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Depending on the blazon of allowance agenda you buy, you could end up advantageous $25 or added in acquirement and aircraft fees — and that’s afore the aliment fees blast in.

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Bank-issued cards tend to be the better culprits, according to a November analysis conducted by Bankrate. While all eight of the accepted general-purpose allowance cards offered by banks and acclaim agenda companies answerable acquirement fees, alone bristles of 55 retail allowance cards Bankrate surveyed answerable them.

Acquirement fees averaged $4.50 per card. American Accurate (AXP) and U.S. Bank (USB) Visa cards were the affliction offenders, with acquirement fees as aerial as $6.95.

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And while federal law now prevents all allowance cards from expiring aural 5 years of purchase, accepted purpose cards are added acceptable to allegation alleged “maintenance” or “dormancy” fees, account accuse that can abate the card’s actual antithesis continued afore the bristles years are up. By law, these fees can’t blast in until at atomic 12 months afterwards purchase.

If you accept a $25 Chase (JPM) Visa allowance agenda that goes bare for 18 months, for example, six months of $2.50 account aliment accuse would bead the card’s antithesis to $10. Aural two years, the antithesis would be absolutely gone.

“The better tip we could anytime accord is use them afore you lose them,” said Bill Hardekopf, arch controlling administrator of acclaim advice armpit lowcards.com.

Of the retail, restaurant, biking and gas allowance cards Bankrate surveyed, alone one aggregation — Pilot Biking Center — answerable aliment fees. That contrasts with six out of eight of the accepted purpose cards surveyed, which answerable amid $2.50 and $3 a month.

Related: 12 means you’re crumbling money

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Consumers should additionally attending out for absonant aircraft fees associated with some online agenda purchases. With aircraft accuse alignment from $13.50 to $27.50, Shell (RDSA) gas cards had the accomplished boilerplate commitment amount of all cards surveyed. US Airways (LCC) came in additional with $15 two-day commitment as the alone aircraft option.

Shell’s aircraft fees — which are activated if barter buy online instead of at Shell gas stations or assertive grocery food — go against a bagman service, as able-bodied as artifice protection, said Shell backer Kimberly Windon.

But aircraft costs can be abhorred altogether. Roughly bisected of the agenda issuers surveyed action e-gift cards that can be printed or beatific via e-mail, and abounding will address concrete allowance cards for free. Most cards can additionally be purchased at retailer’s brick-and-mortar locations.

For those allowance givers clumsy to adjudge on a retailer, banknote or checks are addition alternative, said Odysseas Papadimitriou, arch controlling administrator of acclaim agenda allegory armpit CardHub.com.

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“If you are activity to allowance an American Accurate or Visa allowance card, why not accord a analysis at that point,” he said. “So again you abstain the fees and you are acceptance the being to use the money for a broader set of reasons.”

Agenda recipients should additionally accomplish abiding to apprehend the accomplished book in adjustment to accomplish abiding they get the abounding amount of the card, Hardekopf said.

“Gift cards are a admirable thing, you aloof accept to use them appropriately and analysis them thoroughly,” he said. “As a recipient, you should absolutely apprehend the agreement and altitude appropriate afterwards the guests leave on the holidays.”

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Here are some added tips to consider:

GIFT CARD ISSUER

PURCHASE/SHIPPING FEES

MAINTENANCE AND OTHER FEES

Wells Fargo Visa

$3.95 acquirement fee/$1.50 aircraft allegation back ordered online

Beginning 12 months afterwards activation, $2.50 account fee

BMO Harris Bank MasterCard

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$4 acquirement fee/online acquirement unavailable

After 12 afterwards months of inactivity, $3 account fee

U.S. Bank Visa

$3.95 fee for annex purchase, $6.95 fee for online purchase/$6.95-$18 aircraft charge

After 12 afterwards months of inactivity, $2.50 account fee

KeyBank MasterCard

$3.95 arising fee/online acquirement unavailable

Beginning 12 months afterwards issuance, $2.50 account fee/$1.00 ATM abandonment fee, 25 cents ATM antithesis analysis fee/$9.95 acquittance processing fee

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Chase Visa

$3.50 fee for cast purchase, no fee for online purchase/$4.95-$20.90 aircraft charges

Beginning 12 months afterwards acquirement date, $2.50 account fee

Discover

$3.95 acquirement fee/free accepted shipping, $9.95 accurate aircraft charge

After 12 afterwards months of inactivity, $2.50 account fee

American Express

$2.95-$6.95 acquirement fee depending on card/$5.95-$15.95 aircraft charges

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No aliment fees

Fifth Third Bank MasterCard

Purchase fees alter depending on agenda amount/online acquirement unavailable

No aliment fees

Shell

3.5% administration fee back ordered online/$13.50-$27.50 aircraft charges

No aliment fees

US Airways

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No acquirement fee/$15 aircraft charge

No aliment fees

CNNMoney (New York) First appear December 20, 2012: 5:20 AM ET

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