401 [\[S72\]](#article-source-72) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) gift-card statutes survey, updated May 20, 2026 [\[S01\]](#article-source-1) · Arizona consumer complaint [\[S71\]](#article-source-71). ### Arkansas **No general threshold identified.** Arkansas has a Fair Gift Card Act, but it does not establish a general threshold at which the remainder must be exchanged for cash. Its reference to a cash-out fee regulates a possible charge; it does not require every issuer to offer cash redemption. The act also covers disclosures in electronic offers, so digital delivery does not make the terms irrelevant. [\[S35\]](#article-source-35) Ask the issuer whether it permits redemption voluntarily and request the applicable terms in writing. Avoid assuming the state act's older expiration wording overrides stronger federal protections. Financial-institution cards usable at unaffiliated merchants and specified promotional products have separate exclusions. An unresolved dispute about the issuer's promises or compliance can be directed to the [Arkansas Attorney General](https://giftcard.news/organization/arkansas-attorney-general/)'s Consumer Protection Division [\[S73\]](#article-source-73). Legal and consumer sources: Arkansas Fair Gift Card Act, official enacted text [\[S35\]](#article-source-35) · Arkansas §4-88-703,2025 code mirror [\[S74\]](#article-source-74) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) gift-card statutes survey, updated May 20, 2026 [\[S01\]](#article-source-1) · [Arkansas Attorney General](https://giftcard.news/organization/arkansas-attorney-general/) Consumer Protection [\[S73\]](#article-source-73). ### California **< $15.** California's threshold is now **less than $15**, which became operative April 1, 2026\. Thus $14.99 qualifies; $15 does not. SB 22 also expressly includes electronic gift cards. The rule has no purchase-first condition. [\[S02\]](#article-source-2) Coverage matters: cards usable with multiple unaffiliated sellers are excluded when any expiration date is printed on the card; affiliated-store cards remain covered. There are also conditional exceptions for certain promotions and donations. A nonprofit donation without payment can escape cash redemption when the required disclaimer is present. [\[S75\]](#article-source-75) Request redemption from the issuer. Cash includes currency or check; an electronic transfer may be used by agreement. Keep the balance record and any refusal, and use the Attorney General's complaint form [\[S76\]](#article-source-76) if necessary. Older summaries citing $10 describe the previous threshold. Legal and consumer sources: California current cash-redemption statute [\[S02\]](#article-source-2) · Enacted SB22 including electronic-card definition and operative date [\[S75\]](#article-source-75) · California consumer complaint [\[S76\]](#article-source-76). ### Colorado **≤ $5.** Colorado requires the issuer to redeem a covered gift card's remaining value when it is **$5 or less** and the holder asks. Exactly $5 therefore qualifies. The definition includes electronic records; the statute does not add a purchase-first condition. It excludes cards usable with unaffiliated sellers, paper-only certificates and several government, telecommunications, promotional and fundraising products. [\[S03\]](#article-source-3) For an electronic card, ask the issuer's customer-service channel for cash redemption and retain the balance record. Explain the request as redemption of the remaining value, rather than a return of the original gift purchase. An unresolved refusal can be reported through the [Colorado Attorney General](https://giftcard.news/organization/colorado-attorney-general/) [\[S77\]](#article-source-77). The 2026 Colorado Revised Statutes confirm the inclusive $5 threshold. Legal and consumer sources: Colorado official statutes: §6-1-722, PDF page81 [\[S03\]](#article-source-3) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) gift-card statutes survey, updated May 20, 2026 [\[S01\]](#article-source-1) · [Colorado Attorney General](https://giftcard.news/organization/colorado-attorney-general/) complaints [\[S77\]](#article-source-77). ### Connecticut **< $5.** Connecticut's rule is **less than $5 after a purchase**, followed by a refund request to the business that accepted the card. Exactly $5 does not qualify. The current statute no longer contains the former receipt-presentation exception; sellers must still supply a purchase or gift receipt. [\[S04\]](#article-source-4) Electronic gift cards are included, but important exclusions remain: general-use bank cards, linked prepaid cards, free rewards, cards sold below face value, specified charitable cards, paper-only certificates and cards sold by retailers without a Connecticut retail establishment. These details make an online brand's physical presence and the purchase terms relevant. Ask for the remainder immediately after the qualifying purchase and preserve the transaction record. The Department of Consumer Protection [\[S78\]](#article-source-78) provides the complaint route. Guidance stating $3 is outdated. Legal and consumer sources: Connecticut current §42-461 [\[S04\]](#article-source-4) · Connecticut DCP gift-card guidance [\[S79\]](#article-source-79) · Connecticut DCP complaints [\[S78\]](#article-source-78). ### Delaware **No general threshold identified.** Delaware: no general cash-out right identified. Its prominent gift-card provisions concern unclaimed property, including when value is presumed abandoned and which reporting exceptions apply. The statute's references to original $5 cards and aggregate reporting amounts are reporting rules, not consumer cash-redemption thresholds. [\[S36\]](#article-source-36) That distinction is particularly important when the issuer is a Delaware corporation. Incorporation there does not turn a small balance into an automatic nationwide refund claim. For a usable digital card, ask the issuer what its redemption contract permits and keep the answer. If the merchant has broken an express promise, the dispute should identify that promise rather than rely on an escheat provision. The Delaware Consumer Protection Unit [\[S80\]](#article-source-80) provides a complaint route. Unclaimed-property recovery, where applicable, is a separate process. Legal and consumer sources: Delaware official unclaimed-property statute [\[S36\]](#article-source-36) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) gift-card statutes survey, updated May 20, 2026 [\[S01\]](#article-source-1) · Delaware Consumer Protection Unit [\[S80\]](#article-source-80). ### Florida **No general threshold identified.** Florida prohibits certain expiration terms and post-sale charges on covered gift certificates and credit memos purchased or issued in the state. Its express reference to cash-out fees does not create a general obligation to cash out every small balance. The law distinguishes financial-institution or money-services-business cards usable at multiple unaffiliated merchants. [\[S37\]](#article-source-37) For a $1 or $2 digital balance, ask whether the issuer voluntarily returns the remainder or supports another method of spending it. If the issue is an unlawful fee or an unfulfilled refund promise, preserve the relevant terms and transaction history. The [Florida Department of Agriculture and Consumer Services](https://giftcard.news/organization/florida-department-of-agriculture-and-consumer-services/) [\[S81\]](#article-source-81) accepts complaints involving businesses, including industries it does not directly regulate. A complaint is not a substitute for establishing what the law or contract requires. Legal and consumer sources: Florida current2026 gift-certificate statute [\[S37\]](#article-source-37) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) gift-card statutes survey, updated May 20, 2026 [\[S01\]](#article-source-1) · Florida FDACS consumer complaints [\[S81\]](#article-source-81). ### Georgia **No general threshold identified.** Georgia's Attorney General explains that some cards return a small remainder in cash and urges consumers to ask about the redemption policy. That is a description of possible issuer terms, not a statewide $5 entitlement. Georgia's Gift Card Integrity Act instead emphasizes disclosure and honoring cards according to their terms. [\[S38\]](#article-source-38) The distinction matters when a customer-service page says cash redemption is available only where required by law. A Georgian consumer cannot treat another state's threshold as automatically applicable to that purchase. Ask the issuer to identify its actual policy for the card, including any electronic-card procedure, and retain a copy. If the issue involves misleading terms or failure to honor an express promise, the Consumer Protection Division [\[S82\]](#article-source-82) provides a complaint process. No general Georgia small-balance cash-out right was identified. Legal and consumer sources: Georgia Attorney General: Gift Cards [\[S38\]](#article-source-38) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) gift-card statutes survey, updated May 20, 2026 [\[S01\]](#article-source-1) · Georgia complaint procedure [\[S82\]](#article-source-82). ### Hawaii **< $5.** Hawaii requires the issuer of a covered retail gift certificate to exchange a remaining balance **below $5** for cash. A $4.99 balance passes that test; exactly $5 does not. The cash subsection itself does not require a new purchase or a sales receipt. The definition expressly includes electronic cards and other media, so a qualifying digital certificate is not excluded simply because it arrives by email. The statute is framed around retail issuers receiving full-value payment. Its exclusions include loyalty and promotional cards, certain reloadable products, telephone-only instruments and specified event or transit products. It should not be presented as a blanket ATM or bank-transfer right for [Visa](https://giftcard.news/company/visa/) or [Mastercard](https://giftcard.news/company/mastercard/) prepaid cards. Ask the retailer for redemption under §481B-13(c); retain the balance evidence and any refusal. Hawaii's Office of Consumer Protection accepts consumer complaints. Legal and consumer sources: Hawaii Revised Statutes §481B-13 [\[S05\]](#article-source-5) · Hawaii [DCCA](https://giftcard.news/organization/hawaii-department-of-commerce-and-consumer-affairs/) gift-card guidance [\[S83\]](#article-source-83) · Hawaii consumer complaints [\[S84\]](#article-source-84). ### Idaho **No general threshold identified.** Idaho's reviewed law does not supply a general dollar threshold at which a retail gift-card holder can demand cash. The relevant provision is part of the Revised Unclaimed Property Act. It defines qualifying gift cards as nonexpiring instruments whose value is reduced by purchases and which generally cannot be converted into money, then excludes them from the act's property category. That treatment concerns whether unused value is transferred to the state; it is not an instruction to a cashier to pay out the balance. A digital balance likewise does not become withdrawable merely because it is unused. Ask the issuer whether its terms permit a voluntary refund or another way of using the remainder. The [Idaho Attorney General](https://giftcard.news/organization/idaho-attorney-general/)'s consumer-protection service is the official complaint route for deceptive practices. The statutory basis is the 2025 text reproduced by [Justia](https://giftcard.news/company/justia/), cross-checked against the [National Conference of State Legislatures](https://giftcard.news/organization/national-conference-of-state-legislatures/)’ comparison. Legal and consumer sources: Idaho Code §14-5-102, statutory text reproduced by [Justia](https://giftcard.news/company/justia/) [\[S39\]](#article-source-39) · [Idaho Attorney General](https://giftcard.news/organization/idaho-attorney-general/) consumer protection [\[S85\]](#article-source-85). ### Illinois **No general threshold identified.** Illinois protects qualifying gift certificates against specified expiry, fees and reductions in value, but the reviewed §2SS does not establish a general small-balance cash-out threshold. Its definition specifically includes electronic gift cards, so digital delivery is relevant to coverage of those protections; it does not itself establish withdrawal rights. Certificates usable with multiple sellers and several other categories are excluded. There is a particularly easy reporting trap: **SB1757 proposes cash redemption**, but the checked legislative tracker lists it as pending, with a March 21, 2025 referral back to Senate Assignments. A proposal is not a present entitlement. Ask the issuing business whether it offers a voluntary refund and preserve the card's terms. For deceptive conduct, use the [Illinois Attorney General](https://giftcard.news/organization/illinois-attorney-general/)'s complaint service. The statutory basis is the 2025 text reproduced by [Justia](https://giftcard.news/company/justia/); the bill’s status is reported separately in the cited legislative record. Legal and consumer sources: 815 ILCS 505, including §2SS, reproduced statutory text [\[S40\]](#article-source-40) · Illinois SB1757 status, [LegiScan](https://giftcard.news/company/legiscan/) [\[S86\]](#article-source-86) · [Illinois Attorney General](https://giftcard.news/organization/illinois-attorney-general/) complaints [\[S87\]](#article-source-87). ### Indiana **No general threshold identified.** Indiana's reviewed framework does not give the holder of an ordinary retail gift card a general right to cash out a small remainder. The relevant statute defines gift cards within its unclaimed-property system and excludes qualifying cards from the property covered by that chapter. The definition contemplates instruments that generally cannot be converted into money. None of that supplies a $5 or $10 cashier-refund rule. The same distinction matters for an emailed code or a balance displayed in an app: electronic form does not create a withdrawal right. Consumers should check the issuer's own refund terms and request a voluntary payout where available. If the business misrepresented those terms or refuses an independently promised remedy, Indiana's Attorney General provides a consumer-complaint channel. The statutory basis is the 2025 text reproduced by [Justia](https://giftcard.news/company/justia/), cross-checked against the [National Conference of State Legislatures](https://giftcard.news/organization/national-conference-of-state-legislatures/)’ comparison. Legal and consumer sources: Indiana Code §32-34-1.5-3, reproduced statutory text [\[S41\]](#article-source-41) · [Indiana Attorney General](https://giftcard.news/organization/indiana-attorney-general/) consumer complaints [\[S88\]](#article-source-88). ### Iowa **No general threshold identified.** Iowa's gift-certificate provision regulates unused balances and certain charges; it does not tell merchants to exchange every remainder below a specified amount for cash. The 2026 Code addresses when balances are presumed abandoned and exempts qualifying merchandise-only certificates without expiry dates or fees from that treatment. Its definition expressly includes electronic gift cards. This is a useful distinction for someone finding an old digital card: continued validity, a possible unclaimed-property claim and a cashier cash-out are separate questions. Start with the issuer's balance record and refund terms, and ask whether it voluntarily returns small remainders. A refusal to provide a voluntary payout is not, by itself, a breach of a small-balance cash statute. Iowa's Attorney General accepts consumer complaints where the issue concerns deceptive conduct, misleading terms or another enforceable consumer right. Legal and consumer sources: Iowa Code 2026 §556.9 [\[S42\]](#article-source-42) · [Iowa Attorney General](https://giftcard.news/organization/iowa-attorney-general/) consumer complaints [\[S89\]](#article-source-89). ### Kansas **No general threshold identified.** Kansas offers one of the clearest answers in this group: its statute expressly says that a merchant is **not required to redeem a gift card or gift certificate for cash**. That is different from simply failing to find a threshold. The same section regulates expiry dates and fees and says certificates sold without an expiry date remain valid until redeemed or replaced. Those protections do not turn the balance into money payable on demand. The statute's definitions exclude prepaid bank cards, and certain free or discounted programmes have their own exceptions. A consumer can still ask a retailer to return a small remainder voluntarily; the law does not prohibit a helpful store policy. If there is a dispute over advertised promises or deceptive terms, use the [Kansas Attorney General](https://giftcard.news/organization/kansas-attorney-general/)'s consumer-protection complaint route. Legal and consumer sources: Kansas 2026 §50-6,108 [\[S43\]](#article-source-43) · [Kansas Attorney General](https://giftcard.news/organization/kansas-attorney-general/) consumer protection complaints [\[S90\]](#article-source-90). ### Kentucky **No general threshold identified.** Kentucky's §367.890 concerns gift-card definitions, expiry and charges that reduce redemption value. It supplies no general threshold requiring a merchant to pay out an ordinary remaining balance. The definition includes electronic cards and other media, but excludes general-use bank prepaid products, telephone cards and qualifying promotional instruments. An important distinction is the statutory remedy for unlawful charges: recovering value wrongly deducted is not the same thing as demanding cash for an otherwise valid $2 remainder. Keep the issuer's terms and ask about a voluntary refund if cash is the preferred outcome. Kentucky's Attorney General recommends taking consumer disputes to the business first and offers complaint and mediation requests when a problem is unresolved. An e-gift card's convenience therefore does not remove the need to identify which contractual or statutory remedy actually applies. Legal and consumer sources: Kentucky Revised Statutes §367.890 [\[S44\]](#article-source-44) · [Kentucky Attorney General](https://giftcard.news/organization/kentucky-attorney-general/) consumer complaints [\[S91\]](#article-source-91). ### Louisiana **No general threshold identified.** Louisiana's gift-certificate statute protects qualifying cards through expiry and fee rules; it does not provide a general right to cash out a remainder below $1, $5 or another amount. The definition includes electronic cards and merchandise credits, while its opening description concerns certificates used in place of cash for goods or services. A card without an expiry date remains valid until redeemed or replaced, which is a spending protection rather than a cash-withdrawal promise. Exclusions include qualifying promotional programmes, certain charitable instruments and general-use prepaid cards issued by federally insured depository institutions. Ask the issuer whether its terms offer a voluntary refund. Where the dispute instead concerns an unlawful charge, a false promise or other unfair practice, Louisiana's Attorney General provides an online or printable consumer-dispute process. The agency does not guarantee individual recovery. Legal and consumer sources: Louisiana Revised Statutes §51:1423 [\[S45\]](#article-source-45) · [Louisiana Attorney General](https://giftcard.news/organization/louisiana-attorney-general/) consumer disputes [\[S92\]](#article-source-92). ### Maine **< $5.** Maine's rule is narrower than the shorthand “under $5” suggests. The consumer must redeem a qualifying gift obligation **in person**, have less than $5 remaining afterward, and request cash from the merchant handling the redemption. Instruments originally worth $5 or less are excluded. Thus a $20 certificate reduced to $3 during an in-person purchase fits the amount conditions; an originally $3 certificate does not. The definition of gift obligation also matters: it describes a bearer instrument not linked to an account holder or individual and excludes account credits and balances, even when funded with a gift obligation. A digital record can qualify, but an app balance is not automatically covered, and the law does not promise a universal online payout. Cite current §2067(6), not the repealed §1953 often repeated online. Maine's Attorney General offers consumer-complaint mediation. Legal and consumer sources: Maine §2067 current cash redemption rule [\[S06\]](#article-source-6) · Maine §2052 definitions [\[S20\]](#article-source-20) · Maine consumer complaints and mediation [\[S93\]](#article-source-93). ### Maryland **No general threshold identified.** Maryland's reviewed gift-certificate statute regulates expiry, charges and changes to disclosed terms. It contains no general rule requiring cash payment when a balance falls below a certain amount. Its coverage includes store credit for returned goods, but excludes qualifying free promotional awards and national-network cards usable across unaffiliated sellers. Having protection against a fee or an early expiry therefore does not establish a right to withdraw $2 from a retail card. For digital products, first identify the actual instrument and issuer rather than assuming every balance in a wallet receives the same treatment. Ask the business about its voluntary refund policy, and document any promise it made. The [Maryland Attorney General](https://giftcard.news/organization/maryland-attorney-general/)'s business-complaint service is available for consumer disputes. A complaint can address deceptive terms or another legal violation; it does not manufacture a cash-out entitlement absent a supporting rule. Legal and consumer sources: Maryland Commercial Law §14-1319 [\[S46\]](#article-source-46) · [Maryland Attorney General](https://giftcard.news/organization/maryland-attorney-general/) business complaints [\[S94\]](#article-source-94). ### Massachusetts **≥90% used / reloadable ≤ $5.** Massachusetts requires two different calculations. For a nonreloadable gift certificate, a purchaser or holder who has redeemed at least 90% of its face value may choose cash for the remainder. That is a percentage test, with no fixed dollar ceiling: spending $90 from a $100 card leaves an eligible $10\. For a reloadable card, the card must have been partly redeemed and the remaining value must be $5 or less. Exactly $5 qualifies under that second rule. The definition includes electronic cards and other media, but excludes electronic cards usable with multiple unaffiliated sellers and prepaid calling arrangements. Keep the original value and spending history: they establish the percentage calculation. The cited provision does not expressly demand an original paper receipt. Request cash from the issuer and retain a written refusal if escalating to the Attorney General. Legal and consumer sources: Massachusetts cash-redemption statute [\[S07\]](#article-source-7) · Massachusetts gift-certificate definition [\[S95\]](#article-source-95). ### Michigan **No general threshold identified.** Michigan gives consumers a useful way to spend a small balance, but the reviewed provisions do not establish a general right to demand cash. Section 445.903e makes it unlawful to refuse an eligible gift certificate merely because its value is lower than the price of the purchase. A customer with $2 remaining can therefore ask the merchant to apply that value and arrange payment of the difference. That protection should not be described as a $2 refund entitlement. The Attorney General's guide discusses virtual and mobile gift cards as well as conventional formats, while distinguishing general-use bank cards. Financial-institution cards and several promotional or specialized products have different treatment. Request a voluntary refund separately if desired. A complaint to [Michigan's Attorney General](https://giftcard.news/organization/michigan-attorney-general/) should identify the specific refusal, fees, or expiration issue, rather than assume every leftover balance must be returned. Legal and consumer sources: [Michigan Attorney General](https://giftcard.news/organization/michigan-attorney-general/) gift-card guide [\[S47\]](#article-source-47) · MCL 445.903e — statutory text mirror [\[S96\]](#article-source-96) · MCL 445.903f — statutory text mirror [\[S97\]](#article-source-97) · MCL 445.903g — statutory text mirror [\[S98\]](#article-source-98). _Source basis: The legal discussion uses the 2025 statutory reproduction published by_ [_Justia_](https://giftcard.news/company/justia/) _and the_ [_Michigan Attorney General_](https://giftcard.news/organization/michigan-attorney-general/)_’s December 2025 gift-card guide._ ### Minnesota **No general threshold identified.** Minnesota's gift-certificate law protects covered value primarily through restrictions on expiration and service fees. It does not contain a general rule requiring a merchant to exchange a small remainder for cash. A $1, $2, or $3 balance therefore does not, by itself, create the statutory refund claim familiar in some other states. The Attorney General explains that consumers need to distinguish merchant gift cards from bank-issued products and promotional offers; exemptions matter more than whether a code appears on a screen. Ask the retailer whether it voluntarily refunds small balances or permits the remainder to be used toward another purchase. Keep the terms and balance record if the dispute instead concerns an unlawful charge or expiration. Minnesota's Attorney General accepts consumer complaints and may seek informal resolution, but that process should not be presented as an automatic cash-out service. Legal and consumer sources: Minnesota gift-certificate statute [\[S48\]](#article-source-48) · [Minnesota Attorney General](https://giftcard.news/organization/minnesota-attorney-general/) guide [\[S99\]](#article-source-99). ### Mississippi **No general threshold identified.** No general Mississippi requirement to cash out a small merchant gift-card balance was identified in the materials reviewed. The state's unclaimed-property framework is a different mechanism: statutory definitions include gift certificates among intangible property, and the Treasury administers property reported by businesses. That does not mean a cashier must return a $2 remainder on demand. Consumers should first check the merchant's own refund policy and ask whether the balance can be applied to a purchase. If an old balance has actually been transferred to the state, recovery follows the Treasury's ownership-verification process instead. The distinction is especially important for digital cards, where an account balance and a state-held property claim are different records. The Attorney General's consumer-protection channel can address a disputed practice. The finding draws on the 2025 statutory reproduction, [Mississippi State Treasury](https://giftcard.news/organization/mississippi-state-treasury/) guidance and the [National Conference of State Legislatures](https://giftcard.news/organization/national-conference-of-state-legislatures/)’ comparison. The separate 2026 SB 2714 legislative record [\[S100\]](#article-source-100) records the bill as dead; it is not treated as an enacted change. Legal and consumer sources: Mississippi Treasury unclaimed-property reporting [\[S49\]](#article-source-49) · Mississippi §89-12-3 — statutory text mirror [\[S101\]](#article-source-101) · Mississippi §89-12-15 — statutory text mirror [\[S102\]](#article-source-102) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) state gift-card laws comparison, May 20, 2026 [\[S01\]](#article-source-1). ### Missouri **No general threshold identified.** Missouri's relevant gift-certificate provision concerns unclaimed property, not a cashier's obligation to refund a small balance. Section 447.505 discusses certificates and credits redeemable only in merchandise and provides for reporting at 60% of face value. Crucially, it also says the State Treasurer reimburses the owner at full face value. Neither figure creates a right to ask a merchant for 60% or 100% of a live $3 gift-card balance on demand. No general low-balance merchant cash-out threshold was identified in the reviewed law. Ask about the retailer's voluntary refund policy or available methods of spending the remainder. For an old balance that has actually reached the state's unclaimed-property system, follow the Treasurer's claims process instead. Preserve the digital card identifier, original terms, and balance evidence for either route, and direct consumer-practice complaints to Missouri's Attorney General. Legal and consumer sources: Missouri gift-certificate unclaimed-property provision [\[S50\]](#article-source-50) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) state gift-card laws comparison, May 20, 2026 [\[S01\]](#article-source-1). ### Montana **< $5.** Montana uses two strict tests. The card's original value must have been more than $5, and its remaining value must be less than $5\. When both conditions are met, the holder can request cash from the issuer or seller. Thus a $10 card reduced to $4.99 qualifies, while a card with exactly $5 left does not. A card originally issued for exactly $5 also falls outside this particular entitlement, even after a purchase leaves only a few cents. The statutory definition includes electronic storage, so a qualifying digital merchant card is not excluded simply because it lacks plastic. Cards usable with multiple sellers and certain promotional or specialized instruments are excluded. Save evidence of the original denomination as well as the current balance. If an eligible request is refused, contact Montana's Office of Consumer Protection. Legal and consumer sources: Montana cash redemption law [\[S08\]](#article-source-8) · Montana gift-certificate definition [\[S103\]](#article-source-103). ### Nebraska **No general threshold identified.** Nebraska's gift-certificate provision does not establish a general right to turn a small balance into cash. Its main concerns are abandoned property and disclosures: among other distinctions, it treats cards without expiration dates or balance-reducing charges differently from certain other certificates. Those rules do not make a $1 remainder immediately payable by a merchant, and an abandonment period is not permission to disregard federal expiration protections. General-use prepaid cards are excluded from this particular Nebraska section, so its wording should not be transferred wholesale to [Visa](https://giftcard.news/company/visa/) or [Mastercard](https://giftcard.news/company/mastercard/) products. For a live merchant e-gift card, ask about a voluntary refund or using the balance toward a larger purchase. Keep the purchase record and relevant terms. Nebraska's consumer complaint process asks the consumer to try resolving the matter with the business first; it does not itself create a low-balance cash entitlement. Legal and consumer sources: Nebraska gift-certificate statute [\[S51\]](#article-source-51) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) state gift-card laws comparison, May 20, 2026 [\[S01\]](#article-source-1). ### Nevada **No general threshold identified.** Nevada's gift-certificate consumer-protection provision regulates disclosure and charges, but it does not supply a general dollar threshold below which the merchant must pay cash. A residual $3 or 50 cents should therefore be treated as spendable value subject to applicable terms and protections, rather than automatically as a statutory cash refund. The law's definition of a record expressly accommodates information stored electronically, so the analysis is not limited to plastic cards. However, exclusions and special treatment for multiple-merchant instruments, promotional cards, certain discounted programs, and some gaming-related products prevent a single rule from covering every product called a gift card. Ask the issuer whether it offers a voluntary refund or another way to exhaust the balance. If the dispute concerns misleading terms or prohibited charges, keep the disclosure and transaction history when contacting Nevada Consumer Affairs. Legal and consumer sources: Nevada gift-certificate consumer-protection law [\[S52\]](#article-source-52) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) state gift-card laws comparison, May 20, 2026 [\[S01\]](#article-source-1). ### New Hampshire **No general threshold identified.** New Hampshire is an easy state to mislabel on a cash-out map. Its gift-certificate provision prohibits expiration for certificates with a face value of $250 or less and restricts administrative fees. The $250 figure is not a promise that consumers can exchange that much gift-card value for cash. The current chapter reviewed contains no general small-balance cash-out requirement, and its 2026 amendment concerns an unrelated balance-billing provision. The definition of a gift certificate is broad rather than tied to a plastic medium, but regulated banking transactions and season passes require separate treatment. For a few dollars left on a merchant e-gift card, ask about the issuer's voluntary refund policy or how to apply the value to a purchase. Keep a record of the terms and balance. Complaints about a covered unfair practice can go to the New Hampshire Department of Justice. Legal and consumer sources: New Hampshire prohibited practices, current section [\[S53\]](#article-source-53) · New Hampshire Consumer Protection Act, full chapter [\[S104\]](#article-source-104) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) state gift-card laws comparison, May 20, 2026 [\[S01\]](#article-source-1). ### New Jersey **< $5.** New Jersey requires a covered card's remaining balance to be refunded on request when it falls below $5 after redemption. Exactly $5 does not qualify. The rule has operated since September 1, 2012, and expressly excludes nonreloadable cards that started at $5 or less. Other exclusions cover unpurchased return credits, network or unaffiliated-multi-merchant cards, rewards, certain charitable programs, and specified event or venue products. Electronic gift cards are included within the stored-value definition; being virtual is not itself an exemption. Ask the merchant or entity redeeming the card for the remainder. The law does not require merchants to advertise this right, so silence on a balance screen proves little. A qualifying refusal can be reported to the Division of Consumer Affairs. Although the law provides a $500 administrative penalty plus restitution, that penalty is not a $500 payment promised to the consumer. Legal and consumer sources: New Jersey 2012 cash-redemption enactment [\[S09\]](#article-source-9) · New Jersey stored-value definition including electronic gift cards [\[S105\]](#article-source-105) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) state gift-card laws comparison, May 20, 2026 [\[S01\]](#article-source-1). ### New Mexico **No general threshold identified.** New Mexico’s gift-certificate law protects spending value without creating a general right to withdraw a small remainder. Its definition expressly concerns certificates that are not redeemable in cash and includes electronic cards and merchandise credits. The section addresses expiration and fees; it supplies no dollar threshold at which a merchant must pay cash. Free promotional and reward cards, specified discounted certificates, multimerchant products and cards issued by specified financial institutions fall outside this section. [\[S54\]](#article-source-54) For a $1 or $2 digital balance, start with the merchant’s published refund or split-payment policy. A voluntary accommodation is different from a statutory cash-out entitlement. If the problem concerns an unlawful deduction or misleading promise, retain the terms, balance evidence and correspondence and use the [New Mexico Department of Justice](https://giftcard.news/organization/new-mexico-department-of-justice/) complaint route [\[S106\]](#article-source-106). Legal and consumer sources: New Mexico §57-12-26 (statutory text, [Justia](https://giftcard.news/company/justia/)) [\[S54\]](#article-source-54) · NMDOJ complaints [\[S106\]](#article-source-106). _Source basis: The statutory text is the 2025 reproduction published by_ [_Justia_](https://giftcard.news/company/justia/)_._ ### New York **< $5.** New York permits cash redemption on request when an eligible gift certificate has a remaining value **below $5**. Exactly $5 is outside that threshold. The provision expressly excludes open-loop certificates and promotional certificates; electronic merchant cards are within the broader statutory definition. A virtual [Visa](https://giftcard.news/company/visa/) or [Mastercard](https://giftcard.news/company/mastercard/) gift card therefore should not be treated as eligible merely because its balance is small. [\[S10\]](#article-source-10) The amendment took effect on **December 10, 2022**, one year after enactment. Preserve the purchase or issue date when asking about an older card; the enacted text’s effective-date clause does not itself establish that every earlier card is ineligible. Enacted bill [\[S107\]](#article-source-107). Ask the merchant to process a statutory balance redemption, then retain its response if escalating through the state consumer complaint service [\[S108\]](#article-source-108). Legal and consumer sources: New York GBL §396-i [\[S10\]](#article-source-10) · Enacted S3467B and effective date [\[S107\]](#article-source-107) · New York consumer complaint [\[S108\]](#article-source-108). ### North Carolina **No general threshold identified.** North Carolina’s reviewed gift-card statute supplies maintenance-fee protections, rather than a general cash-out right for the final few dollars. Sellers must disclose maintenance charges and cannot impose them during the first year after purchase. That protection should not be confused with a requirement to refund a $1, $2 or $5 balance. Financial-institution cards usable across unaffiliated sellers are excluded from this state section. [\[S55\]](#article-source-55) A digital-card holder can ask the merchant about voluntary redemption or spending the remainder alongside another payment method. If the business has misrepresented its terms or assessed a prohibited fee, preserve the card record and correspondence. The [North Carolina Department of Justice](https://giftcard.news/organization/north-carolina-department-of-justice/) complaint process [\[S109\]](#article-source-109) offers mediation and enforcement intake; filing does not itself guarantee an individual cash refund. Legal and consumer sources: NC enacted gift-card law [\[S55\]](#article-source-55) · Current statutory citation [\[S110\]](#article-source-110) · NCDOJ complaint [\[S109\]](#article-source-109). ### North Dakota **No general threshold identified.** North Dakota expressly includes electronic gift cards and online gift accounts in its gift-certificate framework. That does not make their balances withdrawable: Chapter 51-29 regulates expiration and maintenance fees, but contains no general small-balance cash-out threshold. It excludes general-use prepaid products and deposit-linked debit cards, while free awards, loyalty and promotional certificates receive separate treatment. [\[S56\]](#article-source-56) A small digital remainder can therefore depend on the merchant’s refund policy or ability to accept a split payment. Ask for a written response if the business rejects a request it previously promised to honor. The Attorney General’s consumer complaint service [\[S111\]](#article-source-111) accepts qualifying resident complaints and disputes involving North Dakota businesses, and may seek a mediated resolution. Its role is distinct from automatically converting every unspent card balance into cash. Legal and consumer sources: North Dakota Chapter51-29 [\[S56\]](#article-source-56) · North Dakota consumer complaints [\[S111\]](#article-source-111). ### Ohio **No general threshold identified.** Ohio’s gift-card statute does not establish a general right to exchange the final few dollars for cash. It addresses expiration dates and balance-reducing fees and includes a remedy for prohibited fee deductions. Electronic cards are covered by its definition, but several categories—including multimerchant cards and specified promotional, employer and charitable products—are excluded from the section’s principal protections. [\[S57\]](#article-source-57) The practical distinction is between asking a merchant to cash out a valid remainder and seeking restoration of money removed unlawfully. The second issue may have a legal remedy even where the first request is discretionary. For a digital balance, save the displayed amount and relevant terms before contacting support. Unresolved misleading practices or prohibited deductions can be reported through the [Ohio Attorney General](https://giftcard.news/organization/ohio-attorney-general/)’s complaint service [\[S112\]](#article-source-112). Legal and consumer sources: Ohio authenticated §1349.61 [\[S57\]](#article-source-57) · Ohio consumer complaint [\[S112\]](#article-source-112). ### Oklahoma **No general threshold identified.** Oklahoma’s **$5 figure is not a cash-out threshold**. It appears among conditions for a narrow dormancy-fee rule. A separate provision says the statute’s trust-property treatment does not require issuers to redeem gift cards for cash unless another law requires it. There is, however, a different refund rule: contributors to certain group-gift arrangements receive their contributions back if the recipient does not use them to purchase a card within the disclosed period. That is not the same transaction as withdrawing a remaining card balance. [\[S58\]](#article-source-58) For an already loaded digital card, request the merchant’s voluntary redemption policy. Where the dispute instead concerns an uncompleted group gift or misleading terms, retain the underlying records and use the [Oklahoma Attorney General](https://giftcard.news/organization/oklahoma-attorney-general/)’s Consumer Protection Unit [\[S113\]](#article-source-113). Legal and consumer sources: Oklahoma Title15 official compilation, pp200–203 [\[S58\]](#article-source-58) · Oklahoma consumer complaints [\[S113\]](#article-source-113). ### Oregon **< $5.** Oregon gives a cardholder a cash-redemption option once a qualifying card has been used for at least one purchase and its balance has fallen **below $5**. Exactly $5 does not satisfy the statutory language. Payment may be money or a check, and the request belongs with the provider of goods or services named on the card, even if another business originally sold it. [\[S11\]](#article-source-11) For digital users, the critical exclusion concerns cards **redeemed to an online account**, rather than every electronic card. Multiseller cards, specified telecom cards and free or discounted promotional/donation cards are also excluded. The DOJ overview uses looser wording about both the threshold and online cards; this guide follows the statute. Retain the prior-purchase record and balance screenshot when requesting redemption or filing an Oregon DOJ complaint [\[S114\]](#article-source-114). Legal and consumer sources: Oregon official gift-card law [\[S11\]](#article-source-11) · Oregon DOJ gift-card guidance [\[S115\]](#article-source-115) · Oregon consumer complaints [\[S114\]](#article-source-114). ### Pennsylvania **No general threshold identified.** Pennsylvania’s reviewed framework does not provide a general small-balance threshold requiring a merchant to cash out an ordinary gift card. Its unclaimed-property rules concern a different stage: whether certain unredeemed funds eventually become reportable to the state. Qualified gift certificates receive different treatment, so an unused card does not automatically mean that Treasury is holding its balance. [\[S59\]](#article-source-59) For an active digital card, begin with the merchant’s policy and ask about applying the remainder alongside another payment method. For older funds that may have been remitted, consult the [Pennsylvania Treasury](https://giftcard.news/organization/pennsylvania-treasury/) claim portal [\[S116\]](#article-source-116). Those are separate recovery routes. If the business refuses a promised refund or misrepresents its terms, keep your records and escalate through the [Pennsylvania Attorney General](https://giftcard.news/organization/pennsylvania-attorney-general/)’s consumer complaint service [\[S117\]](#article-source-117). Legal and consumer sources: Pennsylvania §1301.6 statutory text [\[S59\]](#article-source-59) · [Pennsylvania Treasury](https://giftcard.news/organization/pennsylvania-treasury/) claims [\[S116\]](#article-source-116) · PA consumer complaints [\[S117\]](#article-source-117). _Source basis: The statutory text is the_ [_FindLaw_](https://giftcard.news/company/findlaw/) _reproduction current to January 1, 2026, read alongside_ [_Pennsylvania Treasury_](https://giftcard.news/organization/pennsylvania-treasury/) _guidance._ ### Rhode Island **< $1 — qualified wording.** Rhode Island mentions cash when the unused portion of a redeemed gift certificate is **below $1**. Its drafting deserves care: it describes returning the remainder by reissuing the certificate or providing cash below that amount. Unlike clearer consumer-election provisions elsewhere, it does not expressly assign that choice to the holder. This guide therefore marks the rule as qualified rather than promising an unconditional cash demand. Exactly $1 does not meet the stated cash threshold. [\[S12\]](#article-source-12) Electronic cards are included, but free promotional/reward products and specified wireless, financial-institution and multimerchant cards are excluded. Ask the merchant to cash out a qualifying remainder; if it offers replacement value instead, retain the response and seek clarification through the [Rhode Island Attorney General](https://giftcard.news/organization/rhode-island-attorney-general/)’s consumer complaint route [\[S118\]](#article-source-118). Legal and consumer sources: Rhode Island official §6-13-12 [\[S12\]](#article-source-12) · Rhode Island consumer complaint [\[S118\]](#article-source-118). ### South Carolina **No general threshold identified.** South Carolina’s gift-certificate statute regulates expiration and disclosure of conditions that reduce value or impose fees. It does not establish a general rule requiring cash payment of a $1, $2 or $5 remainder. Where a reduction condition was not properly disclosed, the section protects redemption for the original value less spending; that wording should not be turned into a promise of cash. [\[S60\]](#article-source-60) For an ordinary digital merchant card, the immediate options are the merchant’s voluntary redemption policy and any supported split-payment arrangement. Preserve the original terms and current balance if the dispute concerns a deduction or a refund promise. The [South Carolina Department of Consumer Affairs](https://giftcard.news/organization/south-carolina-department-of-consumer-affairs/) [\[S119\]](#article-source-119) provides a complaint route. A lack of a general cash-out threshold does not eliminate other consumer protections or a retailer’s more generous contractual policy. Legal and consumer sources: South Carolina official §39-1-55 [\[S60\]](#article-source-60) · South Carolina consumer complaints [\[S119\]](#article-source-119). ### South Dakota **No general threshold identified.** South Dakota has no general small-balance cash-out requirement identified in the reviewed sources. Its Attorney General’s gift-card guide [\[S61\]](#article-source-61) distinguishes store cards, network cards and reloadable prepaid products, and focuses on use restrictions and fees. It does not establish a dollar threshold that turns a retail balance into cash. The state’s gift-card provisions in the [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) survey [\[S01\]](#article-source-1) concern unclaimed property, including exemptions for certain cards. Those exemptions do not require a shop to hand over a remaining balance on request. For an ordinary digital card, the practical starting point is therefore the issuer’s refund policy. Keep the purchase confirmation and current balance, and ask whether a voluntary refund or another permitted use is available. A false promise or unexplained deduction is a different issue from a refused voluntary cash-out; report that problem through South Dakota Consumer Protection [\[S120\]](#article-source-120). Legal and consumer sources: [South Dakota Attorney General](https://giftcard.news/organization/south-dakota-attorney-general/): Gift Cards & Gift Certificates [\[S61\]](#article-source-61) · South Dakota consumer complaint form [\[S120\]](#article-source-120) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) state law survey [\[S01\]](#article-source-1) · SDCL §43-41B-43 [\[S121\]](#article-source-121). _Source basis: The classification draws on the_ [_South Dakota Attorney General_](https://giftcard.news/organization/south-dakota-attorney-general/)_’s guidance and the_ [_National Conference of State Legislatures_](https://giftcard.news/organization/national-conference-of-state-legislatures/)_’ state comparison._ ### Tennessee **No general threshold identified.** Tennessee’s gift-certificate section [\[S62\]](#article-source-62) regulates validity and fees, but does not establish a general right to cash out the last dollar or two. A card sold without an expiry date remains valid until redeemed or replaced under that section. That protection preserves spending value; it does not by itself convert the balance into a cash debt payable at a checkout. The section treats multi-merchant prepaid cards differently from store certificates, and contains exceptions for several reward, employment and fundraising arrangements. A digital format alone is not evidence of a cash-redemption right. Start with the merchant’s published terms, and distinguish a discretionary refund request from an alleged broken promise. The [Tennessee Attorney General](https://giftcard.news/organization/tennessee-attorney-general/)’s complaint procedure [\[S122\]](#article-source-122) provides a route for consumer disputes; retain the card confirmation, remaining balance and correspondence. The absence of a cash-out threshold does not erase other consumer protections. Legal and consumer sources: Tennessee Code §47-18-127, reproduced by [Justia](https://giftcard.news/company/justia/) [\[S62\]](#article-source-62) · [Tennessee Attorney General](https://giftcard.news/organization/tennessee-attorney-general/) consumer laws [\[S123\]](#article-source-123) · Tennessee consumer complaint procedure [\[S122\]](#article-source-122) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) state law survey [\[S01\]](#article-source-1). _Source basis: The statutory text is the 2025 reproduction published by_ [_Justia_](https://giftcard.news/company/justia/)_, cross-checked against the_ [_National Conference of State Legislatures_](https://giftcard.news/organization/national-conference-of-state-legislatures/)_’ comparison._ ### Texas **< $2.50.** Texas requires a cash refund on request when an **in-person purchase** leaves **less than $2.50** on an eligible card. Exactly $2.50 does not qualify. The statute [\[S13\]](#article-source-13) excludes a card whose initial value was $5 or less **and** which cannot be reloaded. It also excludes specified bank-issued, airline, calling and unpaid reward cards, and merchandise-return credit issued without a receipt. This makes Texas particularly important for digital-card users: electronic delivery does not remove the in-person purchase condition. The provision does not create an equivalent automatic online checkout refund. Ask the seller for the remaining cash at the qualifying transaction and keep the receipt. The rule took effect September 1, 2015 [\[S124\]](#article-source-124). For an unresolved dispute, the [Texas Attorney General](https://giftcard.news/organization/texas-attorney-general/) [\[S125\]](#article-source-125) accepts complaints, though filing is not a guarantee of individual recovery. Legal and consumer sources: Texas Business & Commerce Code ch.604 [\[S13\]](#article-source-13) · Texas HB2391 enrolled act, effective date [\[S124\]](#article-source-124) · Texas consumer complaint procedure [\[S125\]](#article-source-125). ### Utah **No general threshold identified.** Utah’s reviewed law creates no general right to cash out a small gift-card remainder. Its Consumer Sales Practices Act [\[S63\]](#article-source-63) instead addresses readable disclosures of expiry dates and fees. Within the section’s scope, a certificate without the required expiry disclosure does not expire; a fee lacking the prescribed disclosure cannot simply be deducted. Those protections concern the continued value of the instrument, not an automatic conversion into cash. An electronic balance should therefore be assessed through the issuer’s terms and the applicable disclosure rules. Ask whether the merchant voluntarily returns small remainders, permits partial payment, or supports another practical use of the balance. If the problem is an undisclosed charge or misleading statement, retain the relevant screen and transaction record. The [Utah Division of Consumer Protection](https://giftcard.news/organization/utah-division-of-consumer-protection/) complaint portal [\[S126\]](#article-source-126) is the official escalation route. A refused discretionary cash-out and an unlawful deduction are different complaints. Legal and consumer sources: Utah Consumer Sales Practices Act, current official chapter PDF [\[S63\]](#article-source-63) · Utah consumer complaint portal [\[S126\]](#article-source-126) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) state law survey [\[S01\]](#article-source-1). ### Vermont **< $1.** Vermont draws its ordinary threshold at **less than $1**, payable in cash on the holder’s demand. A balance of $0.99 qualifies; exactly $1 does not. Its gift-certificate chapter [\[S14\]](#article-source-14) expressly includes electronic gift cards and separately requires disclosure of the remaining balance on request. Specified promotional, charitable, telephone, seasonal-recreation and payroll products are excepted. There is also a different recovery route: after an eligible certificate expires, the unused **paid value** must be returned on request under §2702\. That provision should not be confused with the sub-$1 cash rule or extended to excluded promotional value. Ask the issuer which provision applies and preserve the amount paid and any expiry notice. The Consumer Assistance Program [\[S127\]](#article-source-127), run with the [Vermont Attorney General](https://giftcard.news/organization/vermont-attorney-general/), helps with consumer disputes. Unlike several states, this chapter does not list a blanket exclusion for all bank-issued gift cards; that is not a guarantee that every bank product qualifies. Legal and consumer sources: Vermont gift certificates chapter [\[S14\]](#article-source-14) · Vermont cash-redemption section [\[S128\]](#article-source-128) · Vermont Consumer Assistance Program [\[S127\]](#article-source-127) · Vermont AG complaint form [\[S129\]](#article-source-129). ### Virginia **No general threshold identified.** Virginia has no general small-balance cash-out mandate in the current gift-certificate chapter [\[S64\]](#article-source-64). The chapter covers electronic cards and general-use prepaid cards, requires specified disclosures and restricts certain fees. None of those provisions creates a right to demand cash merely because a balance is low. A 2026 proposal helps explain potentially confusing search results. **HB1431** would have required redemption of balances below $10, but the legislative record [\[S130\]](#article-source-130) shows it was left in the House Labor and Commerce Committee on February 18\. An introduced bill is not an operative consumer right. Ask the issuer for its voluntary policy and retain the balance record and terms. For misleading conduct or an unresolved dispute, the [Virginia Attorney General](https://giftcard.news/organization/virginia-attorney-general/)’s complaint process [\[S131\]](#article-source-131) offers an official route, including voluntary dispute resolution where appropriate. The merchant’s agreement to pay is distinct from a statutory cash-out threshold. Legal and consumer sources: Current Virginia gift certificate law [\[S64\]](#article-source-64) · 2026 HB1431 legislative status, [LegiScan](https://giftcard.news/company/legiscan/) [\[S130\]](#article-source-130) · Official HB1431 introduced text [\[S132\]](#article-source-132) · Virginia AG consumer complaint [\[S131\]](#article-source-131). ### Washington **< $5.** Washington requires cash on demand when a purchase leaves **less than $5** on a covered gift certificate. Exactly $5 is outside this trigger. For a larger remainder, the issuer can retain the value on a certificate instead of paying cash. The statutory chapter [\[S15\]](#article-source-15) excludes specified financial-institution cards usable at multiple unaffiliated sellers, so a [Visa](https://giftcard.news/company/visa/) or [Mastercard](https://giftcard.news/company/mastercard/) gift product cannot automatically claim the retail-card rule. The rewards provision also deserves care: it permits an expiry date for certain awards or loyalty certificates; it is not worded as a blanket exclusion from every protection. Eligibility still depends on the actual instrument. Ask the issuer for cash after the qualifying purchase, keep the balance record, and identify RCW 19.240.020(3) [\[S133\]](#article-source-133) if staff misunderstand the threshold. The wording does not impose Texas’s express in-person purchase condition, but it does require a purchase leaving the low balance. Legal and consumer sources: Washington gift certificate chapter [\[S15\]](#article-source-15) · Washington cash-redemption provision [\[S133\]](#article-source-133) · Washington AG complaint route [\[S134\]](#article-source-134). ### West Virginia **No general threshold identified.** No general small-balance cash-out mandate was identified for West Virginia. A shopper with $2 left on a digital store card should begin with the issuer’s refund policy rather than assume a statutory payout threshold. The state’s gift-certificate provision [\[S65\]](#article-source-65) sits in its unclaimed-property law. It addresses abandonment after a specified period and includes a 60% valuation rule for merchandise-only certificates. That is not an offer to cash out any card for 60% today. This distinction matters when a search for “gift-card law” returns an escheat statute instead of a consumer redemption rule. If an issuer promises a refund and fails to deliver, or gives misleading information about the balance, retain the correspondence. The [West Virginia Attorney General](https://giftcard.news/organization/west-virginia-attorney-general/) [\[S135\]](#article-source-135) accepts complaints and describes a voluntary mediation process. A complaint may resolve disputed conduct; it does not create a small-balance right absent from the governing law. Legal and consumer sources: West Virginia gift-certificate abandonment provision [\[S65\]](#article-source-65) · West Virginia statutory definitions [\[S136\]](#article-source-136) · WV consumer complaint procedure [\[S135\]](#article-source-135) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) state law survey [\[S01\]](#article-source-1). ### Wisconsin **No general threshold identified.** Wisconsin’s consumer-protection agency [\[S66\]](#article-source-66) expressly says that Wisconsin does not regulate the sale of gift cards and directs readers to federal protections. No state small-balance cash-out requirement was identified. The distinction is practical: restrictions on expiry and inactivity fees do not mean a retailer must pay out the last few dollars. The agency recommends contacting the issuer when there is a problem and keeping receipts until the value is used. Its guidance covers printed and electronic certificates as well as retailer and bank gift cards, but those products do not acquire a common cash-out entitlement simply because all are described as gifts. Ask the issuer about a voluntary refund and any permitted partial-payment option. For disputed conduct, [DATCP](https://giftcard.news/organization/wisconsin-department-of-agriculture-trade-and-consumer-protection/)’s complaint service [\[S137\]](#article-source-137) can contact a business, though it cannot force a resolution. The gift-card guide also identifies federal complaint routes for retailer and bank products. Legal and consumer sources: Wisconsin [DATCP](https://giftcard.news/organization/wisconsin-department-of-agriculture-trade-and-consumer-protection/) gift-card guidance [\[S66\]](#article-source-66) · Wisconsin [DATCP](https://giftcard.news/organization/wisconsin-department-of-agriculture-trade-and-consumer-protection/) consumer complaint procedure [\[S137\]](#article-source-137). ### Wyoming **No general threshold identified.** Wyoming has no general small-balance cash-out mandate identified in this review. Its gift-certificate statute [\[S67\]](#article-source-67) is an unclaimed-property provision: certain balances **greater than $100**, unredeemed for more than five years after the relevant activity date, may be presumed abandoned. Other qualifying cards are exempt. Neither the $100 figure nor the five-year period is a rule allowing shoppers to demand cash at a store. For a live digital balance, ask the issuing merchant about its voluntary redemption policy and preserve the purchase confirmation. If the problem involves an allegedly deceptive promise or unauthorized deduction, the [Wyoming Attorney General](https://giftcard.news/organization/wyoming-attorney-general/)’s complaint procedure [\[S138\]](#article-source-138) recommends trying to resolve the issue directly first and then supplying supporting documents. Its office reviews consumer complaints but does not act as the customer’s private lawyer. Money already transferred to state custody requires a different unclaimed-property claim, not a low-balance checkout request. Legal and consumer sources: Wyoming official Title34, §34-24-114 at printed pages180–181 [\[S67\]](#article-source-67) · Wyoming AG consumer complaint procedure [\[S138\]](#article-source-138) · [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/) state law survey [\[S01\]](#article-source-1). ### District of Columbia No general small-balance cash-out threshold was identified in the current D.C. provisions reviewed. The District’s gift-card abandonment rule uses a five-year period measured from the later of purchase or most recent use, subject to the linked chapter. That is an unclaimed-property rule, not an immediate redemption threshold. The older §41-101 chapter was repealed in 2021; current citations should use the replacement framework. [\[S139\]](#article-source-139); [\[S140\]](#article-source-140) ## Research method and limits The legal review draws on state statutes, enacted laws, attorney-general and regulator guidance, and attributed statutory reproductions. [NCSL](https://giftcard.news/organization/national-conference-of-state-legislatures/)'s comparison, updated May 20, 2026, served as a national cross-check. Introduced bills were not treated as enacted rights. The research cut-off is September 17, 2026; each state entry records the material actually verified. The map's 14 coloured states correspond to provisions addressing cash redemption, with Rhode Island explicitly qualified and Massachusetts separately classified. The other 36 states are grey because no generally applicable small-balance cash-out requirement was identified in the reviewed material. That classification does not rule out a narrower remedy, contract right, later change or issuer policy. The District of Columbia appears separately and is not counted as a state. Territories are outside this 50-state review. No purchaser records, individual card terms or disputed transactions were examined. This article explains the framework and directs readers to sources; it is not a determination that a particular claimant is entitled to payment. Where a cross-state transaction or disputed exclusion is material, a consumer agency or qualified lawyer can assess the facts. Consumer statistics retain the dates, populations and units of their original studies. Neither physical and digital formats nor purchased gifts and store credits are silently treated as interchangeable. The downloadable article data include the editorial state classifications, legal-source links, chart values and tables so readers can inspect the evidence. Map outlines use [US Atlas](https://giftcard.news/organization/us-atlas/) [\[S141\]](#article-source-141), derived from [U.S. Census Bureau](https://giftcard.news/organization/u-s-census-bureau/) geography, with Alaska and Hawaii as insets. Colours and classifications are original editorial analysis. The charts are original visualizations of the attributed data, not reproductions of publishers' graphics. **This is a journalistic article for general information, not legal advice or a legal opinion on any particular card or transaction.** Reading it does not create an attorney–client relationship. A specific claim depends on the product, purchase history and applicable law; a consumer agency or appropriately qualified lawyer can assess a disputed case. [Back to top ↑](#article-top) ## Sources and documents ExpandCollapse * [\[S01\] National Conference of State Legislatures: NCSL legislative comparison](https://www.ncsl.org/financial-services/gift-cards-and-gift-certificates-statutes-and-legislation?utm%5Fsource=giftcard.news) — National Conference of State Legislatures * [\[S02\] California Legislature: Statute](https://leginfo.legislature.ca.gov/faces/codes%5FdisplaySection.xhtml?lawCode=CIV§ionNum=1749.5.&utm%5Fsource=giftcard.news) — California Legislature * [\[S03\] Colorado Office of Legislative Legal Services: Statute](https://olls.info/crs/crs2026-title-06.pdf?utm%5Fsource=giftcard.news#page=145) — Colorado Office of Legislative Legal Services * [\[S04\] Connecticut General Assembly: Statute](https://www.cga.ct.gov/current/pub/chap%5F743cc.htm?utm%5Fsource=giftcard.news#sec%5F42-461) — Connecticut General Assembly * [\[S05\] Hawaii State Legislature: Statute](https://data.capitol.hawaii.gov/hrscurrent/Vol11%5FCh0476-0490/HRS0481B/HRS%5F0481B-0013.htm?utm%5Fsource=giftcard.news) — Hawaii State Legislature * [\[S06\] Maine Legislature: Statute](https://legislature.maine.gov/statutes/33/title33sec2067.html?utm%5Fsource=giftcard.news) — Maine Legislature * [\[S07\] Massachusetts General Court: Statute](https://malegislature.gov/Laws/GeneralLaws/PartII/TitleII/Chapter200A/Section5D?utm%5Fsource=giftcard.news) — Massachusetts General Court * [\[S08\] Montana Legislature: Statute](https://mca.legmt.gov/bills/mca/title%5F0300/chapter%5F0140/part%5F0010/section%5F0080/0300-0140-0010-0080.html?utm%5Fsource=giftcard.news) — Montana Legislature * [\[S09\] New Jersey Legislature: Statute](https://pub.njleg.gov/bills/2012/AL12/14%5F.PDF?utm%5Fsource=giftcard.news) — New Jersey Legislature * [\[S10\] New York State Senate: Statute](https://www.nysenate.gov/legislation/laws/GBS/396-I?utm%5Fsource=giftcard.news) — New York State Senate * [\[S11\] Oregon Legislative Assembly: Statute](https://www.oregonlegislature.gov/bills%5Flaws/ors/ors646a.html?utm%5Fsource=giftcard.news) — Oregon Legislative Assembly * [\[S12\] Rhode Island General Assembly: Statute](https://webserver.rilegislature.gov/Statutes/TITLE6/6-13/6-13-12.htm?utm%5Fsource=giftcard.news) — Rhode Island General Assembly * [\[S13\] Texas Legislature: Statute](https://tcss.legis.texas.gov/resources/BC/htm/BC.604.htm?utm%5Fsource=giftcard.news) — Texas Legislature * [\[S14\] Vermont General Assembly: Statute](https://legislature.vermont.gov/statutes/fullchapter/08/081?utm%5Fsource=giftcard.news) — Vermont General Assembly * [\[S15\] Washington State Legislature: Statute](https://app.leg.wa.gov/rcw/default.aspx?cite=19.240&full=true&utm%5Fsource=giftcard.news) — Washington State Legislature * [\[S16\] Bankrate/YouGov, published September 23, 2024](https://www.bankrate.com/credit-cards/news/gift-cards-survey/?utm%5Fsource=giftcard.news) — Bankrate * [\[S17\] National Retail Federation: NRF, November 20, 2025](https://nrf.com/media-center/press-releases/thanksgiving-weekend-expected-to-draw-largest-number-of-shoppers-on-record?utm%5Fsource=giftcard.news) — National Retail Federation * [\[S18\] Consumer Financial Protection Bureau: CFPB, Regulation E §1005.20](https://www.consumerfinance.gov/rules-policy/regulations/1005/20/?utm%5Fsource=giftcard.news) — Consumer Financial Protection Bureau * [\[S19\] Cornell Legal Information Institute: 15 U.S.C. §1693q](https://www.law.cornell.edu/uscode/text/15/1693q?utm%5Fsource=giftcard.news) — Cornell Legal Information Institute * [\[S20\] Maine Legislature: Maine 33 M.R.S. §2052](https://legislature.maine.gov/statutes/33/title33sec2052.html?utm%5Fsource=giftcard.news) — Maine Legislature * [\[S21\] Vanilla Gift FAQ](https://www.vanillagift.com/help?utm%5Fsource=giftcard.news) — Vanilla Gift * [\[S22\] Apple: balance and cash-refund instructions](https://support.apple.com/en-us/119902?utm%5Fsource=giftcard.news) — Apple * [\[S23\] contact Apple Support](https://getsupport.apple.com/?caller=kbase&utm%5Fsource=giftcard.news) — Apple * [\[S24\] Chipotle: Gift Card Cashback request form](https://www.chipotle.com/gift-card-cashback?utm%5Fsource=giftcard.news) — Chipotle * [\[S25\] Google Play gift-card refund policy](https://support.google.com/googleplay/answer/15576671?utm%5Fsource=giftcard.news) — Google * [\[S26\] Google: Contact us support entry point](https://support.google.com/googleplay/gethelp?utm%5Fsource=giftcard.news) — Google * [\[S27\] Starbucks Card terms](https://www.starbucks.com/terms/manage-gift-cards/?utm%5Fsource=giftcard.news) — Starbucks * [\[S28\] Darden Restaurants: gift-card terms](https://www.darden.com/gift-cards/terms-and-conditions?utm%5Fsource=giftcard.news) — Darden Restaurants * [\[S29\] Target Gift Card contact page](https://www.target.com/help/contact-us/target-giftcard?utm%5Fsource=giftcard.news) — Target * [\[S30\] Target's balance checker](https://www.target.com/guest/gift-card-balance?utm%5Fsource=giftcard.news) — Target * [\[S31\] Target: Gift Card help page](https://www.target.com/help/articles/gift-cards/target-giftcards?utm%5Fsource=giftcard.news) — Target * [\[S32\] USA.gov state consumer-protection directory](https://www.usa.gov/state-consumer?utm%5Fsource=giftcard.news) — USA.gov * [\[S33\] Alabama State Treasury: Source](https://treasury.alabama.gov/alabama-treasury-law/unclaimed-property-law/?utm%5Fsource=giftcard.news) — Alabama State Treasury * [\[S34\] Arizona State Legislature: Source](https://www.azleg.gov/ars/44/07402.htm?utm%5Fsource=giftcard.news) — Arizona State Legislature * [\[S35\] Arkansas General Assembly: Source](https://www.arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2007%2FPublic%2FACT304.pdf&utm%5Fsource=giftcard.news) — Arkansas General Assembly * [\[S36\] Delaware General Assembly: Source](https://delcode.delaware.gov/title12/c011/sc02/index.html?utm%5Fsource=giftcard.news) — Delaware General Assembly * [\[S37\] Florida Legislature: Source](https://www.leg.state.fl.us/statutes/index.cfm?App%5Fmode=Display%5FStatute&URL=0500-0599%2F0501%2FSections%2F0501.95.html&utm%5Fsource=giftcard.news) — Florida Legislature * [\[S38\] Georgia Consumer Protection Division: Source](https://consumer.georgia.gov/consumer-topics/gift-cards?utm%5Fsource=giftcard.news) — Georgia Consumer Protection Division * [\[S39\] Justia: Source](https://law.justia.com/codes/idaho/title-14/chapter-5/part-1/section-14-5-102/?utm%5Fsource=giftcard.news) — Justia * [\[S40\] Justia: Source](https://law.justia.com/codes/illinois/chapter-815/act-815-ilcs-505/?utm%5Fsource=giftcard.news) — Justia * [\[S41\] Justia: Source](https://law.justia.com/codes/indiana/title-32/article-34/chapter-1-5/section-32-34-1-5-3/?utm%5Fsource=giftcard.news) — Justia * [\[S42\] Iowa Legislature: Source](https://www.legis.iowa.gov/docs/code/556.9.pdf?utm%5Fsource=giftcard.news) — Iowa Legislature * [\[S43\] Kansas Legislature: Source](https://www.kslegislature.gov/b2025%5F26/laws/050%5F000%5F0000%5Fchapter/050%5F006%5F0000%5Farticle/050%5F006%5F0108%5Fsection/050%5F006%5F0108%5Fk/?utm%5Fsource=giftcard.news) — Kansas Legislature * [\[S44\] Kentucky General Assembly: Source](https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=35100&utm%5Fsource=giftcard.news) — Kentucky General Assembly * [\[S45\] Louisiana State Legislature: Source](https://legis.la.gov/legis/Law.aspx?d=285608&utm%5Fsource=giftcard.news) — Louisiana State Legislature * [\[S46\] Maryland General Assembly: Source](https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gcl&enactments=false§ion=14-1319&utm%5Fsource=giftcard.news) — Maryland General Assembly * [\[S47\] Michigan Attorney General: Source](https://www.michigan.gov/consumerprotection/protect-yourself/consumer-alerts/shopping/gift-cards-and-gift-certificates?utm%5Fsource=giftcard.news) — Michigan Attorney General * [\[S48\] Minnesota Legislature: Source](https://www.revisor.mn.gov/statutes/cite/325g.53?utm%5Fsource=giftcard.news) — Minnesota Legislature * [\[S49\] Mississippi State Treasury: Source](https://treasury.ms.gov/for-businesses/unclaimed-property-reporting/?utm%5Fsource=giftcard.news) — Mississippi State Treasury * [\[S50\] Missouri Revisor of Statutes: Source](https://revisor.mo.gov/main/OneSection.aspx?section=447.505&utm%5Fsource=giftcard.news) — Missouri Revisor of Statutes * [\[S51\] Nebraska Legislature: Source](https://nebraskalegislature.gov/laws/statutes.php?statute=69-1305.03&utm%5Fsource=giftcard.news) — Nebraska Legislature * [\[S52\] Nevada Legislature: Source](https://www.leg.state.nv.us/nrs/NRS-598.html?utm%5Fsource=giftcard.news#NRS598Sec0921) — Nevada Legislature * [\[S53\] New Hampshire General Court: Source](https://gc.nh.gov/rsa/html/XXXI/358-A/358-A-2.htm?utm%5Fsource=giftcard.news) — New Hampshire General Court * [\[S54\] Justia: Source](https://law.justia.com/codes/new-mexico/chapter-57/article-12/section-57-12-26/?utm%5Fsource=giftcard.news) — Justia * [\[S55\] North Carolina General Assembly: Source](https://www.ncleg.gov/EnactedLegislation/SessionLaws/HTML/2007-2008/SL2007-363.html?utm%5Fsource=giftcard.news) — North Carolina General Assembly * [\[S56\] North Dakota Legislative Assembly: Source](https://ndlegis.gov/cencode/t51c29.pdf?utm%5Fsource=giftcard.news) — North Dakota Legislative Assembly * [\[S57\] Ohio General Assembly: Source](https://codes.ohio.gov/assets/laws/revised-code/authenticated/13/1349/1349.61/7-3-2019/1349.61-7-3-2019.pdf?utm%5Fsource=giftcard.news) — Ohio General Assembly * [\[S58\] Oklahoma Legislature: Source](https://www.oklegislature.gov/OK%5FStatutes/CompleteTitles/os15.pdf?utm%5Fsource=giftcard.news) — Oklahoma Legislature * [\[S59\] FindLaw: Source](https://codes.findlaw.com/pa/title-72-ps-taxation-and-fiscal-affairs/pa-st-sect-72-1301-6/?utm%5Fsource=giftcard.news) — FindLaw * [\[S60\] South Carolina General Assembly: Source](https://www.scstatehouse.gov/code/t39c001.php?utm%5Fsource=giftcard.news) — South Carolina General Assembly * [\[S61\] South Dakota Attorney General: Source](https://consumer.sd.gov/fastfacts/gifts.aspx?utm%5Fsource=giftcard.news) — South Dakota Attorney General * [\[S62\] Justia: Source](https://law.justia.com/codes/tennessee/title-47/chapter-18/part-1/section-47-18-127/?utm%5Fsource=giftcard.news) — Justia * [\[S63\] Utah State Legislature: Source](https://le.utah.gov/xcode/Title13/Chapter11/C13-11%5F1800010118000101.pdf?utm%5Fsource=giftcard.news) — Utah State Legislature * [\[S64\] Virginia General Assembly: Source](https://law.lis.virginia.gov/vacodefull/title59.1/chapter47/?utm%5Fsource=giftcard.news) — Virginia General Assembly * [\[S65\] West Virginia Legislature: Source](https://code.wvlegislature.gov/36-8-2/?utm%5Fsource=giftcard.news) — West Virginia Legislature * [\[S66\] Wisconsin Department of Agriculture, Trade and Consumer Protection: Source](https://datcp.wi.gov/Pages/Publications/GiftCards428.aspx?utm%5Fsource=giftcard.news) — Wisconsin Department of Agriculture, Trade and Consumer Protection * [\[S67\] Wyoming Legislature: Source](https://wyoleg.gov/statutes/compress/title34.pdf?utm%5Fsource=giftcard.news) — Wyoming Legislature * [\[S68\] Alabama Attorney General: Attorney General's consumer complaint route](https://www.alabamaag.gov/consumer-complaint/?utm%5Fsource=giftcard.news) — Alabama Attorney General * [\[S69\] Alaska Department of Law: Consumer Protection Unit](https://law.alaska.gov/department/civil/consumer/cp%5Fcomplaint.html?utm%5Fsource=giftcard.news) — Alaska Department of Law * [\[S70\] Alaska Department of Law: Consumer Laws](https://law.alaska.gov/department/civil/consumer/laws.html?utm%5Fsource=giftcard.news) — Alaska Department of Law * [\[S71\] Arizona Attorney General](https://www.azag.gov/complaints/consumer?utm%5Fsource=giftcard.news) — Arizona Attorney General * [\[S72\] Arizona State Legislature: Arizona definitions §44-7401](https://www.azleg.gov/ars/44/07401.htm?utm%5Fsource=giftcard.news) — Arizona State Legislature * [\[S73\] Arkansas Attorney General's Consumer Protection Division](https://arkansasag.gov/divisions/public-protection/?utm%5Fsource=giftcard.news) — Arkansas Attorney General * [\[S74\] Justia: Arkansas §4-88-703,2025 code mirror](https://law.justia.com/codes/arkansas/title-4/subtitle-7/chapter-88/subchapter-7/section-4-88-703/?utm%5Fsource=giftcard.news) — Justia * [\[S75\] California Legislature: Enacted SB 22](https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill%5Fid=202520260SB22&utm%5Fsource=giftcard.news) — California Legislature * [\[S76\] California Attorney General: Attorney General's complaint form](https://oag.ca.gov/contact/consumer-complaint-against-business-or-company?utm%5Fsource=giftcard.news) — California Attorney General * [\[S77\] Colorado Attorney General](https://coag.gov/file-complaint/?utm%5Fsource=giftcard.news) — Colorado Attorney General * [\[S78\] Connecticut Department of Consumer Protection: Department of Consumer Protection](https://portal.ct.gov/dcp/file-a-complaint?utm%5Fsource=giftcard.news) — Connecticut Department of Consumer Protection * [\[S79\] Connecticut Department of Consumer Protection: Connecticut DCP gift-card guidance](https://portal.ct.gov/dcp/common-elements/consumer-facts-and-contacts/gift-certificates-and-gift-cards?utm%5Fsource=giftcard.news) — Connecticut Department of Consumer Protection * [\[S80\] Delaware Department of Justice: Delaware Consumer Protection Unit](https://attorneygeneral.delaware.gov/fraud/cpu/?utm%5Fsource=giftcard.news) — Delaware Department of Justice * [\[S81\] Florida Department of Agriculture and Consumer Services](https://www.fdacs.gov/Contact-Us/File-a-Complaint?utm%5Fsource=giftcard.news) — Florida Department of Agriculture and Consumer Services * [\[S82\] Georgia Consumer Protection Division: Consumer Protection Division](https://consumer.georgia.gov/resolve-your-dispute/how-do-i-file-complaint?utm%5Fsource=giftcard.news) — Georgia Consumer Protection Division * [\[S83\] Hawaii Department of Commerce and Consumer Affairs: Hawaii DCCA gift-card guidance](https://cca.hawaii.gov/ocp/gift-cards/?utm%5Fsource=giftcard.news) — Hawaii Department of Commerce and Consumer Affairs * [\[S84\] Hawaii Department of Commerce and Consumer Affairs: Hawaii consumer complaints](https://cca.hawaii.gov/ocp/consumer-complaints/?utm%5Fsource=giftcard.news) — Hawaii Department of Commerce and Consumer Affairs * [\[S85\] Idaho Attorney General consumer protection](https://www.ag.idaho.gov/consumer-protection/?utm%5Fsource=giftcard.news) — Idaho Attorney General * [\[S86\] Illinois SB1757 status, LegiScan](https://legiscan.com/IL/bill/SB1757/2025?utm%5Fsource=giftcard.news) — LegiScan * [\[S87\] Illinois Attorney General complaints](https://www.illinoisattorneygeneral.gov/File-A-Complaint/?utm%5Fsource=giftcard.news) — Illinois Attorney General * [\[S88\] Indiana Attorney General consumer complaints](https://www.in.gov/attorneygeneral/consumer-protection-division/file-a-complaint/?utm%5Fsource=giftcard.news) — Indiana Attorney General * [\[S89\] Iowa Attorney General consumer complaints](https://www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint?utm%5Fsource=giftcard.news) — Iowa Attorney General * [\[S90\] Kansas Attorney General consumer protection complaints](https://www.ag.ks.gov/file-a-complaint/consumer-protection?utm%5Fsource=giftcard.news) — Kansas Attorney General * [\[S91\] Kentucky Attorney General consumer complaints](https://www.ag.ky.gov/Resources/Consumer-Resources/Consumers/Pages/Consumer-Complaints.aspx?utm%5Fsource=giftcard.news) — Kentucky Attorney General * [\[S92\] Louisiana Attorney General consumer disputes](https://www.ag.state.la.us/Page/ConsumerDispute?utm%5Fsource=giftcard.news) — Louisiana Attorney General * [\[S93\] Maine Attorney General: Maine consumer complaints and mediation](https://www.maine.gov/ag/online-services/complaint-form?utm%5Fsource=giftcard.news) — Maine Attorney General * [\[S94\] Maryland Attorney General business complaints](https://oag.maryland.gov/i-need-to/Pages/business-complaints.aspx?utm%5Fsource=giftcard.news) — Maryland Attorney General * [\[S95\] Massachusetts General Court: Massachusetts gift-certificate definition](https://malegislature.gov/Laws/GeneralLaws/PartIII/TitleIV/Chapter255D/Section1?utm%5Fsource=giftcard.news) — Massachusetts General Court * [\[S96\] Justia: MCL 445.903e — statutory text mirror](https://law.justia.com/codes/michigan/chapter-445/statute-act-331-of-1976/section-445-903e/?utm%5Fsource=giftcard.news) — Justia * [\[S97\] Justia: MCL 445.903f — statutory text mirror](https://law.justia.com/codes/michigan/chapter-445/statute-act-331-of-1976/section-445-903f/?utm%5Fsource=giftcard.news) — Justia * [\[S98\] Justia: MCL 445.903g — statutory text mirror](https://law.justia.com/codes/michigan/chapter-445/statute-act-331-of-1976/section-445-903g/?utm%5Fsource=giftcard.news) — Justia * [\[S99\] Minnesota Attorney General guide](https://www.ag.state.mn.us/Consumer/Publications/GiftCardsGiftCert.asp?utm%5Fsource=giftcard.news) — Minnesota Attorney General * [\[S100\] billstatus.ls.state.ms.us: SB 2714 legislative record](https://billstatus.ls.state.ms.us/2026/pdf/history/SB/SB2714.xml?utm%5Fsource=giftcard.news) — billstatus.ls.state.ms.us * [\[S101\] Justia: Mississippi §89-12-3 — statutory text mirror](https://law.justia.com/codes/mississippi/title-89/chapter-12/section-89-12-3/?utm%5Fsource=giftcard.news) — Justia * [\[S102\] Justia: Mississippi §89-12-15 — statutory text mirror](https://law.justia.com/codes/mississippi/title-89/chapter-12/section-89-12-15/?utm%5Fsource=giftcard.news) — Justia * [\[S103\] Montana Legislature: Montana gift-certificate definition](https://mca.legmt.gov/bills/mca/title%5F0300/chapter%5F0140/part%5F0010/section%5F0020/0300-0140-0010-0020.html?utm%5Fsource=giftcard.news) — Montana Legislature * [\[S104\] New Hampshire General Court: New Hampshire Consumer Protection Act, full chapter](https://gc.nh.gov/rsa/html/XXXI/358-A/358-A-mrg.htm?utm%5Fsource=giftcard.news) — New Hampshire General Court * [\[S105\] New Jersey Legislature: New Jersey stored-value definition including electronic gift cards](https://pub.njleg.gov/bills/2010/AL10/25%5F.HTM?utm%5Fsource=giftcard.news) — New Jersey Legislature * [\[S106\] New Mexico Department of Justice complaint route](https://nmdoj.gov/get-help/submit-a-complaint/?utm%5Fsource=giftcard.news) — New Mexico Department of Justice * [\[S107\] New York State Senate: Enacted bill](https://www.nysenate.gov/legislation/bills/2021/S3467?utm%5Fsource=giftcard.news) — New York State Senate * [\[S108\] New York Department of State: state consumer complaint service](https://dos.ny.gov/file-consumer-complaint?utm%5Fsource=giftcard.news) — New York Department of State * [\[S109\] North Carolina Department of Justice complaint process](https://ncdoj.gov/file-a-complaint/?utm%5Fsource=giftcard.news) — North Carolina Department of Justice * [\[S110\] North Carolina General Assembly: Current statutory citation](https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter%5F66/GS%5F66-67.5.html?utm%5Fsource=giftcard.news) — North Carolina General Assembly * [\[S111\] North Dakota Attorney General: Attorney General’s consumer complaint service](https://attorneygeneral.nd.gov/consumer-resources/consumer-complaints/?utm%5Fsource=giftcard.news) — North Dakota Attorney General * [\[S112\] Ohio Attorney General’s complaint service](https://www.ohioattorneygeneral.gov/Individuals-and-Families/Consumers/File-A-Complaint?utm%5Fsource=giftcard.news) — Ohio Attorney General * [\[S113\] Oklahoma Attorney General’s Consumer Protection Unit](https://oklahoma.gov/oag/about/divisions/cpu.html?utm%5Fsource=giftcard.news) — Oklahoma Attorney General * [\[S114\] Oregon Department of Justice: Oregon DOJ complaint](https://www.doj.state.or.us/consumer-protection/sales-scams-fraud/report-scams-fraud/?utm%5Fsource=giftcard.news) — Oregon Department of Justice * [\[S115\] Oregon Department of Justice: Oregon DOJ gift-card guidance](https://www.doj.state.or.us/consumer-protection/sales-scams-fraud/gift-cards/?utm%5Fsource=giftcard.news) — Oregon Department of Justice * [\[S116\] Pennsylvania Treasury claim portal](https://www.patreasury.gov/unclaimed-property/?utm%5Fsource=giftcard.news) — Pennsylvania Treasury * [\[S117\] Pennsylvania Attorney General’s consumer complaint service](https://www.attorneygeneral.gov/submit-a-complaint/consumer-en/?utm%5Fsource=giftcard.news) — Pennsylvania Attorney General * [\[S118\] Rhode Island Attorney General’s consumer complaint route](https://riag.ri.gov/forms/consumer-complaint?utm%5Fsource=giftcard.news) — Rhode Island Attorney General * [\[S119\] South Carolina Department of Consumer Affairs](https://consumer.sc.gov/consumer-resources/consumer-complaints?utm%5Fsource=giftcard.news) — South Carolina Department of Consumer Affairs * [\[S120\] South Dakota Attorney General: South Dakota Consumer Protection](https://consumer.sd.gov/complaintform.aspx?utm%5Fsource=giftcard.news) — South Dakota Attorney General * [\[S121\] South Dakota Legislature: SDCL §43-41B-43](https://sdlegislature.gov/Statutes/43-41B-43?utm%5Fsource=giftcard.news) — South Dakota Legislature * [\[S122\] Tennessee Attorney General’s complaint procedure](https://www.tn.gov/attorneygeneral/working-for-tennessee/consumer/file-a-complaint.html?utm%5Fsource=giftcard.news) — Tennessee Attorney General * [\[S123\] Tennessee Attorney General consumer laws](https://www.tn.gov/attorneygeneral/working-for-tennessee/consumer/resources/laws.html?utm%5Fsource=giftcard.news) — Tennessee Attorney General * [\[S124\] capitol.texas.gov: took effect September 1, 2015](https://capitol.texas.gov/tlodocs/84R/billtext/html/HB02391F.htm?utm%5Fsource=giftcard.news) — capitol.texas.gov * [\[S125\] Texas Attorney General](https://www.texasattorneygeneral.gov/consumer-protection/file-consumer-complaint?utm%5Fsource=giftcard.news) — Texas Attorney General * [\[S126\] Utah Division of Consumer Protection complaint portal](https://commerce.utah.gov/dcp/complaint/?utm%5Fsource=giftcard.news) — Utah Division of Consumer Protection * [\[S127\] University of Vermont: Consumer Assistance Program](https://www.uvm.edu/consumer?utm%5Fsource=giftcard.news) — University of Vermont * [\[S128\] Vermont General Assembly: Vermont cash-redemption section](https://legislature.vermont.gov/statutes/section/08/081/02704?utm%5Fsource=giftcard.news) — Vermont General Assembly * [\[S129\] Vermont Attorney General: Vermont AG complaint form](https://ago.vermont.gov/cap/get-help-consumer-complaint?utm%5Fsource=giftcard.news) — Vermont Attorney General * [\[S130\] LegiScan: legislative record](https://legiscan.com/VA/bill/HB1431/2026?utm%5Fsource=giftcard.news) — LegiScan * [\[S131\] Virginia Attorney General’s complaint process](https://www.oag.state.va.us/consumer-protection/index.php/file-a-complaint?utm%5Fsource=giftcard.news) — Virginia Attorney General * [\[S132\] Virginia General Assembly: Official HB1431 introduced text](https://lis.virginia.gov/bill-details/20261/HB1431/text/HB1431?utm%5Fsource=giftcard.news) — Virginia General Assembly * [\[S133\] Washington State Legislature: RCW 19.240.020(3)](https://app.leg.wa.gov/rcw/default.aspx?cite=19.240.020&utm%5Fsource=giftcard.news) — Washington State Legislature * [\[S134\] Washington Attorney General: Washington AG complaint route](https://www.atg.wa.gov/file-complaint?utm%5Fsource=giftcard.news) — Washington Attorney General * [\[S135\] West Virginia Attorney General](https://ago.wv.gov/consumer-protection/file-complaint-consumer-protection-division?utm%5Fsource=giftcard.news) — West Virginia Attorney General * [\[S136\] West Virginia Legislature: West Virginia statutory definitions](https://code.wvlegislature.gov/36-8-1/?utm%5Fsource=giftcard.news) — West Virginia Legislature * [\[S137\] Wisconsin Department of Agriculture, Trade and Consumer Protection: DATCP’s complaint service](https://datcp.wi.gov/Pages/Programs%5FServices/FileConsumerComplaint.aspx?utm%5Fsource=giftcard.news) — Wisconsin Department of Agriculture, Trade and Consumer Protection * [\[S138\] Wyoming Attorney General’s complaint procedure](https://ag.wyo.gov/law-office-division/consumer-protection-and-antitrust-unit/consumer-complaints?utm%5Fsource=giftcard.news) — Wyoming Attorney General * [\[S139\] Council of the District of Columbia: D.C. definition, §41-151.02](https://code.dccouncil.gov/us/dc/council/code/sections/41-151.02?utm%5Fsource=giftcard.news) — Council of the District of Columbia * [\[S140\] Council of the District of Columbia: gift-card abandonment, §41-152.07](https://code.dccouncil.gov/us/dc/council/code/sections/41-152.07?utm%5Fsource=giftcard.news) — Council of the District of Columbia * [\[S141\] US Atlas](https://github.com/topojson/us-atlas?utm%5Fsource=giftcard.news) — US Atlas * [\[S142\] Bankrate / YouGov, presented by Statista: Unused gift-card, voucher and store-credit value by generation, United States, 2024; published 2025-03-07](https://www.statista.com/statistics/1560031/unused-gift-card-value-us/?utm%5Fsource=giftcard.news) — Statista * [\[S143\] Accenture, presented by Statista: Reasons for unused gift-card balances, United States, 2024; published 2024-11-12](https://www.statista.com/statistics/1535498/unused-gift-card-balances/?utm%5Fsource=giftcard.news) — Statista * [\[S144\] CivicScience, presented by Statista: Unused gift-card ownership responses, United States, 2024–2025; published 2025-03-07](https://www.statista.com/statistics/1560254/people-who-have-unused-gift-cards-us/?utm%5Fsource=giftcard.news) — Statista * [\[S145\] Accenture, presented by Statista: Requested improvements to the gift-card experience, United States, 2024; published 2024-11-12](https://www.statista.com/statistics/1535516/improving-the-gift-card-experience/?utm%5Fsource=giftcard.news) — Statista * [\[S146\] CivicScience: unused gift-card ownership chart, January 7, 2025](https://civicscience.com/trend-to-watch-slightly-more-americans-spending-holiday-gift-cards-on-essentials-this-year/?utm%5Fsource=giftcard.news) — CivicScience ## In this article ### Companies * [Accenture](https://giftcard.news/company/accenture/) * [Apple](https://giftcard.news/company/apple/) * [Bankrate](https://giftcard.news/company/bankrate/) * [Chipotle](https://giftcard.news/company/chipotle/) * [CivicScience](https://giftcard.news/company/civicscience/) * [Darden Restaurants](https://giftcard.news/company/darden-restaurants/) * [FindLaw](https://giftcard.news/company/findlaw/) * [Google](https://giftcard.news/company/google/) * [Justia](https://giftcard.news/company/justia/) * [LegiScan](https://giftcard.news/company/legiscan/) * [LongHorn Steakhouse](https://giftcard.news/company/longhorn-steakhouse/) * [Mastercard](https://giftcard.news/company/mastercard/) * [Olive Garden](https://giftcard.news/company/olive-garden/) * [Prosper Insights & Analytics](https://giftcard.news/company/prosper-insights-analytics/) * [Ruth’s Chris](https://giftcard.news/company/ruth-s-chris/) * [Starbucks](https://giftcard.news/company/starbucks/) * [Statista](https://giftcard.news/company/statista/) * [Target](https://giftcard.news/company/target/) * [Vanilla Gift](https://giftcard.news/company/vanilla-gift/) * [Visa](https://giftcard.news/company/visa/) * [Yard House](https://giftcard.news/company/yard-house/) * [YouGov](https://giftcard.news/company/yougov/) ### Organizations * [Alabama Attorney General](https://giftcard.news/organization/alabama-attorney-general/) * [Alabama State Treasury](https://giftcard.news/organization/alabama-state-treasury/) * [Alaska Department of Law](https://giftcard.news/organization/alaska-department-of-law/) * [Arizona Attorney General](https://giftcard.news/organization/arizona-attorney-general/) * [Arizona State Legislature](https://giftcard.news/organization/arizona-state-legislature/) * [Arkansas Attorney General](https://giftcard.news/organization/arkansas-attorney-general/) * [Arkansas General Assembly](https://giftcard.news/organization/arkansas-general-assembly/) * [California Attorney General](https://giftcard.news/organization/california-attorney-general/) * [California Legislature](https://giftcard.news/organization/california-legislature/) * [Colorado Attorney General](https://giftcard.news/organization/colorado-attorney-general/) * [Colorado Office of Legislative Legal Services](https://giftcard.news/organization/colorado-office-of-legislative-legal-services/) * [Connecticut Department of Consumer Protection](https://giftcard.news/organization/connecticut-department-of-consumer-protection/) * [Connecticut General Assembly](https://giftcard.news/organization/connecticut-general-assembly/) * [Consumer Financial Protection Bureau](https://giftcard.news/organization/consumer-financial-protection-bureau/) * [Cornell Legal Information Institute](https://giftcard.news/organization/cornell-legal-information-institute/) * [Council of the District of Columbia](https://giftcard.news/organization/council-of-the-district-of-columbia/) * [Delaware Department of Justice](https://giftcard.news/organization/delaware-department-of-justice/) * [Delaware General Assembly](https://giftcard.news/organization/delaware-general-assembly/) * [Florida Department of Agriculture and Consumer Services](https://giftcard.news/organization/florida-department-of-agriculture-and-consumer-services/) * [Florida Legislature](https://giftcard.news/organization/florida-legislature/) * [Georgia Consumer Protection Division](https://giftcard.news/organization/georgia-consumer-protection-division/) * [Hawaii Department of Commerce and Consumer Affairs](https://giftcard.news/organization/hawaii-department-of-commerce-and-consumer-affairs/) * [Hawaii State Legislature](https://giftcard.news/organization/hawaii-state-legislature/) * [Idaho Attorney General](https://giftcard.news/organization/idaho-attorney-general/) * [Illinois Attorney General](https://giftcard.news/organization/illinois-attorney-general/) * [Indiana Attorney General](https://giftcard.news/organization/indiana-attorney-general/) * [Iowa Attorney General](https://giftcard.news/organization/iowa-attorney-general/) * [Iowa Legislature](https://giftcard.news/organization/iowa-legislature/) * [Kansas Attorney General](https://giftcard.news/organization/kansas-attorney-general/) * [Kansas Legislature](https://giftcard.news/organization/kansas-legislature/) * [Kentucky Attorney General](https://giftcard.news/organization/kentucky-attorney-general/) * [Kentucky General Assembly](https://giftcard.news/organization/kentucky-general-assembly/) * [Louisiana Attorney General](https://giftcard.news/organization/louisiana-attorney-general/) * [Louisiana State Legislature](https://giftcard.news/organization/louisiana-state-legislature/) * [Maine Attorney General](https://giftcard.news/organization/maine-attorney-general/) * [Maine Legislature](https://giftcard.news/organization/maine-legislature/) * [Maryland Attorney General](https://giftcard.news/organization/maryland-attorney-general/) * [Maryland General Assembly](https://giftcard.news/organization/maryland-general-assembly/) * [Massachusetts General Court](https://giftcard.news/organization/massachusetts-general-court/) * [Michigan Attorney General](https://giftcard.news/organization/michigan-attorney-general/) * [Minnesota Attorney General](https://giftcard.news/organization/minnesota-attorney-general/) * [Minnesota Legislature](https://giftcard.news/organization/minnesota-legislature/) * [Mississippi State Treasury](https://giftcard.news/organization/mississippi-state-treasury/) * [Missouri Revisor of Statutes](https://giftcard.news/organization/missouri-revisor-of-statutes/) * [Montana Legislature](https://giftcard.news/organization/montana-legislature/) * [National Conference of State Legislatures](https://giftcard.news/organization/national-conference-of-state-legislatures/) * [National Retail Federation](https://giftcard.news/organization/national-retail-federation/) * [Nebraska Legislature](https://giftcard.news/organization/nebraska-legislature/) * [Nevada Legislature](https://giftcard.news/organization/nevada-legislature/) * [New Hampshire General Court](https://giftcard.news/organization/new-hampshire-general-court/) * [New Jersey Legislature](https://giftcard.news/organization/new-jersey-legislature/) * [New Mexico Department of Justice](https://giftcard.news/organization/new-mexico-department-of-justice/) * [New York Department of State](https://giftcard.news/organization/new-york-department-of-state/) * [New York State Senate](https://giftcard.news/organization/new-york-state-senate/) * [North Carolina Department of Justice](https://giftcard.news/organization/north-carolina-department-of-justice/) * [North Carolina General Assembly](https://giftcard.news/organization/north-carolina-general-assembly/) * [North Dakota Attorney General](https://giftcard.news/organization/north-dakota-attorney-general/) * [North Dakota Legislative Assembly](https://giftcard.news/organization/north-dakota-legislative-assembly/) * [Ohio Attorney General](https://giftcard.news/organization/ohio-attorney-general/) * [Ohio General Assembly](https://giftcard.news/organization/ohio-general-assembly/) * [Oklahoma Attorney General](https://giftcard.news/organization/oklahoma-attorney-general/) * [Oklahoma Legislature](https://giftcard.news/organization/oklahoma-legislature/) * [Oregon Department of Justice](https://giftcard.news/organization/oregon-department-of-justice/) * [Oregon Legislative Assembly](https://giftcard.news/organization/oregon-legislative-assembly/) * [Pennsylvania Attorney General](https://giftcard.news/organization/pennsylvania-attorney-general/) * [Pennsylvania Treasury](https://giftcard.news/organization/pennsylvania-treasury/) * [Rhode Island Attorney General](https://giftcard.news/organization/rhode-island-attorney-general/) * [Rhode Island General Assembly](https://giftcard.news/organization/rhode-island-general-assembly/) * [South Carolina Department of Consumer Affairs](https://giftcard.news/organization/south-carolina-department-of-consumer-affairs/) * [South Carolina General Assembly](https://giftcard.news/organization/south-carolina-general-assembly/) * [South Dakota Attorney General](https://giftcard.news/organization/south-dakota-attorney-general/) * [South Dakota Legislature](https://giftcard.news/organization/south-dakota-legislature/) * [Tennessee Attorney General](https://giftcard.news/organization/tennessee-attorney-general/) * [Texas Attorney General](https://giftcard.news/organization/texas-attorney-general/) * [Texas Legislature](https://giftcard.news/organization/texas-legislature/) * [U.S. Census Bureau](https://giftcard.news/organization/u-s-census-bureau/) * [US Atlas](https://giftcard.news/organization/us-atlas/) * [USA.gov](https://giftcard.news/organization/usa-gov/) * [University of Vermont](https://giftcard.news/organization/university-of-vermont/) * [Utah Division of Consumer Protection](https://giftcard.news/organization/utah-division-of-consumer-protection/) * [Utah State Legislature](https://giftcard.news/organization/utah-state-legislature/) * [Vermont Attorney General](https://giftcard.news/organization/vermont-attorney-general/) * [Vermont General Assembly](https://giftcard.news/organization/vermont-general-assembly/) * [Virginia Attorney General](https://giftcard.news/organization/virginia-attorney-general/) * [Virginia General Assembly](https://giftcard.news/organization/virginia-general-assembly/) * [Washington Attorney General](https://giftcard.news/organization/washington-attorney-general/) * [Washington State Legislature](https://giftcard.news/organization/washington-state-legislature/) * [West Virginia Attorney General](https://giftcard.news/organization/west-virginia-attorney-general/) * [West Virginia Legislature](https://giftcard.news/organization/west-virginia-legislature/) * [Wisconsin Department of Agriculture, Trade and Consumer Protection](https://giftcard.news/organization/wisconsin-department-of-agriculture-trade-and-consumer-protection/) * [Wyoming Attorney General](https://giftcard.news/organization/wyoming-attorney-general/) * [Wyoming Legislature](https://giftcard.news/organization/wyoming-legislature/) Share [ ](https://x.com/intent/post?url=https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fcan-you-cash-out-your-gift-card-state-by-state-guide%2F%3Futm%5Fsource%3Dx%26utm%5Fmedium%3Dsocial&text=Can%20You%20Cash%20Out%20Your%20Gift%20Card%3F%20A%20State-by-State%20Guide "X") [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fcan-you-cash-out-your-gift-card-state-by-state-guide%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial "LinkedIn") [ ](https://wa.me/?text=Can%20You%20Cash%20Out%20Your%20Gift%20Card%3F%20A%20State-by-State%20Guide%20https%3A%2F%2Fgiftcard.news%2Fresearch-trends%2Fcan-you-cash-out-your-gift-card-state-by-state-guide%2F%3Futm%5Fsource%3Dwhatsapp%26utm%5Fmedium%3Dsocial "WhatsApp") ![Portrait of Oliver Reed](https://giftcard.news/images/variants/v1/oliver-reed-editorial-portrait-w320.webp) About the author ## [Oliver Reed](https://giftcard.news/author/oliver-reed/) Journalist — Industry Deals & Research Oliver Reed covers industry acquisitions, investment and market research for Gift Card News. ## Related articles [Research & Trends](https://giftcard.news/research-trends/) Analysis ### [A Bank on the Card, a Licensing Question Before It](https://giftcard.news/research-trends/us-virtual-card-licensing-mtl-msb-50-states/) [Oliver Reed](https://giftcard.news/author/oliver-reed/) September 16, 2026 86 min [Research & Trends](https://giftcard.news/research-trends/) Analysis ### [AI Can Shop for You. Can It Spend Your Gift Cards?](https://giftcard.news/research-trends/ai-can-shop-for-you-can-it-spend-your-gift-cards/) [Oliver Reed](https://giftcard.news/author/oliver-reed/) September 17, 2026 17 min [Research & Trends](https://giftcard.news/research-trends/) Analysis ### [Gift Card Fraud in the United States](https://giftcard.news/research-trends/gift-card-fraud-in-the-united-states/) [Oliver Reed](https://giftcard.news/author/oliver-reed/) September 17, 2026 66 min From reading to building ## Your next move in gift cards. Tell us what you’re building. We’ll help you explore suitable providers. [Find a provider ](https://giftcard.news/find-a-provider/) **In this report** 1. [The map: where a small balance can become cash](#article-section-the-map-where-a-small-balance-can-become-cash) 2. [Why the money matters—and what the data actually measure](#article-section-why-the-money-matters-and-what-the-data-actually-measure) 3. [There is no single federal cash-out threshold](#article-section-there-is-no-single-federal-cash-out-threshold) 4. [What changes at $3, $2 and $1?](#article-section-what-changes-at-3-2-and-1) 5. [A digital gift card is not always the same legal product as an account balance](#article-section-a-digital-gift-card-is-not-always-the-same-legal-product-as-an-account-balance) 6. [How to request the money](#article-section-how-to-request-the-money) 7. [If the state does not require a cash-out](#article-section-if-the-state-does-not-require-a-cash-out) 8. [What merchants and digital-card providers should build](#article-section-what-merchants-and-digital-card-providers-should-build) 9. [Every state, with the rule and the source](#article-section-every-state-with-the-rule-and-the-source) 10. [Research method and limits](#article-section-research-method-and-limits) [Download data (CSV)](https://giftcard.news/research-trends/can-you-cash-out-your-gift-card-state-by-state-guide/data.csv) [Back to top ↑](#article-top) ## Related articles [Research & Trends](https://giftcard.news/research-trends/) Analysis ### [A Bank on the Card, a Licensing Question Before It](https://giftcard.news/research-trends/us-virtual-card-licensing-mtl-msb-50-states/) [Oliver Reed](https://giftcard.news/author/oliver-reed/) September 16, 2026 86 min [Research & Trends](https://giftcard.news/research-trends/) Analysis ### [AI Can Shop for You. Can It Spend Your Gift Cards?](https://giftcard.news/research-trends/ai-can-shop-for-you-can-it-spend-your-gift-cards/) [Oliver Reed](https://giftcard.news/author/oliver-reed/) September 17, 2026 17 min [Research & Trends](https://giftcard.news/research-trends/) Analysis ### [Gift Card Fraud in the United States](https://giftcard.news/research-trends/gift-card-fraud-in-the-united-states/) [Oliver Reed](https://giftcard.news/author/oliver-reed/) September 17, 2026 66 min ```json {"@context":"https://schema.org","@graph":[{"@type":"Organization","@id":"https://giftcard.news/#publisher","name":"Gift Card News","url":"https://giftcard.news/","logo":{"@type":"ImageObject","url":"https://giftcard.news/brand/giftcard-news-logo.svg"}},{"@type":"Person","@id":"https://giftcard.news/author/oliver-reed/#person","name":"Oliver Reed","url":"https://giftcard.news/author/oliver-reed/","description":"Oliver Reed covers industry acquisitions, investment and market research for Gift Card News.","jobTitle":"Journalist — Industry Deals & Research","image":{"@type":"ImageObject","url":"https://giftcard.news/images/oliver-reed-editorial-portrait.webp","contentUrl":"https://giftcard.news/images/oliver-reed-editorial-portrait.webp","width":256,"height":256,"caption":"Illustrated portrait representing the Oliver Reed editorial profile."}},{"@type":"ImageObject","url":"https://giftcard.news/images/can-you-cash-out-your-gift-card-50-state-map.webp","contentUrl":"https://giftcard.news/images/can-you-cash-out-your-gift-card-50-state-map.webp","width":1920,"height":1005,"caption":"Gift-card cash-out provisions across 50 US states, reviewed 17 September 2026. 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