Yes, it's the Visa rip-off, but it gets better...you have to use them fast or...
they devalue after so many months or whatever until there is no money left on them at all. All the big use them anywhere gift cards do this.
We bought a bunch to have on at work for quick bonus thank yous and found out the hard way never to do that again. There is a surcharge to buy them and can't hang on to them or eventually there is no money left on the card. None. Major rip-off huh?
Now when I give these I buy them at the time and tell folks to use them ASAP.