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The Arch Card is a McDonald`s gift card that can be loaded with dollars and used to purchase goods and services at participating McDonald`s restaurants in the United States. Cards cannot be used to purchase other Cards and cannot be exchanged for cash, unless required by law. The balance on the card never expires and there are no fees associated with using the card. The Card is not a credit or debit card and there is no credit card, overdraft insurance, deposit account or deposit insurance associated with the Card.