What do you call a card or token that can be exchanged for a specific cash value at a particular business?

The correct answer is a gift card. A gift card is specifically designed to be exchanged for a pre-determined cash value at a particular business or group of businesses. When someone receives a gift card, they have the ability to use it to make purchases until the balance is depleted.

Gift cards are often given as presents and can only be utilized at the retailer or restaurant indicated on the card, making them distinct from other types of cards. For instance, debit and credit cards are linked to bank accounts or credit lines and can be used in a broader range of locations, while prepaid cards can be loaded with a specific amount of money but are not necessarily restricted to one business. The unique characteristic that defines a gift card is its limitation to a specified merchant's services or products, which provides an easy and convenient gifting option without the complexities of cash.