Looking to buy a prepaid Mastercard but not sure if you should go with MyGift or MCGiftCard?
Here’s a full comparison so you can make an informed decision in 2025.
🧾 Overview Table
| Feature | MCGiftCard | MyGift |
|---|---|---|
| Issuer | Sunrise Banks | Pathward / MetaBank |
| Card Type | Prepaid Mastercard | Prepaid Mastercard |
| Purchase Method | Online (mcgift.giftcardmall.com) | Online (giftcardmall.com/mygift) |
| Activation Required | ✅ Yes | ✅ Yes |
| Online Use | ✅ Yes | ✅ Yes |
| ZIP Code Registration | ❌ Not required | ✅ Required for AVS |
| In-Store Use | ✅ Yes | ✅ Yes |
| Reloadable | ❌ No | ❌ No |
💳 Activation Process
MyGift:
- Visit giftcardmall.com/mygift
- Register ZIP code for online use
- Can activate by phone
MCGiftCard:
- Visit mcgift.giftcardmall.com
- Card auto-activated in some cases
- No ZIP required, but that may lead to AVS errors online
⚠️ Online Use Differences
| Platform | MCGiftCard | MyGift |
|---|---|---|
| Amazon | ✅ Sometimes works | ✅ Works (with ZIP) |
| Uber / PayPal | ❌ Often declined | ✅ Works (after ZIP) |
| Recurring Payments | ❌ Not supported | ✅ Sometimes works |
| ZIP Code Matching | ❌ Not supported | ✅ Strong AVS support |
✅ Verdict: MyGift is more reliable for online purchases
🔐 Security & Tracking
| Feature | MCGiftCard | MyGift |
|---|---|---|
| Transaction History | ❌ Limited | ✅ Full log online |
| Balance Check | Web / Phone | Web / Phone |
| Card Lock | ❌ Not available | ✅ Available via support |
| 2FA / Alerts | ❌ No | ✅ Email / Phone (if registered) |
🧾 Fees
- Both charge inactivity fees after 12 months
- Neither are reloadable
- Replacement fees may apply if card is lost
✅ Choose This If:
| Scenario | Card |
|---|---|
| You want simple activation | MCGiftCard |
| You plan to shop online | MyGift |
| You care about tracking / balance security | MyGift |
| You’re gifting someone | Either (based on ease of use) |
🔗 Related Articles
❓ FAQs
Is MCGiftCard still supported in 2025? Yes — it can be activated and used, but some users report online limitations. Which card is better for online shopping? MyGift — it supports ZIP matching and better AVS compliance. Can I use MCGiftCard on Amazon? Sometimes yes, but it may get declined without a billing ZIP code.
⚠️ Disclaimer
We are not affiliated with Mastercard, GiftCardMall, MetaBank, or MCGift. This is an independent, non-sponsored comparison based on user experience and official sources.