The redemption code is called a "token" prior to being turned into a physical or virtual Visa card.
Common Decline Reasons
Insufficient balance: Card was swiped more than the card balance (it should be swiped for the available balance or less)
Activation: Card was not activated
Incorrect PIN: The incorrect PIN was used for point of sale transactions (process without a PIN as credit)
Recurring Payments: Card was used for recurring payments
Gas Stations: Used at a gas station pump - you must go inside the station to use the card.
Gratuity: Some merchants (restaurants, hotels, spas, cruise lines, etc.) may seek an authorization above the purchase amount to cover gratuity, incidentals or other expenses. This could be 20% of the total bill. If your card balance is less than the authorization amount see Using Multiple forms of payment.
Multiple forms of payments
Use this card last so the amount swiped is the same or less than the card balance.
Combining multiple Visa tokens
Wishlist can combine up to $500 in Wishlist rewards prior to the card being turned into a Visa token. If you wish to combine more, this can be done within your Digital Wallet through Visa.
You can bank as many tokens in your digital wallet as you want.
When you are ready to turn your tokens into a virtual or Physical Visa card, you can combined up to $1000 in value - A convenience fee of 5.00% of redemption total applies when combining tokens -- Total fees charged cannot be less than USD 1.00 or greater than USD 5.00. Avoid this fee by redeeming each code individually.
Any remaining tokens outside of that $1,000 can be banked together for another lump sum.
Beginning March 1, 2020, our provider will implement a 60-day grace period for digital reissue requests. The process for digital reissues will occur as follows:
- After expiration of the token, the provider will honor reissue requests for 60 days.
- After 60 days, the token expiration will no longer be able to be extended.
- If special handling needs arise after 60 days, Wishlist will work with our provider and follow an escalation path for exceptions.
This card can be used without EMV Technology (chip and PIN) by asking the merchant to swipe the card as credit. If the merchant refuses, report the problem at usa.visa.com/support/consumer/travel-support.html.
International Transaction Fee is 2%.