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The lowest iTunes gift card is 20$
You can buy iTunes gift cards at any store that sell them, including WalMart as an example. Then you redeem the gift card to your iTunes account. Next you view the items on the store and when you buy it is automatically setup to use your gift card (store credit) before your credit card or other payment method is used. If you did not have store credit, the system will charge your other payment method, for example Paypal, Click&Buy, Credit Card.
To use an iTunes Gift Card to pay for your songs click on the Redeem link in the Quick Links box (top right) on the iTunes store home page.
Actually you don'tif you have a gift card you dont need your credit card
On itunes, you can pay with your credit card or a gift card. Personally, I go out and buy a gift card and use it, just enter the code when it asks for it. I don't like giving my credit card number out, so gift cards is the way I do it. IF you use a gift card, go to redeem, and enter the cade. Hope this helped !:)