Federal regulations under the Credit CARD Act alongside individual state statutes provide broad protections for prepaid stored-value products. For standard consumer cards, expiration dates and inactivity fees are non-existent across standard company gift programs. The funds you receive do not erode simply because the card sits inside a desk drawer for eighteen months between visits.
Promotional and charitable cards behave differently. If you receive a promotional voucher through a tournament sponsorship, customer service adjustment, or seasonal marketing giveaway, specific expiration dates often apply. Those promotional certificates explicitly print their end dates across the back, frequently expiring within 30 to 90 days of issuance.
Physical cards can be reloaded at any guest services counter across company-operated locations. Third-party franchise operations abroad or specialized partner installations inside cruise ships follow separate licensing agreements and will not accept domestic cards.
