<prompt> Human: Hi everyone, had a quick question for you. My girlfriend got an American Express Gift Card for 1000 from her boss as a holiday bonus I assume because a check would be taxed differently. When she told me she was planning to save the money I told her it was a good idea, but apparently she wants to keep the Gift Card tucked away and save it for a rainy day. I thought it would be better to use it for day to day expenses and put 1000 from her next paycheck into her savings account. Are there any drawbacks or advantages to hanging onto the physical card instead of depositing an equal amount? Apparently it does not expire. Thanks!  <response>: Are there any drawbacks or advantages to hanging onto the physical card instead of depositing an equal amount? Apparently it does not expire. Check the terms and conditions of the card.The card might not expire, BUT a lot of prepaid credit-card gift cards will start charging a monthly fee for non-use after the first X months. I think 6 months is the common time frame.So after 6? months of this card being safely tucked away the balance would start slowly dropping. 