# New Jersey — Gift card expiration, fee and cash-redemption rules by state

For New Jersey, expiration rule is In no case shall the underlying funds associated with a gift certificate or gift card expire within the 24 months immediately following the date of sale; dormancy/service fee rule is No dormancy fee shall be charged against a gift certificate or a gift card within the 24 months immediately following the date of sale, nor shall one be charged within the 24 months immediately following the most recent activity or transaction in which the certificate or card was used. (3) A dormancy fee charged against a gift certificate or gift card as permitted by this subsection shall not exceed $2.00 per month; cash redemption threshold is a balance of less than $5; covered instruments is does not include a prepaid telecommunications or technology card, prepaid bank card or rewards card; statute citation is N.J. Stat. § 56:8-110, recorded from its source on 2026-08-18.

- **State:** New Jersey _(verified: appears in the quote below)_
- **Expiration rule:** In no case shall the underlying funds associated with a gift certificate or gift card expire within the 24 months immediately following the date of sale _(verified: appears in the quote below)_
- **Dormancy/service fee rule:** No dormancy fee shall be charged against a gift certificate or a gift card within the 24 months immediately following the date of sale, nor shall one be charged within the 24 months immediately following the most recent activity or transaction in which the certificate or card was used. (3) A dormancy fee charged against a gift certificate or gift card as permitted by this subsection shall not exceed $2.00 per month _(verified: appears in the quote below)_
- **Cash redemption threshold:** a balance of less than $5 _(verified: appears in the quote below)_
- **Covered instruments:** does not include a prepaid telecommunications or technology card, prepaid bank card or rewards card _(verified: appears in the quote below)_
- **Statute citation:** N.J. Stat. § 56:8-110 _(our reading, not quoted from the source)_

## What the source says

> (1) In no case shall the underlying funds associated with a gift certificate or gift card expire within the 24 months immediately following the date of sale. (2) No dormancy fee shall be charged against a gift certificate or a gift card within the 24 months immediately following the date of sale, nor shall one be charged within the 24 months immediately following the most recent activity or transaction in which the certificate or card was used. (3) A dormancy fee charged against a gift certificate or gift card as permitted by this subsection shall not exceed $2.00 per month.

## Source

- https://law.justia.com/codes/new-jersey/title-56/section-56-8-110/

Last verified: 2026-08-18. Review by: 2027-08-18.
Part of [Gift card expiration, fee and cash-redemption rules by state](https://referencesource.org/gift-card-consumer-protections-by-state/).