Jos. A. Bank Gift Card

Visit Jos. A. Bank gift cards page and use the Check Your Balance link or call 1-888-403-GIFT (4438). You'll need the 16-digit gift card or eGift card number, found on the back of a plastic card or at the top of an eGift email.

Online, enter the 16-digit code and the 4-digit PIN at checkout. Scratch the marked strip on the back of a plastic card to reveal the PIN. In store, hand the card over at the till.

Through the catalogue, read the number to the agent when you order by phone. You can combine any number of Jos. A. Bank gift cards and eGift cards with one credit card in a single purchase, which is useful when you're consolidating small balances. One limitation worth planning around: to use an eGift card in a store you must present a printed copy. The email on your phone screen will not do.

No. Specialist apparel cards sit in the middle band of the market. The top rates go to the highest-liquidity brands. Where Jos. A. Bank does well is stability: the rate moves less week to week than gaming or electronics cards, which suits you if you're holding one and choosing a moment rather than selling in a hurry.

No. Redemption is limited to josbank.com, the US catalogue order line, and Jos. A. Bank retail stores, all of which are in the United States. The site does not deliver to Nigeria.

Jos. A. Bank sends eGift cards by email within 24 hours of credit approval, and the sender gets an email acknowledgement once it has gone. Plastic cards go by standard post in a gift envelope. If an eGift hasn't shown up, check spam first, then call 1-888-403-GIFT (4438).

No. Gift cards and eGift cards cannot be redeemed for cash except where a law requires it, which in practice means a handful of US states that force a cash-out on very small remaining balances.

Yes, any combination of Jos. A. Bank gift cards, eGift cards and one credit card may be applied to a single purchase. Note the "one credit card" part, since you cannot split the remainder across two cards. Paper gift certificates are excluded from online orders entirely.

No. There is no expiry date on a card that still carries a balance, and no fees for use or for inactivity. Nothing erodes the balance while it sits.

The published gift card FAQ doesn't offer a reload option, and the cards are sold as fixed-value products that then run down. If you need more value, buy another card and apply both in the same transaction.

Order either format from the gift cards page. The plastic card posts in a gift envelope. The eGift emails to the recipient within 24 hours of credit approval, and you get a confirmation once it's been delivered, which settles any "it never arrived" question. Pick the plastic card if the recipient might shop in a store, since an eGift needs printing to work at a till.

Yes, but you must bring a printed copy. Jos. A. Bank's own guidance is explicit about this: to redeem an eGift card in a store, present a printed version. Showing the email on your phone is not the same thing, and that surprises people at the counter.

It depends which format. A plastic gift card will not be replaced if lost or stolen, full stop. A deleted or lost eGift card email is a different case, and Jos. A. Bank will help if you call 1-888-403-GIFT (4438). That asymmetry is worth knowing: the digital version of this card is genuinely more recoverable than the plastic one, which is the reverse of most brands.