WASHINGTON, DC (WUSA) -- A Bankrate.com survey finds only five out 55 stores charge purchase fees for gift cards.

But, if you buy a gift card from a bank or credit card company, you will pay a purchase fee, anywhere from $3 to $7.

The survey says only 2 percent of stores charge additional fees if the cards go unused 12 months or more.

It jumps up to 75 percent for bank and credit card companies.

Bankrate.com Compares Gift Cards

And, you will get hit with a $3 monthly maintenance and dormancy fee.

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