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Gift card warnings

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It's the number one gift. The thing 80% of Americans plan to buy this year. The saving grace for last-minute shoppers, people who don't know what to buy, and those who want to avoid this. It's the gift card.

The National Retail Federation says gift card spending will hit a record high this year with shoppers spending an average of $163 on them.

But not all cards are created equal. Bankrate checked out a handful of them and found that general-purpose gift cards, the ones you can use anywhere and have an American Express, Visa, Discover or Mastercard logo, typically come with fees.

Most of them charge an inactivity fee if you don't use all the money after one year. Some also charge a fee just to buy the card anywhere from 3 to 7-dollars.

So before you buy, be sure to read the fine print.

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