Give This and You’ll Get Credit for the Perfect Gift

Edmund Sanders covers financial institutions and fraud for The Times. He can be reached at (714) 966-5811 and at

Having trouble finding the right holiday gift? Skip the mall. Forget online shopping. Give ‘em what they really want: money.

Too crass? Put it on plastic.

CardEx Incentives in Newport Beach has designed several holiday-themed prepaid gift cards in a promotion with credit card giant MasterCard. The plastic cards, which come in increments of $25, can be used anywhere that MasterCard is accepted.

CardEx is targeting the cards at companies that want an easy solution to employee gift or incentive programs. They also suggest the prepaid cards--available at business-to-business gifts.