Give the gift that won't be returned!

Shop for family, friends, clients, employees or anyone else all in one place! A gift card from UCB can be used anywhere Visa is accepted and is the perfect gift for any occasion.

  • Birthdays
  • Weddings
  • Graduations
  • Anniversaries
  • Any other gift-giving occasion

Frequently Asked Questions

Is my gift card the same as a credit card?

No, your card is not a credit card. You can only spend the amount on the card.

Yes and no. Like a debit card, you can spend only the funds available. However, unlike a debit card, you do not have a bank account associated with the card.

Gift cards do not have to be activated prior to use. However, in order to preserve certain rights set forth in Section 10 of the Terms and Conditions disclosure, we recommend you register your United Commonwealth gift card at If you do not have Internet access, you may register by calling 1-866-279-4545, 24 hours a day, seven days a week. 

You can use your gift card for purchases anywhere Visa is accepted.

Yes, but you must first register the card in your name. Visit or call 1-866-279-4545, 24 hours a day, seven days a week to register your card.  Once registered, you can make online purchases with your card up to the available value of the card. Enter your card number, expiration date and any other information requested by the online merchant.

Make sure that you record the amount of your card and deduct each purchase. You can also get your balance anytime by calling the number on the back of your card (866-279-4545).  

Yes. Businesses that provide these types of services generally accept Visa.

Call the number on the back of your card (866-279-4545) 24 hours a day, seven days a week. Follow the recorded instructions. You can also speak with a customer service representative.

No, you will not be charged a fee for making a purchase at participating merchants.

No.  Since the card is not a credit card, you cannot access more than the balance available on your card.  If the merchant tries to run the purchase through for a dollar amount higher than you have available, the transaction will decline.  If the merchant runs your card through as the exact amount on your card, it will accept it and you will be able to pay the difference.  For example, your purchase is $45 but you only have $25 available on the card.  Tell the clerk you have a VISA gift card with $25 available.  The clerk will run it through for the specific amount.  It will approve the transaction and you may then pay the balance of $20.

You can check your available balance by calling the number on the back of your card (866-279-4545) or by logging into and going to the Account Balance page.

You may track your spending in either of the following ways: 

  • Call the number on the back of your card, toll-free, anytime (866-279-4545)
  • Log into the Account Balance page on anytime to check your balance and view available transaction history

Absolutely not. Keep your card, and the card account number, under your control at all times.

A. If your registered gift card is lost or stolen, the unused portion of the card can be reissued on a new card for a $5.00 replacement card fee. If your card is not registered, we are unable to replace it. Visit or call 1-866-279-4545, 24 hours a day, seven days a week to register your card.

Yes. Your gift card will expire on the date shown on the face of the card. However, if funds remain on your card at its expiration, you may request a free replacement card for any unused funds within 30 days of the expiration date.

Yes. After twelve (12) consecutive months of non-usage, you will be charged a monthly dormancy fee. Please refer to your terms and conditions for the schedule of fees and charges.

Please refer to your United Commonwealth Gift Card Terms and Conditions disclosure for more complete information.